{"id":43702,"date":"2025-12-23T05:00:00","date_gmt":"2025-12-23T02:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=43702"},"modified":"2025-12-23T12:20:32","modified_gmt":"2025-12-23T09:20:32","slug":"mastercard-economics-institute-2026-ci-il-ucun-iqtisadi-proqnozu-t%c9%99qdim-edir","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=43702","title":{"rendered":"Mastercard Economics Institute 2026-c\u0131 il \u00fc\u00e7\u00fcn \u0130qtisadi Proqnozu t\u0259qdim edir…."},"content":{"rendered":"\n

Mastercard Economics Institute 2026-c\u0131 il \u00fc\u00e7\u00fcn \u0130qtisadi Proqnozu t\u0259qdim edir:\u0130nvestisiya v\u0259 r\u0259q\u0259msal transformasiya il\u0259 d\u0259st\u0259kl\u0259n\u0259n dayan\u0131ql\u0131 art\u0131m<\/strong><\/p>\n\n\n\n

\u2022 2026-c\u0131 ild\u0259 qlobal art\u0131m ticar\u0259t d\u0259yi\u015fiklikl\u0259rin\u0259 v\u0259 texnoloji transformasiyaya uy\u011funla\u015fma fonunda m\u00fclayiml\u0259\u015fir.
\u2022 R\u0259q\u0259msal transformasiya v\u0259 s\u00fcni intellektin t\u0259tbiqi m\u0259hsuldarl\u0131q v\u0259 dayan\u0131ql\u0131l\u0131\u011f\u0131n \u0259sas h\u0259r\u0259k\u0259tverici q\u00fcvv\u0259l\u0259rin\u0259 \u00e7evrilir.
\u2022 Regional investisiyalar T\u00fcrkiy\u0259 v\u0259 M\u0259rk\u0259zi Asiya aras\u0131nda \u0259laq\u0259l\u0259rin g\u00fccl\u0259nm\u0259sin\u0259 t\u00f6hf\u0259 verir.
\u2022 Ki\u00e7ik v\u0259 orta biznesl\u0259r (KOB-lar) r\u0259q\u0259msal m\u00f6vcudluqlar\u0131n\u0131 art\u0131r\u0131rlar.<\/em><\/p>\n\n\n\n

Mastercard Economics Institute (MEI) 2026-c\u0131 il \u00fc\u00e7\u00fcn iqtisadi m\u0259nz\u0259r\u0259ni formala\u015fd\u0131racaq \u0259sas m\u00f6vzular\u0131 m\u00fc\u0259yy\u0259n ed\u0259n illik Economic Outlook 2026<\/strong><\/a> hesabat\u0131n\u0131 yay\u0131mlay\u0131b. Hesabatda 2025-ci ild\u0259 g\u00fcnd\u0259mi z\u0259bt ed\u0259n siyas\u0259t d\u0259yi\u015fiklikl\u0259rinin 2026-c\u0131 il \u0259rzind\u0259 d\u00fcnya iqtisadiyyatlar\u0131na t\u0259sirini davam etdir\u0259c\u0259yi qeyd olunur. Qlobal par\u00e7alanman\u0131n s\u00fcr\u0259tl\u0259nm\u0259si m\u00fc\u0259yy\u0259n \u00e7\u0259tinlikl\u0259r yaratsa da, s\u00fcni intellektin artan t\u0259tbiqi yeni imkanlar a\u00e7\u0131r.<\/p>\n\n\n\n

MEI-nin proqnozlar\u0131na g\u00f6r\u0259, 2026-c\u0131 ild\u0259 qlobal real \u00dcDM art\u0131m tempinin 3,1%<\/strong>-\u0259 q\u0259d\u0259r m\u00fclayiml\u0259\u015f\u0259c\u0259yi g\u00f6zl\u0259nilir. Qlobal iqtisadi geni\u015fl\u0259nm\u0259 texnoloji adaptasiya v\u0259 \u00e7evik iqtisadi modell\u0259rl\u0259 d\u0259st\u0259kl\u0259nir. Ticar\u0259t par\u00e7alanmas\u0131 v\u0259 siyas\u0259t d\u0259yi\u015fiklikl\u0259ri qlobal ax\u0131nlar\u0131 yenid\u0259n formala\u015fd\u0131rsa da, r\u0259q\u0259msal transformasiya, s\u00fcni intellekt v\u0259 h\u0259d\u0259fli fiskal investisiyalar kimi struktur amill\u0259r regionlar \u00fczr\u0259 iqtisadi dayan\u0131ql\u0131l\u0131\u011f\u0131 g\u00fccl\u0259ndirir.<\/p>\n\n\n\n

