{"id":5042,"date":"2022-11-11T14:52:27","date_gmt":"2022-11-11T11:52:27","guid":{"rendered":"https:\/\/rockvell.com\/?p=5042"},"modified":"2022-11-11T14:52:29","modified_gmt":"2022-11-11T11:52:29","slug":"bizi-bu-inkisaf-h%c9%99ddin%c9%99-must%c9%99ril%c9%99rimizin-t%c9%99l%c9%99bl%c9%99ri-catdirdi","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=5042","title":{"rendered":"Bizi bu inki\u015faf h\u0259ddin\u0259 m\u00fc\u015ft\u0259ril\u0259rimizin t\u0259l\u0259bl\u0259ri \u00e7atd\u0131rd\u0131"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>Bizi bu inki\u015faf h\u0259ddin\u0259 m\u00fc\u015ft\u0259ril\u0259rimizin t\u0259l\u0259bl\u0259ri \u00e7atd\u0131rd\u0131<\/strong><\/p>\n\n\n\n<p><em>Unibank son ill\u0259rd\u0259 \u00f6z inki\u015faf\u0131nda yeni m\u0259rh\u0259l\u0259y\u0259 q\u0259d\u0259m qoydu. Bu proses nec\u0259 getdi, Bank\u0131n inki\u015faf h\u0259d\u0259fl\u0259ri n\u0259dir v\u0259 m\u00fc\u015ft\u0259ril\u0259ri hans\u0131 yenilikl\u0259r g\u00f6zl\u0259yir? Bu suallar\u0131 Unibank KB-nin \u0130dar\u0259 Hey\u0259tinin s\u0259dri Faiq H\u00fcseynov cavabland\u0131r\u0131b. <\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/ph-FH-1024x682.jpg\" alt=\"\" class=\"wp-image-5043\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/ph-FH-1024x682.jpg 1024w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/ph-FH-300x200.jpg 300w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/ph-FH-768x512.jpg 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/ph-FH-360x240.jpg 360w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/ph-FH.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<ul><li><strong>Faiq m\u00fc\u0259llim, Bank\u0131n tarixin\u0259 baxanda g\u00f6r\u00fcr\u00fck ki, Unibank bir ne\u00e7\u0259 inki\u015faf m\u0259rh\u0259l\u0259si ke\u00e7ib. 2021-2023-c\u00fc ill\u0259ri \u0259hat\u0259 ed\u0259n yeni inki\u015faf strategiyas\u0131n\u0131 bu prosesin davam\u0131 hesab etm\u0259k olarm\u0131?<\/strong><\/li><\/ul>\n\n\n\n<p>D\u0259yi\u015fiklik v\u0259 inki\u015faf \u201cUnibank\u201d\u0131n h\u0259r zaman daimi prosesi olub. Bir az ke\u00e7mi\u015f\u0259 baxsaq, \u201cUnibank\u201d\u0131n b\u0259lli bir transformasiya x\u0259tti var. \u0130lk transformasiyadan sonra, ikinci m\u0259rh\u0259l\u0259 2012-2014-c\u00fc ill\u0259rd\u0259 ba\u015f verdi. Bu zaman bank p\u0259rak\u0259nd\u0259 seqment\u0259 kreditl\u0259\u015fm\u0259 bank\u0131 kimi t\u0259qdim edildi v\u0259 kifay\u0259t q\u0259d\u0259r u\u011furlu oldu. 2018-ci ild\u0259n bankda yenid\u0259n aktiv kreditl\u0259\u015fm\u0259 d\u00f6vr\u00fc ba\u015flad\u0131 v\u0259 bu proses 2020-ci il\u0259d\u0259k davam etdi.