{"id":5359,"date":"2020-02-27T20:08:04","date_gmt":"2020-02-27T16:08:04","guid":{"rendered":"http:\/\/aranxeber.com\/?p=5359"},"modified":"2020-02-27T20:08:05","modified_gmt":"2020-02-27T16:08:05","slug":"vusal-qasimli-az%c9%99rbaycanda-maliyy%c9%99-texnologiyalarinin-fintekl%c9%99rin-t%c9%99tbiqi-imkanlari-genisdir","status":"publish","type":"post","link":"https:\/\/aranxeber.com\/?p=5359","title":{"rendered":"V\u00fcsal Qas\u0131ml\u0131: Az\u0259rbaycanda maliyy\u0259 texnologiyalar\u0131n\u0131n \u2013 fintekl\u0259rin t\u0259tbiqi imkanlar\u0131 geni\u015fdir"},"content":{"rendered":"\n<p>Az\u0259rbaycan Respublikas\u0131 \u0130qtisadi \u0130slahatlar\u0131n T\u0259hlili v\u0259 Kommunikasiya M\u0259rk\u0259zinin icra\u00e7\u0131 direktoru, iqtisad elml\u0259ri doktoru V\u00fcsal Qas\u0131ml\u0131 d\u00fcnyada maliyy\u0259 texnologiyalar\u0131 \u00fczr\u0259 \u0259sas trendl\u0259r v\u0259 fintekl\u0259rin \u00f6lk\u0259mizd\u0259 t\u0259tbiqinin geni\u015fl\u0259ndirilm\u0259si m\u00f6vzusunda suallara cavab verib.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><em>D\u00fcnya \u00fczr\u0259 maliyy\u0259 texnologiyalar\u0131 sah\u0259sind\u0259 cari v\u0259ziyy\u0259ti nec\u0259 qiym\u0259tl\u0259ndirirm\u0259k olar?<\/em><\/strong><\/li><\/ul>\n\n\n\n<p>\u0130nki\u015faf\u0131 d\u0259qiqliy\u0259, rasionall\u0131\u011fa v\u0259 \u00e7evikliy\u0259 dayanan maliyy\u0259 sektoru s\u00fcni intellektin, insan resurslar\u0131n\u0131n m\u0259hsuldarl\u0131\u011f\u0131n\u0131 art\u0131ran v\u0259 x\u0259talar\u0131 azaldan yeni texnologiyalar\u0131n t\u0259tbiqini daha \u00e7ox t\u0259l\u0259b edir. Bu g\u00fcn fintek sah\u0259sind\u0259 s\u00fcr\u0259tli inki\u015faf m\u00fc\u015fahid\u0259 olunur. \u018fsas\u0259n AB\u015e, Avropa \u00f6lk\u0259l\u0259rind\u0259n B.Britaniya, Almaniya v\u0259 \u0130sve\u00e7, Asiya \u00f6lk\u0259l\u0259rind\u0259n \u00c7in, Yaponiya, C\u0259nubi Koreya v\u0259 Hindistan, eyni zamanda, Braziliya v\u0259 Avstraliya bu inki\u015faf\u0131n stimulyatorlar\u0131 rolunu oynay\u0131rlar. Bel\u0259 ki, fintek sah\u0259sinin startaplar\u0131 ad\u0131\u00e7\u0259kil\u0259n \u00f6lk\u0259rin yetirm\u0259l\u0259ridir.&nbsp;<strong>Bu sah\u0259d\u0259 \u201ct\u0259k buynuzlu at\u201d adland\u0131r\u0131lan d\u0259y\u0259ri 1 milyard dollardan art\u0131q olan startaplar\u0131n say\u0131 \u0259n son statistik m\u0259lumatlara \u0259sas\u0259n 67-\u0259 \u00e7at\u0131b.<\/strong>&nbsp;\u00dcmumi d\u0259y\u0259rl\u0259ri 244.6 milyard dollar olan bu \u015firk\u0259tl\u0259rin 57%- i AB\u015e-da yerl\u0259\u015fir. \u018fn b\u00f6y\u00fck maliyy\u0259 d\u0259y\u0259ri olan startap is\u0259 \u00c7inin 39.4 milyard d\u0259y\u0259rind\u0259 olan Lu.com \u015firk\u0259tidir. \u0130kinci pill\u0259d\u0259 AB\u015e-da yerl\u0259\u015f\u0259n Stripe (35.3 milyard dollar) \u015firk\u0259ti yer al\u0131b. 3-c\u00fc pill\u0259ni is\u0259 h\u0259r biri 10 milyard dollar d\u0259y\u0259rind\u0259 olan&nbsp; AB\u015e-\u0131n \u201cRipple\u201d v\u0259 Braziliyan\u0131n \u201cNuBank\u201d \u015firk\u0259tl\u0259ri tutur. Onu da x\u00fcsusi qeyd etm\u0259k laz\u0131md\u0131r ki, bu inki\u015faf durmadan davam edir. Bel\u0259 ki, \u00f6t\u0259n ilin son r\u00fcb\u00fcnd\u0259 8, bu ilin ilk aylar\u0131nda is\u0259 3 yeni startap yaran\u0131b. Maliyy\u0259l\u0259\u015fm\u0259 h\u0259cmind\u0259n asl\u0131 olmayaraq startap say\u0131na g\u00f6r\u0259 ilk pill\u0259d\u0259 olan sektor is\u0259 ki\u00e7ik v\u0259 orta sahibkarl\u0131qd\u0131r. T\u0259kc\u0259 AB\u015e-da bu sektor \u00fczr\u0259 140 startap f\u0259aliyy\u0259t g\u00f6st\u0259rir.<\/p>\n\n\n\n<p>Dig\u0259r diqq\u0259t yetirilm\u0259li olan m\u0259qam maliyy\u0259 sektorunun b\u00f6y\u00fck \u015firk\u0259tl\u0259rinin bu startaplara investisiya maraqlar\u0131n\u0131n y\u00fcks\u0259k olmas\u0131d\u0131r. Fintek startaplar\u0131na yat\u0131rd\u0131\u011f\u0131 investiya d\u0259y\u0259rin\u0259 g\u00f6r\u0259 ilk pill\u0259d\u0259 \u201cGoldman Sachs\u201d \u015firk\u0259ti durur. 13 f\u0259rqli ixtisasla\u015fmas\u0131 olan 49 startap ad\u0131\u00e7\u0259kil\u0259n \u015firk\u0259t t\u0259r\u0259find\u0259n al\u0131n\u0131b. 10 f\u0259rqli ixtisasla\u015fmas\u0131 olan 34 startap \u201cCiti\u201d \u015firk\u0259ti, 22 startap is\u0259 \u201cJP Morgan\u201d \u015firk\u0259ti t\u0259r\u0259find\u0259n maliyy\u0259l\u0259\u015fdirilib. Lakin 2019-cu ild\u0259 \u00fcmumi olaraq bu sah\u0259y\u0259 yat\u0131r\u0131lan investisiya h\u0259cmi son 5 ilin g\u00f6st\u0259ricil\u0259ri il\u0259 m\u00fcqayis\u0259d\u0259 azal\u0131b. Bu azalmaya yeni yaranm\u0131\u015f (toxum v\u0259 ba\u015flama s\u0259viyy\u0259sind\u0259 olan) startaplara yat\u0131r\u0131lan investisiyalar\u0131n 2015-ci ild\u0259n bu g\u00fcn\u0259 kimi azalma tendensiyas\u0131 n\u00fcmayi\u015f