\u201c2026-c\u0131 il\u0259 baxd\u0131qda, davam ed\u0259n struktur islahatlar\u0131 fonunda iqtisadi proqnozlar \u00fcmumilikd\u0259 m\u00fcsb\u0259t g\u00f6r\u00fcn\u00fcr. Neft ixrac ed\u0259n \u00f6lk\u0259l\u0259r \u00fc\u00e7\u00fcn maliyy\u0259 \u015f\u0259rtl\u0259rinin yum\u015falmas\u0131, AB\u015e-da faiz d\u0259r\u0259c\u0259l\u0259rinin endirilm\u0259si il\u0259 paralel olaraq, qeyri-neft sektorlar\u0131n\u0131n inki\u015faf\u0131n\u0131 stimulla\u015fd\u0131ra bil\u0259r. Borclanma x\u0259rcl\u0259rinin azalmas\u0131 v\u0259 n\u0259zar\u0259t olunan inflyasiya istehlak\u00e7\u0131lar \u00fc\u00e7\u00fcn m\u00fcsb\u0259t t\u0259sir yaradaraq da\u015f\u0131nmaz \u0259mlak, turizm v\u0259 p\u0259rak\u0259nd\u0259 ticar\u0259t kimi \u0259sas sah\u0259l\u0259rd\u0259 t\u0259l\u0259bi art\u0131racaq. Bununla yana\u015f\u0131, geosiyasi g\u0259rginlikl\u0259r v\u0259 iqliml\u0259 ba\u011fl\u0131 riskl\u0259r investisiya v\u0259 iqtisadi aktivliyi poza bil\u0259c\u0259k amill\u0259r olaraq qal\u0131r,\u201d \u2014 dey\u0259 Mastercard Economics Institute-un EEMEA regionu \u00fczr\u0259 ba\u015f iqtisad\u00e7\u0131s\u0131 Xatija Haque bildirib.<\/p>\n\n\n

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\"\"<\/figure><\/div>\n\n\n

Az\u0259rbaycan: Se\u00e7ilmi\u015f g\u00f6st\u0259ricil\u0259r<\/strong><\/p>\n\n\n\n

EEMEA regionu \u00e7\u0259r\u00e7iv\u0259sind\u0259, o c\u00fcml\u0259d\u0259n Az\u0259rbaycanda, infrastruktur, enerji v\u0259 r\u0259q\u0259msal imkanlara davaml\u0131 investisiyalar iqtisadi dayan\u0131ql\u0131\u011f\u0131 v\u0259 uzunm\u00fcdd\u0259tli \u015fax\u0259l\u0259ndirm\u0259 s\u0259yl\u0259rini d\u0259st\u0259kl\u0259yir. MEI proqnozlar\u0131na \u0259sas\u0259n, 2026-c\u0131 ild\u0259 Az\u0259rbaycanda \u00dcDM-in 2,7%<\/strong> artaca\u011f\u0131 g\u00f6zl\u0259nilir; qeyri-neft sektorundak\u0131 daha g\u00fccl\u00fc art\u0131m neft hasilat\u0131n\u0131n azalmas\u0131n\u0131 kompensasiya ed\u0259c\u0259k.<\/p>\n\n\n\n

Hesabat\u0131n \u0259sas n\u0259tic\u0259l\u0259ri<\/strong><\/p>\n\n\n\n

R\u0259q\u0259msal transformasiya v\u0259 s\u00fcni intellekt \u2013 art\u0131m\u0131n \u0259sas h\u0259r\u0259k\u0259tverici q\u00fcvv\u0259l\u0259ri<\/strong><\/p>\n\n\n\n

Economic Outlook 2026 hesabat\u0131n\u0131n \u0259sas m\u00f6vzular\u0131ndan biri r\u0259q\u0259msal transformasiya v\u0259 s\u00fcni intellektin m\u0259hsuldarl\u0131q v\u0259 iqtisadi art\u0131m\u0131n katalizatoru kimi rolunun s\u00fcr\u0259tl\u0259 artmas\u0131d\u0131r. Regionlar \u00fczr\u0259 biznesl\u0259r art\u0131q sad\u0259 s\u0131naqlardan k\u0259nara \u00e7\u0131xaraq, AI v\u0259 r\u0259q\u0259msal al\u0259tl\u0259ri \u0259m\u0259liyyatlara, investisiya planlamas\u0131na v\u0259 xidm\u0259tl\u0259rin g\u00f6st\u0259rilm\u0259sin\u0259 daha d\u0259rind\u0259n inteqrasiya edirl\u0259r.<\/p>\n\n\n\n