\u00a0 H\u0259min ild\u0259n etibar\u0259n is\u0259 Unibank bazarda \u00f6z\u00fcn\u00fcn t\u0259qdimetm\u0259sini d\u0259yi\u015f\u0259r\u0259k, yaln\u0131z kredit bank\u0131 deyil, m\u00fc\u015ft\u0259rinin g\u00fcnl\u00fck b\u00fct\u00fcn ehtiyaclar\u0131n\u0131 \u00f6z\u00fcnd\u0259 c\u0259ml\u0259y\u0259r\u0259k\u00a0 \u201cilk se\u00e7im bank\u0131\u201d olma\u011f\u0131 m\u0259qs\u0259d qoydu. 2021-2023-c\u00fc ill\u0259ri \u0259hat\u0259 ed\u0259n \u201cS\u0259nin Bank\u0131n\u201d adl\u0131 yeni inki\u015faf strategiyas\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259, 30 illik yubileyimizin t\u0259sad\u00fcf etdiyi 2022-ci ili \u201cUnibank 3.0\u201d transformasiya ili saya bil\u0259rik. \u201cM\u00fc\u015ft\u0259rinin ilk se\u00e7im bank\u0131\u201d olmaq \u00fc\u00e7\u00fcn yeni ekosistem yarad\u0131ld\u0131 ki, m\u00fc\u015ft\u0259ri bu ekosistemd\u0259 ona laz\u0131m olan b\u00fct\u00fcn bank m\u0259hsul v\u0259 xidm\u0259tl\u0259rini 24\/7 rejimd\u0259 v\u0259 rahat ala bilsin. Bu ekosistem \u201cUnibank\u201d\u0131n transformasiya olunmu\u015f filial \u015f\u0259b\u0259k\u0259si (Upoint) , transformasiya olmu\u015f m\u00fc\u015ft\u0259ri xidm\u0259ti prosesl\u0259ri, yeni kart m\u0259hsulu (UCard) v\u0259 bu kart\u0131n xidm\u0259t g\u00f6st\u0259rdiyi yeni \u00f6z\u00fcn\u0259xidm\u0259t aparatlar\u0131 \u015f\u0259b\u0259k\u0259si (UTM), mobil (UBank) t\u0259tbiqidir.<\/p>\n\n\n\n<ul><li><strong>Bank\u0131n haz\u0131rk\u0131 inki\u015faf m\u0259rh\u0259l\u0259sini n\u0259z\u0259rd\u0259 tutan strategiyan\u0131n haz\u0131rlanmas\u0131n\u0131 \u015f\u0259rtl\u0259ndir\u0259n hans\u0131 amill\u0259r oldu?<\/strong><\/li><\/ul>\n\n\n\n<p>M\u00fcasir d\u00f6vrd\u0259 d\u0259yi\u015fiklikl\u0259r o q\u0259d\u0259r tez- tez ba\u015f verir ki, \u015firk\u0259tl\u0259r \u0259n az\u0131 ild\u0259 bir d\u0259f\u0259 strategiyalar\u0131n\u0131 n\u0259z\u0259rd\u0259n ke\u00e7irm\u0259lidirl\u0259r. \u201cUnibank\u201dda bu strateji d\u0259yi\u015fikliyi \u015f\u0259rtl\u0259ndir\u0259n \u0259sas amil d\u00fcnyada v\u0259 \u00f6lk\u0259d\u0259 ba\u015f ver\u0259n yenilikl\u0259r, bazarda artan r\u0259qab\u0259t, potensial imkanlar, m\u00fc\u015ft\u0259ril\u0259rin t\u0259l\u0259bkarl\u0131\u011f\u0131n\u0131n daha da artmas\u0131 oldu. Bu d\u0259yi\u015fiklikl\u0259r\u0259 uy\u011funla\u015fmaq \u00fc\u00e7\u00fcn T\u00fcrkiy\u0259 v\u0259 Ukrayna bazar\u0131nda bu i\u015fd\u0259 b\u00f6y\u00fck t\u0259cr\u00fcb\u0259si olan konsultantlarla birg\u0259 \u00e7ox geni\u015f bir bazar ara\u015fd\u0131rmas\u0131 h\u0259yata ke\u00e7irdik, m\u00fc\u015ft\u0259ril\u0259rin ehtiyaclar\u0131n\u0131, ist\u0259kl\u0259rini \u00f6yr\u0259ndik, g\u00fcnd\u0259lik h\u0259yat\u0131n\u0131 m\u00fc\u015fahid\u0259 etdik v\u0259 onlar\u0131n \u00e7\u0259tinlikl\u0259rini, ist\u0259kl\u0259rini ortaya \u00e7\u0131xard\u0131q. Bu ara\u015fd\u0131rmalar\u0131n n\u0259tic\u0259si olaraq \u201cS\u0259nin Bank\u0131n\u201d konsepti yarand\u0131.