etdirm\u0259si t\u0259sir edib. Bel\u0259 ki, toxum v\u0259 ba\u015flan\u011f\u0131c s\u0259viyy\u0259sind\u0259 olan startaplara yat\u0131r\u0131lan investisiya h\u0259cmi 2015-ci ild\u0259 67% t\u0259\u015fkil etdiyi halda, 2019-cu ild\u0259 bu g\u00f6st\u0259rici 59%-a q\u0259d\u0259r azal\u0131b. Bunun \u0259sas s\u0259b\u0259bi is\u0259 sektorun doyma h\u0259ddin\u0259 \u00e7atmaqda olmas\u0131d\u0131r. S\u00fcr\u0259tl\u0259 inki\u015faf ed\u0259n texnoloji yenilikl\u0259r v\u0259 t\u0259klifl\u0259r bazarda eyni h\u0259cmd\u0259 t\u0259l\u0259bl\u0259 uzla\u015fm\u0131\u015f v\u0259 eyni s\u00fcr\u0259tl\u0259 absorbsiya oluna bilmir. Bu m\u00fclahiz\u0259y\u0259 dig\u0259r misal olaraq inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 investisiya h\u0259cml\u0259rinin art\u0131m\u0131n\u0131n dayanmas\u0131 v\u0259 h\u0259l\u0259 ki sabit qalmas\u0131, inki\u015faf etm\u0259kd\u0259 olan \u00f6lk\u0259l\u0259rd\u0259 is\u0259 art\u0131m\u0131n davam etm\u0259sini g\u00f6st\u0259rm\u0259k olar.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><em>Bu sah\u0259d\u0259 qlobal trendl\u0259r\u0259 n\u0259l\u0259ri misal g\u00f6st\u0259rm\u0259k olar?&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/em><\/strong><\/li><\/ul>\n\n\n\n<p>\u00dcmum\u0259n maliyy\u0259 texnologiyalar\u0131 s\u00fcr\u0259tli \u015f\u0259kild\u0259 v\u0259 geni\u015f spektrd\u0259 t\u0259tbiq olunur. \u018fsas sah\u0259l\u0259r\u0259&nbsp;<strong>\u00f6d\u0259ni\u015f sisteml\u0259ri, pul k\u00f6\u00e7\u00fcrm\u0259l\u0259ri, \u015f\u0259xsi maliyy\u0259 idar\u0259etm\u0259si, audit v\u0259 risk menecmenti, maliyy\u0259 bazarlar\u0131 v\u0259 investisiya, eyni zamanda, da\u015f\u0131nmaz \u0259mlak v\u0259 s\u0131\u011forta<\/strong>&nbsp;sah\u0259sini g\u00f6st\u0259rm\u0259k olar.<\/p>\n\n\n\n<p>2019-cu ild\u0259 investisiyalar\u0131n c\u0259lbin\u0259 g\u00f6r\u0259 ilk pill\u0259d\u0259&nbsp;<strong>s\u0131\u011forta sah\u0259sinin fintekl\u0259ri (insurtech)<\/strong>&nbsp;yer al\u0131r. Bel\u0259 ki, sad\u0259c\u0259 son r\u00fcbd\u0259 bu sah\u0259y\u0259 1.8, b\u00fct\u00fcn il \u0259rzind\u0259 is\u0259&nbsp;<strong>6.8 milyard dollar<\/strong>&nbsp;v\u0259sait c\u0259lb olunub. \u018fmlak\u0131n s\u0131\u011fortas\u0131, tibbi s\u0131\u011forta, biznes s\u0131\u011fortas\u0131 sah\u0259sind\u0259 ixtisasla\u015fan 1 milyard dollardan \u00e7ox d\u0259y\u0259ri olan fintekl\u0259r, eyni zamanda, h\u0259yat s\u0131\u011fortas\u0131 v\u0259 ki\u00e7ik biznesl\u0259rin s\u0131\u011fortas\u0131n\u0131 h\u0259yata ke\u00e7ir\u0259n dig\u0259r \u015firk\u0259tl\u0259r m\u00fcvafiq istiqam\u0259tl\u0259rd\u0259 riskl\u0259ri qiym\u0259tl\u0259ndirir, anderraytinq \u0259m\u0259liyyatlar\u0131n\u0131 h\u0259yata ke\u00e7irir v\u0259 maraql\u0131 t\u0259r\u0259fl\u0259rin vahid platforma \u00fcz\u0259rind\u0259 \u0259laq\u0259l\u0259ndirilm\u0259sini t\u0259min etm\u0259kl\u0259 s\u0131\u011forta prosedurlar\u0131n\u0131 daha s\u0259m\u0259r\u0259li edir. Bu sah\u0259nin investisiya h\u0259cmin\u0259 g\u00f6r\u0259 liderlik etm\u0259sin\u0259 g\u0259ldikd\u0259 is\u0259, risk faktorunun oldu\u011fu m\u00fcdd\u0259tc\u0259 s\u0131\u011fortaya ehtiyac\u0131n olma\u011fa davam etm\u0259si m\u0259hz bu sah\u0259nin trend olaraq qalmas\u0131 v\u0259 dig\u0259r sah\u0259l\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 daha \u00e7ox investisiya c\u0259lb etm\u0259si hal\u0131n\u0131 izah ed\u0259 bil\u0259r.<\/p>\n\n\n\n<p>Dig\u0259r fintek t\u0259tbiqi sah\u0259si olan&nbsp;<strong>\u00f6d\u0259ni\u015f sisteml\u0259ri v\u0259 pul k\u00f6\u00e7\u00fcrm\u0259l\u0259ri<\/strong>&nbsp;blok\u00e7eyn texnologiyalar\u0131n\u0131n t\u0259tbiqi il\u0259 daha s\u00fcr\u0259tli v\u0259 \u015f\u0259ffaf \u015f\u0259kild\u0259 h\u0259yata ke\u00e7irilir. X\u00fcsus\u0259n \u201cEtherium\u201d platformas\u0131ndan istifad\u0259 ed\u0259n b\u00f6y\u00fck \u015firk\u0259tl\u0259r bu texnologiyan\u0131n t\u0259tbiqi il\u0259 prosedurlar\u0131 s\u00fcr\u0259tl\u0259ndirir, \u0259m\u0259k resurslar\u0131ndan istifad\u0259ni v\u0259 x\u0259rcl\u0259ri azald\u0131r, eyni zamanda, yeni bazarlara giri\u015fi t\u0259min edirl\u0259r. Bel\u0259 ki, yeni texnoloji h\u0259ll\u0259rin t\u0259tbiqi \u00e7ox x\u0259rc t\u0259l\u0259b ed\u0259n proseduralardan hesab olunan klirens (r\u0259smil\u0259\u015fdirm\u0259) \u0259m\u0259liyyatlar\u0131n\u0131 daha s\u0259m\u0259r\u0259li formada h\u0259yata ke\u00e7irm\u0259y\u0259 imkan yarad\u0131r. Eyni zamanda, \u0259m\u0259k resurlar\u0131n\u0131n b\u00f6y\u00fck v\u0259 n\u00fcfuzlu \u015firk\u0259tl\u0259rd\u0259 baha oldu\u011funu n\u0259z\u0259r\u0259 alaraq, ki\u00e7ik v\u0259 az g\u0259lirli bazarlardak\u0131 \u0259m\u0259liyyatlara onlar\u0131n c\u0259lb olunmas\u0131 m\u0259qs\u0259d\u0259m\u00fcvafiq hesab olunmurdu. Lakin Fintekin t\u0259tbiqi art\u0131q bu bazarlarda \u0259m\u0259liyyatlar\u0131n avtomatla\u015fd\u0131r\u0131lm\u0131\u015f \u015f\u0259kild\u0259 h\u0259yata ke\u00e7irilm\u0259sini m\u00fcmk\u00fcn edir. Bu da \u015firk\u0259tin f\u0259aliyy\u0259t spektrini v\u0259 g\u0259lirl\u0259rini art\u0131r\u0131r.