S\u00fcni intellektin qlobal miqyasda t\u0259tbiqini \u00f6l\u00e7m\u0259k \u00fc\u00e7\u00fcn MEI \u201cMEI AI Enthusiasm Index\u201d<\/strong> adl\u0131 indeks yarad\u0131b. Bu indeks \u00f6lk\u0259nin qlobal AI x\u0259rcl\u0259rind\u0259 pay\u0131n\u0131, AI-nin \u00fcmumi proqram t\u0259minat\u0131 x\u0259rcl\u0259rind\u0259ki pay\u0131n\u0131 v\u0259 \u0259sas \u00f6lk\u0259l\u0259r \u00fczr\u0259 adamba\u015f\u0131na d\u00fc\u015f\u0259n AI x\u0259rcl\u0259rini birl\u0259\u015fdirir. Mastercard-\u0131n aqreqasiya olunmu\u015f v\u0259 anoniml\u0259\u015fdirilmi\u015f \u0259m\u0259liyyat m\u0259lumatlar\u0131ndan istifad\u0259 etm\u0259kl\u0259, MEI generativ s\u00fcni intellekt sah\u0259sind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n \u00e7oxsayl\u0131 \u015firk\u0259tl\u0259ri \u2014 model provayderl\u0259ri, \u00e7atbotlar, transkripsiya al\u0259tl\u0259ri, \u015f\u0259kil v\u0259 video generatorlar\u0131, sah\u0259 \u00fczr\u0259 ixtisasla\u015fm\u0131\u015f proqramlar v\u0259 AI \u0259sasl\u0131 SaaS platformalar\u0131 daxil olmaqla \u2014 m\u00fc\u0259yy\u0259n ed\u0259r\u0259k bu m\u00fcqayis\u0259li \u00e7\u0259r\u00e7iv\u0259ni formala\u015fd\u0131r\u0131b.<\/p>\n\n\n\n

2026-c\u0131 il\u0259 do\u011fru MEI hesab edir ki, s\u00fcni intellektin daha d\u0259rin inteqrasiyas\u0131 v\u0259 h\u0259d\u0259fli fiskal stimullar qlobal art\u0131m\u0131n \u0259sas s\u00fcr\u00fcc\u00fcl\u0259ri olacaq. F\u0259rqli siyas\u0259t yana\u015fmalar\u0131 v\u0259 investisiya prioritetl\u0259ri inflyasiya dinamikas\u0131na, istehlak\u00e7\u0131 davran\u0131\u015flar\u0131na v\u0259 monetar siyas\u0259t q\u0259rarlar\u0131na t\u0259sir g\u00f6st\u0259r\u0259 bil\u0259r ki, bu da makroiqtisadi m\u00fchitd\u0259 m\u00fch\u00fcm d\u00f6n\u00fc\u015f n\u00f6qt\u0259si yarad\u0131r.<\/p>\n\n\n\n

Ki\u00e7ik v\u0259 Orta Biznesl\u0259r: \u00e7eviklik v\u0259 imkanlar<\/strong><\/p>\n\n\n\n

MEI ki\u00e7ik v\u0259 orta biznesl\u0259rin (KOB-lar) iqtisadi dinamikan\u0131n formala\u015fmas\u0131nda m\u00fch\u00fcm rolunu vur\u011fulay\u0131r. Qlobal miqyasda KOB-lar \u0259m\u0259liyyatlar\u0131 optimalla\u015fd\u0131rmaq, x\u0259rcl\u0259ri azaltmaq v\u0259 d\u0259yi\u015f\u0259n iqtisadi \u015f\u0259raitd\u0259 daha r\u0259qab\u0259tli olmaq \u00fc\u00e7\u00fcn r\u0259q\u0259msal al\u0259tl\u0259ri v\u0259 onlayn kanallar\u0131 getdikc\u0259 daha \u00e7ox t\u0259tbiq edirl\u0259r.<\/p>\n\n\n\n