\u201cS\u0259nin Bank\u0131n\u201d konsepsiyas\u0131n\u0131n m\u0259qs\u0259di m\u00fc\u015ft\u0259riy\u0259 daha yax\u0131n olmaqd\u0131r. Y\u0259ni S\u0259nin bank\u0131n s\u0259nin b\u00fct\u00fcn ehtiyaclar\u0131n\u0131 \u00f6d\u0259m\u0259lidir. Ona g\u00f6r\u0259 m\u00fc\u015ft\u0259rinin ist\u0259diyi bank m\u0259hsul v\u0259 xidm\u0259tl\u0259rini t\u0259klif etdik: \u00e7oxfunksiyal\u0131, multivalyutal\u0131 UCard-\u0131 m\u00fc\u015ft\u0259riy\u0259 t\u0259qdim etdik, \u201cR\u0259q\u0259msal filial\u201d konseptini yaratd\u0131q, Apple Pay v\u0259 Google Pay \u00f6d\u0259ni\u015f imkanlar\u0131 m\u00fc\u015ft\u0259ril\u0259rin istifad\u0259sin\u0259 verildi.<\/p>\n\n\n\n<ul><li><strong>Dem\u0259k olar ki, Leobank da bu yeni strategiyadan ir\u0259li g\u0259l\u0259n bir layih\u0259dir?<\/strong><\/li><\/ul>\n\n\n\n<p>B\u0259li. \u201cS\u0259nin bank\u0131n\u201d konsepsiyas\u0131nda ara\u015fd\u0131rma zaman iki m\u00fch\u00fcm aspekt\u0259 diqq\u0259t etdik. Birinci &#8211; m\u00fc\u015ft\u0259ril\u0259rin ehtiyac v\u0259 ist\u0259kl\u0259ri, ikinci is\u0259 bu ehtiyaclar\u0131n v\u0259 ist\u0259kl\u0259rin\u00a0 bank m\u0259hsullar\u0131 v\u0259 xidm\u0259tl\u0259ri \u00e7\u0259r\u00e7iv\u0259sind\u0259 h\u0259lli. Az\u0259rbaycanda ilk d\u0259f\u0259 olaraq \u00abmobile-only\u00bb (filials\u0131z bank) prinsipin\u0259 uy\u011fun olaraq istifad\u0259y\u0259 veril\u0259n Leobank da m\u00fc\u015ft\u0259ril\u0259rin ist\u0259kl\u0259rin\u0259, t\u0259l\u0259bl\u0259rin\u0259, onlar\u0131n rahatl\u0131\u011f\u0131na, m\u00fc\u015ft\u0259riy\u0259 se\u00e7im imkan\u0131 yaratma\u011fa y\u00f6n\u0259lmi\u015f bir layih\u0259dir. Leobank-a olan y\u00fcks\u0259k maraq, \u00e7ox q\u0131sa m\u00fcdd\u0259td\u0259 y\u00fczminl\u0259rl\u0259 m\u00fc\u015ft\u0259rinin se\u00e7imin\u0259 \u00e7evrilm\u0259si, layih\u0259nin n\u0259 q\u0259d\u0259r m\u00fc\u015ft\u0259riy\u00f6n\u00fcml\u00fc oldu\u011funun g\u00f6st\u0259ricisidir. Biz bu bir il \u0259rzind\u0259 m\u00fc\u015fahid\u0259 etdik ki, m\u00fc\u015ft\u0259ri \u00fc\u00e7\u00fcn m\u0259saf\u0259li bank xidm\u0259tl\u0259rinin \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131 t\u0259min ed\u0259n Leobank mobil bank\u00e7\u0131l\u0131q xidm\u0259ti \u00f6lk\u0259 \u0259halisinin maliyy\u0259 xidm\u0259tl\u0259rin\u0259 mara\u011f\u0131n\u0131n \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 art\u0131r\u0131lmas\u0131na xidm\u0259t edib. Bu g\u00fcn Leobank kartlar\u0131n\u0131n 80%-nin g\u00fcnd\u0259lik aktiv kartlar olmas\u0131 da, layih\u0259nin m\u00fc\u015ft\u0259riy\u00f6n\u00fcml\u00fcl\u00fcy\u00fcnd\u0259n x\u0259b\u0259r verir.