{"id":45896,"date":"2026-04-27T05:00:00","date_gmt":"2026-04-27T02:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=45896"},"modified":"2026-04-27T16:43:57","modified_gmt":"2026-04-27T13:43:57","slug":"bir-az%c9%99rbaycanin-r%c9%99q%c9%99msal-transformasiya-t%c9%99crub%c9%99sini-money20-20-asia-2026-qlobal-s%c9%99hn%c9%99sin%c9%99-dasidi","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=45896","title":{"rendered":"Bir Az\u0259rbaycan\u0131n r\u0259q\u0259msal transformasiya t\u0259cr\u00fcb\u0259sini \u201cMoney20\/20 Asia 2026\u201d qlobal s\u0259hn\u0259sin\u0259 da\u015f\u0131d\u0131"},"content":{"rendered":"\n

Bir Az\u0259rbaycan\u0131n r\u0259q\u0259msal transformasiya t\u0259cr\u00fcb\u0259sini \u201cMoney20\/20 Asia 2026\u201d qlobal s\u0259hn\u0259sin\u0259 da\u015f\u0131d\u0131<\/strong><\/p>\n\n\n\n

Qafqazda bank\u00e7\u0131l\u0131q, \u00f6d\u0259ni\u015f sisteml\u0259ri v\u0259 elektron ticar\u0259ti \u00f6z\u00fcnd\u0259 birl\u0259\u015fdir\u0259n ilk tam r\u0259q\u0259msal inteqrasiya olunmu\u015f Bir ekosistemi, Asiyan\u0131n \u0259n b\u00f6y\u00fck texnologiya t\u0259dbirl\u0259rind\u0259n olan \u201cMoney20\/20 Asia 2026\u201d konfrans\u0131nda \u00f6lk\u0259mizin r\u0259q\u0259msal iqtisadiyyata s\u00fcr\u0259tli ke\u00e7idini diqq\u0259t\u0259 \u00e7atd\u0131r\u0131b. Qlobal s\u0259rmay\u0259darlar\u0131n diqq\u0259tinin yeni inki\u015faf potensial\u0131 olan \u00f6lk\u0259l\u0259r\u0259 y\u00f6n\u0259ldiyi bir vaxtda, t\u0259dbird\u0259 Az\u0259rbaycan\u0131n inkl\u00fcziv r\u0259q\u0259msal iqtisadiyyat quruculu\u011funda \u0259ld\u0259 etdiyi u\u011furlar v\u0259 ekosistem \u0259sasl\u0131 innovasiyalar\u0131n rolu x\u00fcsusi vur\u011fulan\u0131b.<\/p>\n\n\n

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Bir ekosisteminin M\u0259hsul, marketinq v\u0259 m\u00fc\u015ft\u0259ri t\u0259cr\u00fcb\u0259si \u00fczr\u0259 r\u0259hb\u0259ri Maksim Yevdokimov konfrans \u00e7\u0259r\u00e7iv\u0259sind\u0259 \u00d6zb\u0259kistan\u0131n \u0259n b\u00f6y\u00fck \u0130T ekosistemi \u201cUzum\u201dun h\u0259mt\u0259sis\u00e7isi v\u0259 \u018fm\u0259liyyatlar \u00fczr\u0259 ba\u015f direktoru Roman Lavrentyevl\u0259 birlikd\u0259 4000 i\u015ftirak\u00e7\u0131n\u0131n qat\u0131ld\u0131\u011f\u0131 konfrans\u0131n x\u00fcsusi panel sessiyas\u0131nda \u00e7\u0131x\u0131\u015f edib. \u201cFirst Arc Capital\u201d \u015firk\u0259tinin n\u00fcmay\u0259nd\u0259si Fatima Almubbad\u0131n moderatorlu\u011fu il\u0259 ke\u00e7iril\u0259n paneld\u0259 qlobal t\u0259cr\u00fcb\u0259l\u0259rin yerli strategiyalarla effektiv inteqrasiyas\u0131, m\u00fc\u015ft\u0259ri etibar\u0131n\u0131n g\u00fccl\u0259ndirilm\u0259si v\u0259 r\u0259q\u0259msal xidm\u0259tl\u0259rin g\u00fcnd\u0259lik h\u0259yat\u0131n t\u0259bii v\u0259 ayr\u0131lmaz hiss\u0259sin\u0259 \u00e7evrilm\u0259sinin u\u011furlu yana\u015fmalar\u0131 m\u00fczakir\u0259 olunub.<\/p>\n\n\n\n