U\u011fur qazanmaq \u00fc\u00e7\u00fcn KOB-lara strateji \u00e7eviklik v\u0259 r\u0259q\u0259msal haz\u0131rl\u0131q laz\u0131md\u0131r. \u018fn \u00e7evik v\u0259 texnologiyaya a\u00e7\u0131q biznesl\u0259r art\u0131m\u0131 s\u00fcr\u0259tl\u0259ndirm\u0259k \u00fc\u00e7\u00fcn daha \u0259lveri\u015fli m\u00f6vqed\u0259 olacaqlar. MEI hesab edir ki, KOB-lar texnologiya \u0259sasl\u0131 xidm\u0259tl\u0259rd\u0259 bazar paylar\u0131n\u0131 art\u0131rmaq \u00fc\u00e7\u00fcn \u0259h\u0259miyy\u0259tli imkanlara malikdirl\u0259r. Yerli texnoloji h\u0259ll\u0259r\u0259 v\u0259 daha ixtisasla\u015fm\u0131\u015f xidm\u0259tl\u0259r\u0259 artan t\u0259l\u0259bat g\u00f6st\u0259rir ki, KOB-lar \u0259n\u0259n\u0259vi olaraq iri \u015firk\u0259tl\u0259rin \u00fcst\u00fcnl\u00fck t\u0259\u015fkil etdiyi sah\u0259l\u0259rd\u0259 d\u0259 effektiv r\u0259qab\u0259t apara bil\u0259rl\u0259r.<\/p>\n\n\n\n

\u0130stehlak\u00e7\u0131 trendl\u0259ri: d\u0259y\u0259r, texnologiya v\u0259 t\u0259cr\u00fcb\u0259l\u0259r<\/strong><\/p>\n\n\n\n

D\u00fcnya \u00fczr\u0259 istehlak\u00e7\u0131lar daha \u015f\u00fcurlu davranaraq beyn\u0259lxalq, texnologiya \u0259sasl\u0131 v\u0259 d\u0259y\u0259r y\u00f6n\u00fcml\u00fc x\u0259rcl\u0259m\u0259l\u0259r\u0259 \u00fcst\u00fcnl\u00fck ver\u0259c\u0259kl\u0259r. Onlar s\u0259yah\u0259t v\u0259 canl\u0131 t\u0259dbirl\u0259r kimi m\u0259nal\u0131 t\u0259cr\u00fcb\u0259l\u0259ri prioritet olaraq saxlayacaq, eyni zamanda g\u00fcnd\u0259lik z\u0259ruri m\u0259hsullar \u00fczr\u0259 qiym\u0259t\u0259 h\u0259ssas qalacaqlar.<\/p>\n\n\n\n

Disclaimer <\/strong><\/p>\n\n\n\n

Bu Mastercard Economics Institute t\u0259qdimat\u0131 (\u201cT\u0259qdimat\u201d) v\u0259 onun m\u0259zmunu v\u0259 ya hiss\u0259l\u0259ri Mastercard t\u0259r\u0259find\u0259n icaz\u0259 verilm\u0259diyi halda he\u00e7 bir formada v\u0259 ya mediada \u0259ld\u0259 edil\u0259, y\u00fckl\u0259n\u0259, kopyalana, d\u0259yi\u015fdiril\u0259, yay\u0131mlana, istifad\u0259 edil\u0259 v\u0259 ya d\u0259rc oluna bilm\u0259z. Bu t\u0259qdimat v\u0259 m\u0259zmun yaln\u0131z m\u0259lumat m\u0259qs\u0259dli t\u0259dqiqat al\u0259ti kimi n\u0259z\u0259rd\u0259 tutulub v\u0259 investisiya m\u0259sl\u0259h\u0259ti v\u0259 ya h\u0259r hans\u0131 konkret f\u0259aliyy\u0259t v\u0259 ya investisiya \u00fc\u00e7\u00fcn t\u00f6vsiy\u0259 hesab edilmir v\u0259 q\u0259rarlar\u0131n q\u0259bulu \u00fc\u00e7\u00fcn \u0259sas kimi istifad\u0259 edilm\u0259m\u0259lidir. M\u0259zmunun d\u0259qiqliyin\u0259 z\u0259man\u0259t verilmir v\u0259 \u201coldu\u011fu kimi\u201d t\u0259qdim olunur; istifad\u0259\u00e7il\u0259r bu m\u0259lumatlar\u0131 \u00f6z riskl\u0259ri il\u0259 n\u0259z\u0259rd\u0259n ke\u00e7irir v\u0259 istifad\u0259 edirl\u0259r. Mastercard Economics Institute t\u0259r\u0259find\u0259n t\u0259qdim edil\u0259n iqtisadi proqnozlar, modell\u0259\u015fdirm\u0259l\u0259r v\u0259 ssenaril\u0259r Mastercard-\u0131n \u0259m\u0259liyyat v\u0259 ya maliyy\u0259 g\u00f6st\u0259ricil\u0259rin\u0259 dair g\u00f6zl\u0259ntil\u0259ri v\u0259 ya faktiki n\u0259tic\u0259l\u0259ri \u0259ks etdirmir. Institute iqtisadi f\u0259aliyy\u0259ti qiym\u0259tl\u0259ndirm\u0259k \u00fc\u00e7\u00fcn \u00e7oxsayl\u0131 a\u00e7\u0131q v\u0259 \u00f6z\u0259l m\u0259lumat m\u0259nb\u0259l\u0259rind\u0259n v\u0259 modell\u0259rd\u0259n istifad\u0259 edir.<\/p>\n\n\n\n