<\/p>\n\n\n\n<p><strong>Bank sektorunda<\/strong>&nbsp;s\u00fcni intellektin t\u0259tbiqi d\u0259 qlobal trendl\u0259rd\u0259ndir. Risk menecmentini v\u0259 anderraytinq \u0259m\u0259liyyatlar\u0131n\u0131 h\u0259yata ke\u00e7ir\u0259n analitik botlar, m\u00fc\u015ft\u0259ri xidm\u0259ti v\u0259 ki\u00e7ik h\u0259cmli kredit \u0259m\u0259liyyatlar\u0131n\u0131 h\u0259yata ke\u00e7ir\u0259n \u00e7atbotlar prosedurlar\u0131n daha \u00e7evik v\u0259 \u015f\u0259ffaf h\u0259yata ke\u00e7irilm\u0259sin\u0259 s\u0259b\u0259b olaraq m\u00fc\u015ft\u0259ri m\u0259mnunlu\u011funu art\u0131r\u0131r, riskl\u0259ri daha obyektiv v\u0259 d\u0259qiq qiym\u0259tl\u0259ndirm\u0259kl\u0259 bank\u0131n f\u0259aliyy\u0259tini geni\u015fl\u0259ndirir, yeni bazarlara giri\u015fi t\u0259min edir, insanlar\u0131 \u0259v\u0259z etm\u0259kl\u0259 is\u0259 i\u015f\u00e7i q\u00fcvv\u0259sin\u0259 ayr\u0131lan x\u0259rcl\u0259ri azald\u0131r. B\u00fct\u00fcn hallarda bank\u0131n s\u0259m\u0259r\u0259liliyini v\u0259 g\u0259lirliliyini art\u0131rma\u011fa xidm\u0259t edir.<\/p>\n\n\n\n<p>\u018fn\u0259n\u0259vi banklarla paralel&nbsp;<strong>r\u0259q\u0259msal bank\u00e7\u0131l\u0131q<\/strong>&nbsp;v\u0259&nbsp;<strong>elektron kredit platformalar\u0131<\/strong>&nbsp;da geni\u015f \u015f\u0259kild\u0259 t\u0259tbiq olunma\u011fa ba\u015flay\u0131r, x\u00fcsus\u0259n Asiya bazar\u0131nda v\u0259 Lat\u0131n Amerikas\u0131nda onlar\u0131n say\u0131 s\u00fcr\u0259tl\u0259 artmaqdad\u0131r. \u00d6t\u0259n il Sinqapurda 26-dan \u00e7ox \u015firk\u0259t r\u0259q\u0259msal bank\u00e7\u0131l\u0131q lisenziyas\u0131 \u00fc\u00e7\u00fcn m\u00fcraci\u0259t edib. Bu m\u00fcraci\u0259tl\u0259r aras\u0131nda&nbsp;<strong>\u201cANT Financial\u201d, \u201cRazer\u201d v\u0259 \u201cXiaomi<\/strong>\u201d kimi texnoloji&nbsp; \u015firk\u0259tl\u0259r d\u0259 var. Bu platformalar banklar\u0131n f\u0259aliyy\u0259tind\u0259n k\u0259narda qalan mikro v\u0259 KOS subyektl\u0259rinin maliyy\u0259 \u0259l\u00e7atanl\u0131l\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131na xidm\u0259t edir. AB\u015e bazar\u0131nda da alternativ kreditorlar\u0131n yaranmas\u0131 bank-kredit sah\u0259sind\u0259 r\u0259qab\u0259ti art\u0131rma\u011fa, xidm\u0259tin is\u0259 buna uy\u011fun olaraq daha keyfiyy\u0259tli s\u0259viyy\u0259y\u0259 y\u00fcks\u0259lm\u0259sin\u0259 g\u0259tirib \u00e7\u0131xar\u0131r.<\/p>\n\n\n\n<p><strong>KOS<\/strong>&nbsp;subyektl\u0259rinin maliyy\u0259 v\u0259 m\u00fchasibat \u0259m\u0259liyyatlar\u0131n\u0131 idar\u0259 ed\u0259n texnoloji h\u0259ll\u0259r d\u0259 geni\u015f t\u0259tbiq olunma\u011fa ba\u015flay\u0131b. D\u00fcnya bazar\u0131nda \u015firk\u0259tin x\u0259rcl\u0259rini strateji \u0259h\u0259miyy\u0259tin\u0259 v\u0259 \u015firk\u0259tin prioritetl\u0259rin\u0259 uy\u011fun olaraq optimalla\u015fd\u0131ran, d\u00f6vriyy\u0259sini s\u00fcr\u0259tl\u0259ndir\u0259n, \u015firk\u0259tin cari v\u0259ziyy\u0259tini qiym\u0259tl\u0259ndir\u0259n, m\u00fc\u015ft\u0259ri il\u0259 \u0259laq\u0259l\u0259ri t\u0259min ed\u0259n, \u00f6d\u0259ni\u015f v\u0259 pul k\u00f6\u00e7\u00fcrm\u0259l\u0259rini s\u00fcr\u0259tl\u0259ndir\u0259n, h\u0259tta investisiya c\u0259lbin\u0259 ixtisasla\u015fm\u0131\u015f x\u00fcsusi proqram t\u0259minatlar\u0131 istifad\u0259 olunur.<\/p>\n\n\n\n<p>Real sektorda h\u0259m&nbsp;<strong>B2C<\/strong>&nbsp;(\u015firk\u0259t v\u0259 m\u00fc\u015ft\u0259ril\u0259r aras\u0131nda \u0259laq\u0259l\u0259r), h\u0259m d\u0259&nbsp;<strong>B2B<\/strong>&nbsp;(\u015firk\u0259tin ba\u015fqa \u015firk\u0259tl\u0259rl\u0259 \u0259laq\u0259l\u0259ri) sah\u0259sind\u0259 ixtisasla\u015fm\u0131\u015f texnoloji h\u0259ll\u0259r t\u0259tbiq olunur. B2C \u0259m\u0259liyyatlar\u0131ndan m\u00fc\u015ft\u0259ri xidm\u0259tl\u0259ri dem\u0259k olar ki, b\u00fct\u00fcnl\u00fckd\u0259 yeni texnoloji yenilikl\u0259rl\u0259 \u0259hat\u0259 olunaraq \u00e7atbotlar vasit\u0259sil\u0259 yerin\u0259 yetirilir. B2B \u0259m\u0259liyyatlar\u0131 aras\u0131nda idxal-ixrac prosedurlar\u0131 zaman\u0131 s\u0259n\u0259d d\u00f6vriyy\u0259si, vergi \u00f6d\u0259ni\u015fl\u0259rinin hesablanmas\u0131 v\u0259 elektron formada \u00f6d\u0259nilm\u0259si, beyn\u0259lxalq s\u0259viyy\u0259d\u0259 maliyy\u0259 tranzaksiyalar\u0131n h\u0259yata ke\u00e7irilm\u0259si kimi prosedurlar s\u00fcni intellekt v\u0259 blok\u00e7eyn texnologiyalar\u0131n\u0131n t\u0259tbiqi il\u0259 avtomatla\u015fd\u0131r\u0131l\u0131b.