<\/p>\n\n\n\n<ul><li><strong>Yeni strategiya \u00e7\u0259r\u00e7iv\u0259sind\u0259 g\u00f6r\u00fcl\u0259n i\u015fl\u0259r y\u0259qin ki, b\u00f6y\u00fck s\u0259rmay\u0259 qoyulu\u015flar\u0131 hesab\u0131na ba\u015fa g\u0259lib?<\/strong><\/li><\/ul>\n\n\n\n<p>M\u0259rk\u0259zind\u0259 m\u00fc\u015ft\u0259ri v\u0259 onun m\u0259mnuniyy\u0259ti dayanan bu konsepsiya \u00e7oxsayl\u0131 v\u0259 kifay\u0259t q\u0259d\u0259r b\u00fcdc\u0259li layih\u0259l\u0259rin icras\u0131 il\u0259 m\u00fc\u015fayi\u0259t olunur. M\u00fc\u015ft\u0259ril\u0259rimizin ist\u0259yin\u0259 uy\u011fun olaraq xidm\u0259t v\u0259 m\u0259hsullar\u0131n \u0259n yax\u015f\u0131s\u0131n\u0131 etm\u0259k \u00fc\u00e7\u00fcn\u00a0son iki ild\u0259 b\u00f6y\u00fck s\u0259rmay\u0259li layih\u0259l\u0259r h\u0259yata ke\u00e7iririk v\u0259 bu proses davam edir. Bu layih\u0259l\u0259rin b\u0259zil\u0259rinin n\u0259tic\u0259sini m\u00fc\u015ft\u0259ri indi hiss edir, b\u0259zil\u0259ri is\u0259 yax\u0131n g\u0259l\u0259c\u0259kd\u0259 xidm\u0259t v\u0259 m\u0259hsullar\u0131m\u0131zda hiss olunacaq. UCard, Leobank, UPoint -yeni filial modeli, davaml\u0131 t\u0259kmill\u0259\u015fdiril\u0259n mobil t\u0259tbiql\u0259r, x\u00fcsusi \u0130T infrastruktur,\u00a0 daxili prosessinq m\u0259rk\u0259zi bu layih\u0259l\u0259rin yaln\u0131z bir hiss\u0259sidir. B\u00fct\u00fcn bu layih\u0259l\u0259r m\u00fc\u015ft\u0259ril\u0259ri daha y\u00fcks\u0259k bank xidm\u0259t v\u0259 m\u0259hsullar\u0131 il\u0259 t\u0259min etm\u0259k \u00fc\u00e7\u00fcnd\u00fcr.<\/p>\n\n\n\n<ul><li><strong>\u0130lin sonuna az qal\u0131b, \u201cS\u0259nin Bank\u0131n\u201d konsepsiyas\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulan t\u0259dbirl\u0259ri tam yekunla\u015fd\u0131rd\u0131\u011f\u0131n\u0131z\u0131 dem\u0259k olarm\u0131? Bu i\u015f y\u0259qin ki komandan\u0131z\u0131n son ill\u0259rd\u0259ki b\u00f6y\u00fck u\u011furlar\u0131ndan biridir.<\/strong><\/li><\/ul>\n\n\n\n<p>M\u00fc\u015ft\u0259ril\u0259rimizin t\u0259l\u0259bl\u0259ri, ist\u0259kl\u0259ri davam etdikc\u0259, S\u0259nin Bank\u0131n davaml\u0131 t\u0259kmill\u0259\u015f\u0259c\u0259k. \u00c7\u00fcnki konsepsiyan\u0131n\u00a0 \u0259sas m\u0259qs\u0259di davaml\u0131 olaraq m\u00fc\u015ft\u0259ri m\u0259mnuniyy\u0259tini t\u0259min etm\u0259kdir. Bu b\u00f6y\u00fck d\u0259yi\u015fiklik, layih\u0259 t\u0259bii ki, beyn\u0259lxalq ekspertl\u0259rin yax\u0131ndan i\u015ftirak\u0131 il\u0259 komandam\u0131z\u0131n g\u0259rgin z\u0259hm\u0259tinin b\u0259hr\u0259sidir. Amma burda \u0259sas t\u0259\u015f\u0259kk\u00fcr m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 d\u00fc\u015f\u00fcr. Unibank olaraq biz bu yenil\u0259nm\u0259yimizi, inki\u015faf\u0131m\u0131z\u0131, bazardak\u0131 yerimizi \u00f6z t\u0259l\u0259bkar