Mastercard Economics Institute haqq\u0131nda<\/strong><\/p>\n\n\n\n

2020-ci ild\u0259 t\u0259sis edilmi\u015f Mastercard Economics Institute biznes v\u0259 d\u00f6vl\u0259t liderl\u0259rini daha d\u00fc\u015f\u00fcn\u00fclm\u00fc\u015f v\u0259 effektiv q\u0259rarlar q\u0259bul etm\u0259l\u0259ri \u00fc\u00e7\u00fcn y\u00fcks\u0259k tezlikli, praktik v\u0259 unikal iqtisadi \u00f6l\u00e7m\u0259l\u0259r\u0259 \u0259saslanan analitik m\u0259lumatlarla t\u0259min edir.<\/p>\n\n\n\n

Mastercard haqq\u0131nda<\/strong><\/p>\n\n\n\n

Mastercard 200-d\u0259n art\u0131q \u00f6lk\u0259 v\u0259 \u0259razid\u0259 iqtisadiyyatlar\u0131 g\u00fccl\u0259ndirir v\u0259 insanlara d\u0259st\u0259k verir. M\u00fc\u015ft\u0259ril\u0259rimizl\u0259 birlikd\u0259 h\u0259r k\u0259sin rifah tapa bil\u0259c\u0259yi davaml\u0131 bir iqtisadiyyat qururuq. Biz r\u0259q\u0259msal \u00f6d\u0259ni\u015fl\u0259rin geni\u015f spektrini d\u0259st\u0259kl\u0259yir, \u0259m\u0259liyyatlar\u0131 t\u0259hl\u00fck\u0259siz, sad\u0259, a\u011f\u0131ll\u0131 v\u0259 \u0259l\u00e7atan edirik. Texnologiya v\u0259 innovasiyalar\u0131m\u0131z, t\u0259r\u0259fda\u015fl\u0131qlar\u0131m\u0131z v\u0259 \u015f\u0259b\u0259k\u0259l\u0259rimiz insanlar\u0131n, biznesl\u0259rin v\u0259 h\u00f6kum\u0259tl\u0259rin \u00f6z potensiallar\u0131n\u0131 tam \u015f\u0259kild\u0259 realla\u015fd\u0131rmas\u0131na k\u00f6m\u0259k ed\u0259n unikal m\u0259hsul v\u0259 xidm\u0259tl\u0259r toplusu t\u0259qdim edir.<\/p>\n\n\n\n

www.mastercard.com<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Mastercard Economics Institute 2026-c\u0131 il \u00fc\u00e7\u00fcn \u0130qtisadi Proqnozu t\u0259qdim edir:\u0130nvestisiya v\u0259 r\u0259q\u0259msal transformasiya il\u0259 d\u0259st\u0259kl\u0259n\u0259n dayan\u0131ql\u0131 art\u0131m \u2022 2026-c\u0131 ild\u0259 qlobal art\u0131m ticar\u0259t d\u0259yi\u015fiklikl\u0259rin\u0259 v\u0259 texnoloji transformasiyaya uy\u011funla\u015fma fonunda m\u00fclayiml\u0259\u015fir.\u2022 R\u0259q\u0259msal transformasiya v\u0259 s\u00fcni intellektin…<\/p>\n","protected":false},"author":2,"featured_media":43703,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/43702"}],"collection":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=43702"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/43702\/revisions"}],"predecessor-version":[{"id":43704,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/43702\/revisions\/43704"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/43703"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=43702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=43702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=43702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}