<\/p>\n\n\n\n<p>Maliyy\u0259 bazarlar\u0131 fintekl\u0259rinin qlobal trendl\u0259rin\u0259 misal olaraq mikro investisiya platformalar\u0131n\u0131, investisiya portfell\u0259rini idar\u0259 ed\u0259n robo-advisorlar\u0131 (robot-m\u0259sl\u0259h\u0259t\u00e7il\u0259r), elektron brokerl\u0259ri g\u00f6st\u0259rm\u0259k olar. S\u00fcni intellekt\u0259 \u0259saslanan mikro-investisiya platformalar\u0131 v\u0259 robo-advisorlar \u0259sas\u0259n AB\u015e bazar\u0131nda t\u0259tbiq olunurlar. Robo-advisorlar \u00f6d\u0259ni\u015fl\u0259rin, kreditl\u0259rin v\u0259 aktivl\u0259rin idar\u0259 olunmas\u0131n\u0131, investisiya istiqam\u0259tl\u0259rinin t\u0259yin olunmas\u0131n\u0131 m\u00fc\u015ft\u0259rinin risk tolerantl\u0131\u011f\u0131, g\u0259l\u0259c\u0259k planlar\u0131 v\u0259 g\u0259lir g\u00f6zl\u0259ntil\u0259rin\u0259 uy\u011fun olaraq h\u0259yata ke\u00e7irir. G\u00fcn\u00fcm\u00fcz\u00fcn \u0259n m\u0259\u015fhur robot m\u0259sl\u0259h\u0259t\u00e7il\u0259rin\u0259&nbsp;<strong>\u201cBetterment\u201d (2008-ci ild\u0259 yaranm\u0131\u015f ilk robo-advisor) v\u0259 \u201cWealthfront\u201d<\/strong>-u n\u00fcmun\u0259 olaraq g\u00f6st\u0259rm\u0259k olar. S\u00fcni intellektl\u0259 i\u015fl\u0259y\u0259n, AB\u015e v\u0259 B. Britaniyada t\u0259tbiq olunan broker is\u0259&nbsp;<strong>\u201cRobinhood\u201d<\/strong>&nbsp;adlan\u0131r.<\/p>\n\n\n\n<p>Son zamanlar investisiya siyas\u0259tinin v\u0259 se\u00e7iml\u0259rinin \u0259sas meyar\u0131 qlobal trend\u0259 \u00e7evrilmi\u015f&nbsp;<strong>\u0259traf-m\u00fchit v\u0259 sosial rifaha \u0259saslanan idar\u0259etm\u0259dir (ESG)<\/strong>. B\u00f6y\u00fck \u015firk\u0259tl\u0259r \u00f6z investisiya portfell\u0259rinin idar\u0259 olunmas\u0131nda m\u00fctl\u0259q \u015f\u0259kild\u0259 ESG prinsipin\u0259 \u0259saslan\u0131rlar. Bu meyar daha \u00e7ox m\u0259n\u0259vi xarakter da\u015f\u0131sa da m\u00fcasir d\u00f6vrd\u0259 investorlar \u00fc\u00e7\u00fcn h\u0259tta g\u0259lirlilikd\u0259n daha \u00f6nd\u0259 durur. T\u0259sad\u00fcfi deyil ki, 6.9 trilyon dollar d\u0259y\u0259rind\u0259 aktivl\u0259ri idar\u0259 ed\u0259n b\u00f6y\u00fck investisiya \u015firk\u0259ti \u201cBlack Rock\u201d-un CEO-su Larry Fink ESG investisiyalara verdiyi \u00f6n\u0259mi&nbsp;<strong>\u201ciqlim riski investisiya riskidir\u201d<\/strong>&nbsp;ifad\u0259l\u0259ri il\u0259 ictimaiyy\u0259t\u0259 a\u00e7\u0131qlay\u0131b. Bu istiqam\u0259td\u0259 d\u0259 fintek \u00f6z qatq\u0131s\u0131n\u0131 verib. Bel\u0259 ki, \u00f6t\u0259n il&nbsp;<strong>karbon emissiyas\u0131n\u0131 analiz ed\u0259n \u201cCarbon Delta\u201d,<\/strong>&nbsp;<strong>ESG m\u0259lumatlar\u0131n\u0131 analiz ed\u0259n \u201cSynTao Green Finance\u201d&nbsp;<\/strong>kimi texnoloji startaplar\u0131 yarad\u0131l\u0131b.<\/p>\n\n\n\n<p>Dig\u0259r g\u00fcn\u00fc-g\u00fcnd\u0259n populyarl\u0131\u011f\u0131 artan trend&nbsp;<strong>\u201cRegtech\u201d (t\u0259nziml\u0259m\u0259 texnologiyas\u0131) v\u0259 \u201cSuptech\u201ddir (idar\u0259etm\u0259 texnologiyas\u0131)<\/strong>. \u0130lk olaraq AB\u015e v\u0259 B\u00f6y\u00fck Britaniyada t\u0259tbiq olunan bu texnologiya son ill\u0259r dig\u0259r \u00f6lk\u0259l\u0259rd\u0259 d\u0259 t\u0259tbiq olunma\u011fa ba\u015flay\u0131b. Yaln\u0131z 2019-cu ild\u0259 bu sah\u0259y\u0259 yat\u0131r\u0131lan investisiyalar\u0131n h\u0259cminin iki d\u0259f\u0259d\u0259n \u00e7ox artd\u0131\u011f\u0131n\u0131 g\u00f6r\u0259 bil\u0259rik. Monitorinq v\u0259 qiym\u0259tl\u0259ndirm\u0259, audit, h\u00fcquqi normalara uy\u011funluq, m\u00fcvafiq planlar\u0131n icras\u0131na v\u0259 n\u0259tic\u0259l\u0259r\u0259 n\u0259zar\u0259t v\u0259 s. xidm\u0259tl\u0259ri avtomatla\u015fd\u0131r\u0131lm\u0131\u015f \u015f\u0259kild\u0259 h\u0259yata ke\u00e7ir\u0259n bu yeniliyin t\u0259tbiqinin 2020-ci ild\u0259 daha da artaca\u011f\u0131 proqnozla\u015fd\u0131r\u0131l\u0131r.<\/p>\n\n\n\n<p>Bir zamanlar y\u00fcks\u0259k populyarl\u0131q qazanan&nbsp;<strong>kriptovalyutalar<\/strong>a g\u0259ldikd\u0259 is\u0259, onlar \u00f6z aktuall\u0131\u011f\u0131n\u0131 itirs\u0259l\u0259r d\u0259, bazarda kriptovalyutalarla tranzaksiyalar\u0131n apar\u0131lmas\u0131 davam edir, eyni zamanda, onlar h\u0259l\u0259 d\u0259 investisiya m\u0259nb\u0259yi olaraq qiym\u0259tl\u0259ndirilirl\u0259r. Eyni zamanda, kriptovalyutalarla apar\u0131lan tranzaksiyalar\u0131n vergi \u00f6d\u0259ni\u015fl\u0259rinin m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si, kripto investisiya portfell\u0259rinin idar\u0259 olunmas\u0131 kimi funksiyalar\u0131 yerin\u0259 yetir\u0259n \u201cZenledger\u201d v\u0259 \u201cTAXbit\u201d, kriptovalyuta v\u0259 \u0259n\u0259n\u0259vi maliyy\u0259 hesablar\u0131 aras\u0131nda k\u00f6rp\u00fc rolunu oynayan&nbsp;<strong>\u201cVERADY\u201d<\/strong>&nbsp;startaplar\u0131 da yarad\u0131l\u0131b.