Avropa v\u0259 Asiyan\u0131n qov\u015fa\u011f\u0131nda yerl\u0259\u015f\u0259n Az\u0259rbaycan haz\u0131rda iqtisadiyyat\u0131n \u015fax\u0259l\u0259nm\u0259si, r\u0259q\u0259msalla\u015fma v\u0259 innovasiyalar\u0131n inki\u015faf\u0131 istiqam\u0259tind\u0259 yeni m\u0259rh\u0259l\u0259y\u0259 q\u0259d\u0259m qoyub. Bu transformasiya \u00fc\u00e7\u00fcn m\u00f6hk\u0259m \u0259saslar art\u0131q formala\u015f\u0131b. \u0130llik \u00dcmumi Daxili M\u0259hsul art\u0131m\u0131 t\u0259xmin\u0259n 10% t\u0259\u015fkil edir, \u00f6lk\u0259 investisiya s\u0259viyy\u0259li suveren kredit profilin\u0259 malikdir, \u0259halinin g\u0259nc ya\u015f ortalamas\u0131 33,6, internetd\u0259n istifad\u0259 s\u0259viyy\u0259si is\u0259 91%-i \u00f6t\u00fcr.<\/p>\n\n\n\n

Bununla yana\u015f\u0131, bazarda r\u0259q\u0259msal maliyy\u0259 xidm\u0259tl\u0259ri v\u0259 elektron ticar\u0259tin daha da geni\u015fl\u0259nm\u0259si \u00fc\u00e7\u00fcn b\u00f6y\u00fck potensial m\u00f6vcuddur. Na\u011fds\u0131z c\u0259miyy\u0259t\u0259 ke\u00e7id prosesinin s\u00fcr\u0259tl\u0259nm\u0259sin\u0259 baxmayaraq, x\u00fcsusil\u0259 elektron ticar\u0259tin \u00fcmumi p\u0259rak\u0259nd\u0259 d\u00f6vriyy\u0259sind\u0259ki pay\u0131n\u0131n (haz\u0131rda t\u0259xmin\u0259n 3%) art\u0131r\u0131lmas\u0131 v\u0259 daha geni\u015f \u0259hali k\u00fctl\u0259sinin m\u00fcasir r\u0259q\u0259msal h\u0259ll\u0259r\u0259 c\u0259lb edilm\u0259si lokal innovasiyalar \u00fc\u00e7\u00fcn m\u00fch\u00fcm imkanlar yarad\u0131r.<\/p>\n\n\n\n

M\u00f6vzu il\u0259 ba\u011fl\u0131 fikirl\u0259rini b\u00f6l\u00fc\u015f\u0259n Maksim Yevdokimov bildirib: \u201cBizim \u0259sas h\u0259d\u0259fimiz na\u011fd \u00f6d\u0259ni\u015fl\u0259rd\u0259n r\u0259q\u0259msal xidm\u0259tl\u0259r\u0259 ke\u00e7id ed\u0259n istifad\u0259\u00e7il\u0259r v\u0259 biznesl\u0259r \u00fc\u00e7\u00fcn bu prosesi maksimum t\u0259hl\u00fck\u0259siz v\u0259 rahat \u015f\u0259kild\u0259 t\u0259\u015fkil etm\u0259kdir. G\u00fcnd\u0259lik h\u0259yatda ehtiyac duyulan bank, \u00f6d\u0259ni\u015f v\u0259 elektron ticar\u0259t xidm\u0259tl\u0259rini vahid bir platformada c\u0259ml\u0259\u015fdirm\u0259kl\u0259 biz n\u0259inki r\u0259q\u0259msal ke\u00e7id\u0259 d\u0259st\u0259k oluruq, h\u0259m d\u0259 istifad\u0259\u00e7i m\u0259mnuniyy\u0259tini v\u0259 aktivliyini daha y\u00fcks\u0259k s\u0259viyy\u0259y\u0259 qald\u0131r\u0131r\u0131q. Qlobal bazarlarda \u201cKaspi\u201d v\u0259 \u201cGojek\u201d kimi platformalar\u0131n t\u0259cr\u00fcb\u0259sind\u0259 u\u011furla s\u0131naqdan \u00e7\u0131xm\u0131\u015f bu ekosistem modeli, Az\u0259rbaycanda da \u00f6z s\u0259m\u0259r\u0259liliyini t\u0259sdiq edir v\u0259 \u00f6lk\u0259mizin r\u0259q\u0259msal g\u0259l\u0259c\u0259yin\u0259 birba\u015fa t\u00f6hf\u0259 verir\u201d.
M\u00fc\u015ft\u0259ril\u0259rin g\u00fcnd\u0259lik ehtiyaclar\u0131n\u0131 Birbank, Birmarket v\u0259 m10 kimi apar\u0131c\u0131 brendl\u0259r vasit\u0259sil\u0259 vahid m\u0259rk\u0259zd\u0259 birl\u0259\u015fdir\u0259n Bir ekosistemi, 2025-ci ild\u0259 f\u0259aliyy\u0259t\u0259 ba\u015flad\u0131qdan sonra q\u0131sa m\u00fcdd\u0259td\u0259 5 milyondan \u00e7ox istifad\u0259\u00e7iy\u0259 \u00e7at\u0131b.<\/p>\n\n\n\n