m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 borcluyuq. Fikir vermisinizs\u0259, bizim m\u00fc\u015ft\u0259ril\u0259rimiz bazar\u0131n \u0259n t\u0259l\u0259bkar, \u0259n iddial\u0131, xidm\u0259tin, m\u0259hsulun \u0259n yax\u015f\u0131s\u0131n\u0131 ist\u0259y\u0259n m\u00fc\u015ft\u0259ril\u0259ri s\u0131ras\u0131ndad\u0131r. M\u0259n \u00fcz\u00fcm\u00fc m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 tutub dem\u0259k ist\u0259yir\u0259m: Sizin t\u0259l\u0259bl\u0259riniz, ist\u0259kl\u0259riniz\u00a0 say\u0259sind\u0259 daha s\u00fcr\u0259tli inki\u015faf yolu ke\u00e7ib, \u00f6lk\u0259nin \u0259n innovativ banklar\u0131ndan biri olduq. Bizd\u0259n h\u0259r zaman y\u00fcks\u0259k bank xidm\u0259tl\u0259ri t\u0259l\u0259b etdiyiniz \u00fc\u00e7\u00fcn siz\u0259 t\u0259\u015f\u0259kk\u00fcr edirik. Siz \u201cUnibank\u201d\u0131 \u00f6lk\u0259nin \u0259n inki\u015fafl\u0131, \u00f6nc\u00fcl banklar\u0131ndan birin\u0259 \u00e7evirdiniz.<br>Bu ill\u0259rd\u0259 s\u0259rf\u0259li t\u0259klifl\u0259ri, loyall\u0131qlar\u0131 il\u0259 daim\u00a0 yan\u0131m\u0131zda olan partnyorlar\u0131m\u0131za da minn\u0259tdar\u0131q. Sonda \u0259n m\u00fc\u015ft\u0259riy\u00f6n\u00fcml\u00fc bank olma\u011fa \u00e7\u0131xd\u0131\u011f\u0131m\u0131z bu yolda biziml\u0259 add\u0131mlayan 1,5 milyondan \u00e7ox m\u00fc\u015ft\u0259rinin h\u0259r birin\u0259 bir daha loyall\u0131qlar\u0131 v\u0259 etibarl\u0131 olduqlar\u0131 \u00fc\u00e7\u00fcn t\u0259\u015f\u0259kk\u00fcr edir\u0259m. <\/p>\n\n\n\n<p><strong>Maraql\u0131 m\u00fcsahib\u0259y\u0259 g\u00f6r\u0259 t\u0259\u015f\u0259kk\u00fcr edirik!<\/strong><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bizi bu inki\u015faf h\u0259ddin\u0259 m\u00fc\u015ft\u0259ril\u0259rimizin t\u0259l\u0259bl\u0259ri \u00e7atd\u0131rd\u0131 Unibank son ill\u0259rd\u0259 \u00f6z inki\u015faf\u0131nda yeni m\u0259rh\u0259l\u0259y\u0259 q\u0259d\u0259m qoydu. Bu proses nec\u0259 getdi, Bank\u0131n inki\u015faf h\u0259d\u0259fl\u0259ri n\u0259dir v\u0259 m\u00fc\u015ft\u0259ril\u0259ri hans\u0131 yenilikl\u0259r g\u00f6zl\u0259yir? Bu suallar\u0131 Unibank KB-nin \u0130dar\u0259 Hey\u0259tinin&#8230;<\/p>\n","protected":false},"author":2,"featured_media":5043,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41,4],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/5042"}],"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=5042"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/5042\/revisions"}],"predecessor-version":[{"id":5044,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/5042\/revisions\/5044"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/5043"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5042"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}