<\/p>\n\n\n\n<p>\u00d6t\u0259n il&nbsp;<strong>da\u015f\u0131nmaz \u0259mlak<\/strong>&nbsp;bazar\u0131n\u0131n fintekl\u0259rin\u0259 yat\u0131r\u0131lan investisiyalar\u0131n h\u0259cmi d\u0259 \u00f6nc\u0259ki ill\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 art\u0131b. Da\u015f\u0131nmaz \u0259mlak sah\u0259sind\u0259 m\u0259lumat bazas\u0131n\u0131n idar\u0259 olunmas\u0131, bazar ara\u015fd\u0131rmalar\u0131n\u0131n apar\u0131lmas\u0131 kimi funksiyalar\u0131 s\u00fcni intellekt\u0259 \u0259saslanaraq yerin\u0259 yetir\u0259n 60 milyon dollar d\u0259y\u0259rind\u0259&nbsp;<strong>\u201cReonomy\u201d<\/strong>, qiym\u0259tl\u0259ndirm\u0259 v\u0259 anderraytinq \u0259m\u0259liyyatlar\u0131n\u0131 h\u0259yata ke\u00e7ir\u0259n&nbsp;<strong>\u201cCherre\u201d<\/strong>, m\u00fclkiyy\u0259ti avtomatik qiym\u0259tl\u0259ndir\u0259n&nbsp;<strong>\u201cBowery\u201d v\u0259&nbsp;<\/strong>dig\u0259r bu kimi&nbsp; startaplar investorlar\u0131n mara\u011f\u0131n\u0131 c\u0259lb ed\u0259 bilib. Bu sah\u0259d\u0259 Marketplace (qar\u015f\u0131 t\u0259r\u0259fl\u0259ri bir araya g\u0259tir\u0259n ticar\u0259t platformas\u0131) rolunu oynayan fintekl\u0259r d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259rir (\u201cPeerStreet\u201d,\u201dRoofstock\u201d, \u201cQualia\u201d, \u201cStates title\u201d, v\u0259 s). Bu platformalar\u0131n k\u00f6m\u0259yi il\u0259 da\u015f\u0131nmaz \u0259mlak bazar\u0131nda maraql\u0131 t\u0259r\u0259fl\u0259rin \u0259laq\u0259l\u0259ndirilm\u0259si daha asan v\u0259 \u00e7evik, eyni zamanda, apar\u0131lan \u0259m\u0259liyyatlar da daha s\u00fcr\u0259tli v\u0259 az riskli olur.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><em>M\u00fc\u0259yy\u0259n yana\u015fmalara g\u00f6r\u0259 fintekin inki\u015faf\u0131n\u0131n i\u015fsizliyin artmas\u0131na t\u0259kan verdiyi iddia olunur. Bu yana\u015fma n\u0259 d\u0259r\u0259c\u0259d\u0259 do\u011frudur?<\/em><\/strong><\/li><\/ul>\n\n\n\n<p>Kommersiya f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olan \u015firk\u0259tl\u0259rin \u0259sas prioriteti x\u0259rcl\u0259rin azald\u0131lmas\u0131 v\u0259 g\u0259lirl\u0259rin art\u0131r\u0131lmas\u0131d\u0131r. Bu prinsipin t\u0259tbiqi dayan\u0131ql\u0131l\u0131qla m\u00fc\u015fayi\u0259t olunduqda, dem\u0259li, &nbsp;\u015firk\u0259t \u00f6z f\u0259aliyy\u0259tini komfort zonada davam edir. \u018flb\u0259tt\u0259 ki, daha az x\u0259rcl\u0259 \u00e7ox g\u0259lir g\u0259tir\u0259n v\u0259 stabil f\u0259aliyy\u0259ti il\u0259 dayan\u0131ql\u0131l\u0131\u011f\u0131 t\u0259min ed\u0259n s\u00fcni intellektin t\u0259tbiqi insanlara ehtiyac\u0131 azald\u0131r. Lakin realda s\u00fcni intellektin t\u0259tbiqinin t\u0259siri daha \u00e7ox \u0259m\u0259k resurslar\u0131n\u0131n ixtisar\u0131 il\u0259 deyil, yeni bazarlar\u0131n \u0259hat\u0259 olunmas\u0131 v\u0259 f\u0259aliyy\u0259tin geni\u015fl\u0259ndirilm\u0259si il\u0259 m\u00fc\u015fahid\u0259 olunur.&nbsp;<strong>S\u00fcni intellektin texniki \u0259m\u0259liyyatlar\u0131 h\u0259yata ke\u00e7irdiyi anda paralel olaraq insanlar daha spesifik, rasional deyil, emosional yana\u015fma t\u0259l\u0259b ed\u0259n \u0259m\u0259liyyatlara c\u0259lb olunaraq texnologiya il\u0259 tandem \u015f\u0259klind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259 v\u0259 inki\u015faf\u0131 daha da \u00fcst s\u0259viyy\u0259y\u0259 apara bil\u0259rl\u0259r.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><em>Az\u0259rbaycanda fintekl\u0259rin cari v\u0259ziyy\u0259tini nec\u0259 qiym\u0259tl\u0259ndirm\u0259k olar?<\/em><\/strong><\/li><\/ul>\n\n\n\n<p>C\u0259nab Prezident \u0130lham \u018fliyevin r\u0259hb\u0259rliyil\u0259 iqtisadiyyat\u0131n innovativ inki\u015faf\u0131, o c\u00fcml\u0259d\u0259n r\u0259q\u0259msal h\u0259ll\u0259rin geni\u015f t\u0259tbiqi t\u0259min edilmi\u015fdir. Az\u0259rbaycanda maliyy\u0259 texnologiyalar\u0131n\u0131n t\u0259tbiqi ayr\u0131-ayr\u0131 \u015firk\u0259tl\u0259rin, x\u00fcsus\u0259n banklar\u0131n v\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rinin t\u0259\u015f\u0259bb\u00fcs\u00fc il\u0259 ild\u0259n-il\u0259 daha \u00e7ox artmaqdad\u0131r.