\u00d6lk\u0259d\u0259 h\u0259yata ke\u00e7iril\u0259n h\u0259r iki r\u0259q\u0259msal \u00f6d\u0259ni\u015fd\u0259n biri m\u0259hz Bir ekosistem \u00fcz\u0259rind\u0259n apar\u0131l\u0131r. Bir ekosisteminin idar\u0259etm\u0259 modeli u\u011furlu qlobal t\u0259cr\u00fcb\u0259l\u0259r\u0259 \u0259saslansa da, yerli istehlak\u00e7\u0131lar\u0131n davran\u0131\u015f x\u00fcsusiyy\u0259tl\u0259rin\u0259 v\u0259 v\u0259rdi\u015fl\u0259rin\u0259 tam uy\u011funla\u015fd\u0131r\u0131l\u0131b. \u0130nsanlara ehtiyac duyduqlar\u0131 xidm\u0259tl\u0259ri \u0259n sad\u0259 yolla t\u0259qdim etm\u0259kl\u0259, platforma c\u0259miyy\u0259td\u0259 inam\u0131 art\u0131r\u0131r v\u0259 r\u0259q\u0259msal v\u0259rdi\u015fl\u0259rin formala\u015fmas\u0131n\u0131 s\u00fcr\u0259tl\u0259ndirir. Ekosistemin \u0259sas missiyas\u0131 s\u00fcr\u0259tli, t\u0259hl\u00fck\u0259siz v\u0259 rahat xidm\u0259tl\u0259r t\u0259qdim ed\u0259r\u0259k Az\u0259rbaycanda g\u00fcnd\u0259lik h\u0259yat\u0131n \u0259sas r\u0259q\u0259msal b\u0259l\u0259d\u00e7isin\u0259 \u00e7evrilm\u0259kdir.<\/p>\n\n\n\n

Bir haqq\u0131nda\u00a0<\/p>\n\n\n\n

Bir Az\u0259rbaycanda f\u0259rdi v\u0259 korporativ m\u00fc\u015ft\u0259ril\u0259rin g\u00fcnd\u0259lik xidm\u0259tl\u0259rd\u0259n istifad\u0259 davran\u0131\u015flar\u0131n\u0131 k\u00f6k\u00fcnd\u0259n d\u0259yi\u015f\u0259n, Qafqaz\u0131n ilk tam inteqrasiya olunmu\u015f r\u0259q\u0259msal ekosistemidir. \u00d6lk\u0259nin apar\u0131c\u0131 brendl\u0259rini \u2013 Birbank r\u0259q\u0259msal mobil bank\u00e7\u0131l\u0131q t\u0259tbiqi, Birmarket e-ticar\u0259t platformas\u0131, Milli\u00f6n \u00f6d\u0259ni\u015f terminallar\u0131 v\u0259 m10 r\u0259q\u0259msal pul kis\u0259sini \u00f6z\u00fcnd\u0259 birl\u0259\u015fdir\u0259r\u0259k 2025-ci ild\u0259 f\u0259aliyy\u0259t\u0259 ba\u015flayan ekosistem haz\u0131rda 5 milyondan \u00e7ox m\u00fc\u015ft\u0259riy\u0259 xidm\u0259t g\u00f6st\u0259rir. Geni\u015f infrastruktur imkanlar\u0131, el\u0259c\u0259 d\u0259 Trendyol Az\u0259rbaycan v\u0259 Bak\u0131Kart-la qurulmu\u015f strateji t\u0259r\u0259fda\u015fl\u0131qlar say\u0259sind\u0259 Bir, Az\u0259rbaycan\u0131n ilk v\u0259 \u0259n irimiqyasl\u0131 r\u0259q\u0259msal ekosisteminin \u0259sas\u0131n\u0131 qoyur.<\/p>\n\n\n\n

\u018ftrafl\u0131 m\u0259lumat \u00fc\u00e7\u00fcn: bir.az<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Bir Az\u0259rbaycan\u0131n r\u0259q\u0259msal transformasiya t\u0259cr\u00fcb\u0259sini \u201cMoney20\/20 Asia 2026\u201d qlobal s\u0259hn\u0259sin\u0259 da\u015f\u0131d\u0131 Qafqazda bank\u00e7\u0131l\u0131q, \u00f6d\u0259ni\u015f sisteml\u0259ri v\u0259 elektron ticar\u0259ti \u00f6z\u00fcnd\u0259 birl\u0259\u015fdir\u0259n ilk tam r\u0259q\u0259msal inteqrasiya olunmu\u015f Bir ekosistemi, Asiyan\u0131n \u0259n b\u00f6y\u00fck texnologiya t\u0259dbirl\u0259rind\u0259n olan \u201cMoney20\/20 Asia…<\/p>\n","protected":false},"author":1,"featured_media":45897,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/45896"}],"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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=45896"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/45896\/revisions"}],"predecessor-version":[{"id":45898,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/45896\/revisions\/45898"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/45897"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=45896"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=45896"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=45896"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}