&nbsp;<strong>Mobil v\u0259 r\u0259q\u0259msal bank\u00e7\u0131l\u0131q<\/strong>&nbsp;dem\u0259k olar ki, b\u00fct\u00fcn banklar t\u0259r\u0259find\u0259n t\u0259tbiq olunur. S\u00fcni intellekt\u0259 \u0259saslanan proqram t\u0259minatlar\u0131, m\u00fc\u015ft\u0259ri xidm\u0259tl\u0259rini h\u0259yata ke\u00e7ir\u0259n&nbsp;<strong>\u00e7atbotlar&nbsp;<\/strong>da b\u0259zi banklar (Pa\u015faBank, Rabit\u0259Bank, VTB v\u0259 s) v\u0259 \u00f6z\u0259l \u015firk\u0259tl\u0259r (Technote,) t\u0259r\u0259find\u0259n m\u00fc\u015ft\u0259ril\u0259rin istifad\u0259sin\u0259 verilib. B\u0259zi \u015firk\u0259tl\u0259rin onlayn kredit t\u0259minat\u0131n\u0131 h\u0259yata ke\u00e7ir\u0259n (Azercell-in Simbrella proqram\u0131n\u0131n Simkredit xidm\u0259ti), mobil operatorlar\u0131n balans\u0131 il\u0259 kommunal \u00f6d\u0259ni\u015fl\u0259rin \u00f6d\u0259nilm\u0259sini t\u0259min ed\u0259n texnoloji h\u0259ll\u0259rini d\u0259 misal g\u00f6st\u0259rm\u0259k olar. Bundan ba\u015fqa,&nbsp;<strong>\u015f\u0259xsi maliyy\u0259 resurslar\u0131n\u0131 idar\u0259 ed\u0259n<\/strong>&nbsp;\u201cX\u0259rcl\u0259rim\u201d v\u0259 \u201cBankoff.co\u201d,&nbsp;<strong>ki\u00e7ik v\u0259 orta sahibkarl\u0131q subyektl\u0259rini bir araya g\u0259tir\u0259n<\/strong>&nbsp;\u201cBotbox\u201d,&nbsp;<strong>m\u00fcxt\u0259lif t\u0259yinatl\u0131 robotlar\u0131n haz\u0131rlanmas\u0131n\u0131 h\u0259yata ke\u00e7ir\u0259n<\/strong>&nbsp;v\u0259 tamamil\u0259 onlayn f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n \u201cBNB Dynamics\u201d kimi fintek startaplar\u0131 da yarad\u0131l\u0131b.<\/p>\n\n\n\n<p>Fintekl\u0259rin \u00e7oxunun s\u00fcni intellekt\u0259 \u0259saslanmas\u0131n\u0131 n\u0259z\u0259r\u0259 alaraq \u00f6lk\u0259mizd\u0259 bu sah\u0259d\u0259 cari v\u0259ziyy\u0259ti \u201cOxford Insights\u201d-\u0131n&nbsp;<strong>\u201cS\u00fcni intellekt idar\u0259etm\u0259sin\u0259 haz\u0131rl\u0131q indeksi\u201d<\/strong>n\u0259 g\u00f6r\u0259 d\u0259 qiym\u0259tl\u0259ndirm\u0259k olar. 2019-cu il hesabat\u0131na g\u00f6r\u0259&nbsp;<strong>Az\u0259rbaycan 64-c\u00fc pill\u0259d\u0259 yer al\u0131b.<\/strong>&nbsp;Bu g\u00f6st\u0259riciy\u0259 \u0259sas\u0259n \u00f6lk\u0259miz qon\u015fu \u00f6lk\u0259l\u0259rd\u0259n \u0130ran (72-ci yer),&nbsp;G\u00fcrc\u00fcstan (76-c\u0131 yer), v\u0259 Erm\u0259nistandan&nbsp;(81-ci yer)&nbsp;daha \u00f6nd\u0259dir.&nbsp;\u0130ndeks\u0259 \u0259sas\u0259n s\u00fcni intellektin t\u0259tbiqin\u0259 g\u00f6r\u0259 lider \u00f6lk\u0259l\u0259r is\u0259&nbsp;Sinqapur, Almaniya&nbsp;v\u0259&nbsp;B\u00f6y\u00fck Britaniyad\u0131r. \u0130ndeksin qiym\u0259tl\u0259ndirm\u0259 meyarlar\u0131 idar\u0259etm\u0259nin m\u00f6vcud v\u0259ziyy\u0259ti (qanunlar\u0131n v\u0259 strategiyan\u0131n&nbsp;m\u00f6vcudlu\u011fu), s\u00fcni intellektin t\u0259tbiqi \u00fc\u00e7\u00fcn infrastrukturun s\u0259viyy\u0259si, m\u00fcvafiq istiqam\u0259td\u0259 t\u0259hsil v\u0259 bacar\u0131qlar, eyni zamanda, s\u00fcni intellekt sah\u0259sind\u0259 d\u00f6vl\u0259t xidm\u0259tl\u0259rin\u0259 \u0259saslan\u0131r.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><em>Bu sah\u0259d\u0259 \u00e7a\u011f\u0131r\u0131\u015f v\u0259 perspektivl\u0259ri n\u0259l\u0259rdir?<\/em><\/strong><\/li><\/ul>\n\n\n\n<p>\u00d6lk\u0259mizin s\u00fcr\u0259tli inki\u015fafa meyilliliyinin y\u00fcks\u0259k olmas\u0131 yeni texnoloji d\u0259yi\u015fiklikl\u0259rin daha rahat m\u0259nims\u0259nilm\u0259si v\u0259 geni\u015f t\u0259tbiq olunmas\u0131n\u0131 t\u0259min edir. Bu da Az\u0259rbaycan\u0131n fintek sah\u0259sinin inki\u015faf\u0131 bax\u0131m\u0131ndan b\u00f6y\u00fck potensiala sahib oldu\u011funu d\u00fc\u015f\u00fcnm\u0259y\u0259 imkan verir. Haz\u0131rda m\u00f6vcud fintekl\u0259rin dar spektrd\u0259 olmas\u0131 bu bazarda bir \u00e7ox istiqam\u0259td\u0259 fintekl\u0259rin yarad\u0131lmas\u0131 perspektivinin m\u00f6vcudlu\u011funu g\u00f6st\u0259rir. Misal olaraq s\u0131\u011forta v\u0259 da\u015f\u0131nmaz \u0259mlak sah\u0259l\u0259rinin fintekl\u0259ri yarad\u0131la bil\u0259r. Eyni zamanda, qlobal trend olan \u201cregtech\u201d v\u0259 \u201csuptech\u201d texnologiyalar\u0131n\u0131n t\u0259tbiqi d\u0259 n\u0259z\u0259rd\u0259n ke\u00e7iril\u0259 bil\u0259r.<\/p>\n\n\n\n<p>Fintekin inki\u015faf\u0131nda bir ne\u00e7\u0259 istiqam\u0259td\u0259 \u00e7a\u011f\u0131r\u0131\u015flar\u0131n oldu\u011funu da m\u00fc\u015fahid\u0259 etm\u0259k m\u00fcmk\u00fcnd\u00fcr. \u0130lk n\u00f6vb\u0259d\u0259 r\u0259q\u0259msalla\u015fmaya ke\u00e7idin tam t\u0259min olunmamas\u0131n\u0131 qeyd etm\u0259k laz\u0131md\u0131r. Bel\u0259 ki, na\u011fd pullar\u0131n istifad\u0259si il\u0259 fintekin inki\u015faf\u0131n\u0131n t\u0259rs m\u00fct\u0259nasib oldu\u011funu hesab etm\u0259k olar. Bu ilk n\u00f6vb\u0259d\u0259 insanlar\u0131n d\u00fc\u015f\u00fcnc\u0259 t\u0259rzind\u0259n v\u0259 v\u0259rdi\u015fl\u0259rind\u0259n ir\u0259li g\u0259lir. \u0130nfrastrukturun inki\u015faf\u0131 da \u0259lb\u0259tt\u0259 ki, az rol oynam\u0131r. M\u0259hz bu bax\u0131mdan r\u0259q\u0259msalla\u015fmaya ke\u00e7id sistem \u015f\u0259klind\u0259 paralel olaraq t\u0259tbiq olunaraq domino effekti il\u0259 fintek sah\u0259sind\u0259 yeni ideyalar\u0131n yaranmas\u0131na, startaplar\u0131n say\u0131n\u0131n artmas\u0131na t\u0259l\u0259b yaradacaq, bu da \u00f6z n\u00f6vb\u0259sind\u0259 fintekin inki\u015faf\u0131na t\u0259kan ver\u0259c\u0259k. \u0130nnovativ ideyalara g\u0259ldikd\u0259 t\u0259klifin t\u0259l\u0259bi yaratma g\u00fcc\u00fcn\u00fcn y\u00fcks\u0259k olmas\u0131n\u0131 n\u0259z\u0259r\u0259 alaraq startaplar\u0131n da t\u0259\u015f\u0259bb\u00fcskarl\u0131\u011f\u0131 sah\u0259nin inki\u015faf\u0131na g\u0259tirib \u00e7\u0131xara bil\u0259r. Bu bax\u0131mdan texnoloji bilikl\u0259rin art\u0131r\u0131lmas\u0131, bu istiqam\u0259td\u0259 g\u00fccl\u00fc kadrlar\u0131n, x\u00fcsusil\u0259, m\u00fc\u0259lliml\u0259rin haz\u0131rlanmas\u0131 \u00e7ox \u00f6n\u0259mlidir.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><em>Az\u0259rbaycanda fintekin daha da inki\u015faf\u0131 \u00fc\u00e7\u00fcn hans\u0131 t\u0259dbirl\u0259r g\u00f6r\u00fcl\u00fcr?<\/em><\/strong><\/li><\/ul>\n\n\n\n<p>Az\u0259rbaycanda son ill\u0259r \u0259rzind\u0259 fintekl\u0259rin inki\u015faf\u0131n\u0131n stimulla\u015fd\u0131r\u0131lmas\u0131 m\u0259qs\u0259di il\u0259 bir s\u0131ra t\u0259dbirl\u0259r g\u00f6r\u00fclm\u0259kd\u0259dir. Fintekin inki\u015faf\u0131na birba\u015fa t\u0259siri olan \u0259sas m\u0259s\u0259l\u0259 r\u0259q\u0259msalla\u015fmaya ke\u00e7idin s\u00fcr\u0259tl\u0259ndirilm\u0259si v\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin h\u0259cminin art\u0131r\u0131lmas\u0131d\u0131r. Bu istiqam\u0259td\u0259 c\u0259nab Prezident t\u0259r\u0259find\u0259n t\u0259sdiql\u0259nmi\u015f&nbsp;<strong>\u201c2018-2020-ci ill\u0259rd\u0259 Az\u0259rbaycan Respublikas\u0131nda r\u0259q\u0259msal \u00f6d\u0259ni\u015fl\u0259rin geni\u015fl\u0259ndirilm\u0259sin\u0259 dair D\u00f6vl\u0259t Proqram\u0131\u201d&nbsp;<\/strong>h\u0259m h\u00fcquqi bazan\u0131n, h\u0259m d\u0259 infrastrukturun yax\u015f\u0131la\u015fd\u0131r\u0131lmas\u0131, eyni zamanda, ictimai m\u0259lumatl\u0131\u011f\u0131n art\u0131r\u0131lmas\u0131 v\u0259 t\u0259bli\u011fat-t\u0259\u015fviqat i\u015fl\u0259rinin apar\u0131lmas\u0131 t\u0259dbirl\u0259rini \u00f6z\u00fcnd\u0259 ehtiva etm\u0259kl\u0259 r\u0259q\u0259msal ekosistemin yax\u015f\u0131la\u015fd\u0131r\u0131lmas\u0131 bax\u0131m\u0131ndan \u00e7ox \u00f6n\u0259mli hesab olunur. B\u00fct\u00fcn aidiyy\u0259ti qurumlar\u0131n icra\u00e7\u0131 olaraq c\u0259lb olundu\u011fu bu proqram \u00fczr\u0259 i\u015fl\u0259rin apar\u0131lmas\u0131 davam etm\u0259kd\u0259dir v\u0259 ilin sonuna m\u00fcvafiq sah\u0259d\u0259 pozitiv d\u0259yi\u015fiklikl\u0259ri proqnozla\u015fd\u0131rma\u011fa imkan verir.<\/p>\n\n\n\n<p>Startaplar\u0131n inki\u015faf\u0131n\u0131 stimulla\u015fd\u0131rmaq m\u0259qs\u0259di il\u0259 d\u0259 m\u00fc\u0259yy\u0259n i\u015fl\u0259r g\u00f6r\u00fcl\u00fcb. Bel\u0259 ki,onlara biznes planlar\u0131n haz\u0131rlanmas\u0131 v\u0259 r\u0259smil\u0259\u015fdirm\u0259 \u0259m\u0259liyyatlar\u0131n\u0131n apar\u0131lmas\u0131nda yard\u0131m ed\u0259n, mentorluq, konsaltinq xidm\u0259tl\u0259ri g\u00f6st\u0259r\u0259n&nbsp;<strong>inkubator v\u0259 akseleratorlar<\/strong>, eyni zamanda,&nbsp;<strong>ideya v\u0259 layih\u0259l\u0259rin elektron bazas\u0131<\/strong>&nbsp;olan \u201cEnterpriseAzerbaijan Portal\u0131\u201d yarad\u0131lm\u0131\u015fd\u0131r.<\/p>\n\n\n\n<p>Stanford Universitetinin \u201cS\u00fcni intellekt Hesabat\u0131\u201dna \u0259sas\u0259n ictimai m\u0259lumatl\u0131l\u0131\u011f\u0131n v\u0259 maarifl\u0259ndirm\u0259 t\u0259dbirl\u0259rinin art\u0131r\u0131lmas\u0131, startaplar\u0131n motivasiyas\u0131n\u0131n y\u00fcks\u0259ldilm\u0259si, investorlar v\u0259 layih\u0259 sahibl\u0259rinin g\u00f6r\u00fc\u015fd\u00fcr\u00fclm\u0259si, layih\u0259l\u0259r bar\u0259d\u0259 m\u0259lumatl\u0131l\u0131\u011f\u0131n art\u0131r\u0131lmas\u0131 kimi kommunikasiya m\u0259s\u0259l\u0259l\u0259rid\u0259 s\u00fcni intellektin t\u0259tbiqi v\u0259 fintekin inki\u015faf\u0131 istiqam\u0259tind\u0259\u00e7ox \u0259h\u0259miyy\u0259tli hesab olunur. Bu m\u0259qs\u0259dl\u0259 Az\u0259rbaycanda h\u0259r il&nbsp;<strong>Fintek Sammiti<\/strong>&nbsp;v\u0259 bu z\u0259mind\u0259n olan m\u00fcxt\u0259lif konfranslar ke\u00e7irilir. Bu t\u0259dbirl\u0259r real platforma rolunu oynayaraq qar\u015f\u0131l\u0131ql\u0131 maraql\u0131 t\u0259r\u0259fl\u0259rin g\u00f6r\u00fc\u015fd\u00fcr\u00fclm\u0259sin\u0259 xidm\u0259t edir.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Bu il may\u0131n 14-15-d\u0259 Bak\u0131da &#8220;FinTek Sammit 2020&#8221; &#8211; maliyy\u0259 v\u0259 texnologiyalar s\u0259rgisi ke\u00e7iril\u0259c\u0259k. Bu bar\u0259d\u0259 n\u0259 dey\u0259 bil\u0259rsiniz?<\/strong><\/li><\/ul>\n\n\n\n<p>Bu ilki sammitin m\u00f6vzusu \u201cBank\u00e7\u0131l\u0131q v\u0259 \u00f6d\u0259ni\u015f ekosistemind\u0259 yeni trendl\u0259r: innovativ h\u0259ll\u0259r, maliyy\u0259 texnologiyalar\u0131 v\u0259 t\u0259hl\u00fck\u0259sizlik\u201d olacaq. T\u0259dbir \u201cVisa\u201dn\u0131n t\u0259r\u0259fda\u015fl\u0131\u011f\u0131, Az\u0259rbaycan Banklar Assosiasiyas\u0131, Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131, N\u0259qliyyat, Rabit\u0259 v\u0259 Y\u00fcks\u0259k Texnologiyalar Nazirliyi v\u0259 \u0130qtisadi \u0130slahatlar\u0131n T\u0259hlili v\u0259 Kommunikasiya M\u0259rk\u0259zinin d\u0259st\u0259yi il\u0259 ke\u00e7irilir.<\/p>\n\n\n\n<p>Sammit maliyy\u0259 texnologiyalar\u0131, r\u0259q\u0259msalla\u015fma, \u00f6d\u0259ni\u015fl\u0259r ekosistemi sah\u0259sind\u0259 yeni v\u0259 qar\u015f\u0131dan g\u0259l\u0259n trendl\u0259r il\u0259 ba\u011fl\u0131 fikir v\u0259 t\u0259cr\u00fcb\u0259 m\u00fcbadil\u0259si \u00fc\u00e7\u00fcn platforma m\u0259qs\u0259di da\u015f\u0131yacaq. Bu platforma yeni maliyy\u0259 v\u0259 bank\u00e7\u0131l\u0131q m\u0259hsullar\u0131n\u0131n, innovativ \u00f6d\u0259m\u0259 h\u0259ll\u0259rinin, r\u0259q\u0259msal valyutalar\u0131n, banklar v\u0259 fintekl\u0259rin \u0259m\u0259kda\u015fl\u0131q imkanlar\u0131n\u0131n v\u0259 bel\u0259 yeni texnologiyalar\u0131n geni\u015f v\u00fcs\u0259t almas\u0131 il\u0259 paralel yarana bil\u0259c\u0259k t\u0259hl\u00fck\u0259sizlik \u00e7a\u011f\u0131r\u0131\u015flar\u0131n\u0131n m\u00fczakir\u0259sin\u0259 imkan yaradan m\u0259kand\u0131r. Bura h\u0259m d\u0259 bu c\u00fcr yeni m\u0259hsul v\u0259 xidm\u0259tl\u0259r \u00fc\u00e7\u00fcn h\u00fcquqi bazan\u0131n yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 \u0259n yax\u015f\u0131 t\u0259cr\u00fcb\u0259l\u0259rin n\u0259z\u0259rd\u0259n ke\u00e7irildiyi v\u0259 bu prosesl\u0259rin maliyy\u0259 dayan\u0131ql\u0131l\u0131\u011f\u0131, maliyy\u0259 inkl\u00fczivliyinin m\u00f6hk\u0259ml\u0259ndirilm\u0259sin\u0259 v\u0259 m\u00fc\u015ft\u0259ri m\u0259mnuniyy\u0259tin\u0259 g\u00f6st\u0259rdiyi t\u0259sirin \u00f6yr\u0259nildiyi yerdir. Sammitd\u0259 d\u00f6vl\u0259t-\u00f6z\u0259l dialoqu ba\u015f tutacaq.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>D\u00fcnyada startaplar\u0131n maliyy\u0259l\u0259\u015fdirm\u0259 mexanizml\u0259rinin \u0259sas trendl\u0259ri bar\u0259d\u0259 n\u0259 dem\u0259k olar?<\/strong><\/li><\/ul>\n\n\n\n<p>Qlobal \u015f\u0259b\u0259k\u0259 v\u0259 data platformas\u0131 olan \u201cCB \u0130nsights\u201d \u201cbig\u201d data \u015firk\u0259ti, \u201cD\u00fcnyan\u0131 d\u0259yi\u015f\u0259n \u015firk\u0259tl\u0259r 2020\u201d adl\u0131 hesabat d\u0259rc edib. D\u00fcnyan\u0131 d\u0259yi\u015fm\u0259 potensial\u0131 olan 36 \u015firk\u0259td\u0259n t\u0259kc\u0259 23-\u00fc ya Birl\u0259\u015fmi\u015f \u015etatlarda qurulub v\u0259 yaxud sonradan ora k\u00f6\u00e7\u00fcb. Bu bir daha Birl\u0259\u015fmi\u015f \u015etatlar\u0131n qlobal m\u00fcst\u0259vid\u0259 \u0259n qabaqc\u0131l innovasiya ekosistemin\u0259 malik oldu\u011funun g\u00f6st\u0259ricisidir. Bunun n\u0259tic\u0259sidir ki, dig\u0259r \u00f6lk\u0259l\u0259rd\u0259 t\u0259sis olunan innovativ layih\u0259l\u0259rin \u0259ks\u0259riyy\u0259ti n\u0259h\u0259ng bazar imkanlar\u0131ndan v\u0259 \u015f\u0259b\u0259k\u0259l\u0259\u015fm\u0259 diapazonundan yararlanmaq \u00fc\u00e7\u00fcn Birl\u0259\u015fmi\u015f \u015etatlara \u00fcz tuturlar v\u0259 \u0259hat\u0259 dair\u0259l\u0259rini geni\u015fl\u0259ndirm\u0259k \u00fc\u00e7\u00fcn bu \u00f6lk\u0259nin ekosistemind\u0259n faydalan\u0131rlar. Bundan \u0259lav\u0259 hesabatda dig\u0259r \u00f6lk\u0259l\u0259rin s\u0131ras\u0131nda Kanada, \u0130srail, \u0130sve\u00e7, Sinqapur v\u0259 Birl\u0259\u015fmi\u015f Krall\u0131q yer al\u0131b. Onu da n\u0259z\u0259riniz\u0259 \u00e7atd\u0131r\u0131m ki, 200-d\u0259n art\u0131q unikal investor qeyd etdiyim 36 \u015firk\u0259t\u0259 investisiya edib v\u0259 h\u0259tta 20 investor layih\u0259l\u0259rin s\u0131ras\u0131ndan paralel olaraq bir ne\u00e7\u0259sin\u0259 yat\u0131r\u0131m edib. Buna g\u00f6r\u0259 d\u0259 EnterpriseAzerbaijan.com, \u0130noland v\u0259 ba\u015fqa inkubator v\u0259 akseleratorlar\u0131m\u0131z startaplar\u0131m\u0131z\u0131 qlobal bazarlara haz\u0131rlay\u0131rlar.<\/p>\n\n\n\n<p>D\u00fcnyada startaplarda \u0130KT-nin t\u0259tbiqi \u00f6nd\u0259dir. B\u0259s \u0130KT-n\u0131n m\u0259hz hans\u0131 sah\u0259l\u0259ri \u00fczr\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n m\u00fc\u0259ssis\u0259l\u0259r \u201cD\u00fcnyan\u0131 d\u0259yi\u015f\u0259n\u201d ad\u0131na layiq g\u00f6r\u00fcl\u00fcb? Dem\u0259li, 12 kateqoriya \u00fczr\u0259 b\u00f6l\u00fcnm\u00fc\u015f siyah\u0131da \u00e7oxlu\u011fu s\u0259hiyy\u0259 v\u0259 tibb sektoruna t\u00f6hf\u0259 ver\u0259c\u0259k kateqoriyalar t\u0259\u015fkil edir. G\u0259lin bir ne\u00e7\u0259sin\u0259 n\u0259z\u0259r salaq: S\u00fcni intellekt\u0259 \u0259saslanan z\u00fclal proqnozla\u015fd\u0131rmas\u0131, kimy\u0259vi d\u0259rmanlar\u0131 \u0259v\u0259z ed\u0259c\u0259k elektro-impuls terapiya, mikrobiomlar\u0131n utilizasiyas\u0131, psixi v\u0259 ruhi x\u0259st\u0259likl\u0259rin o c\u00fcml\u0259d\u0259n \u0259qli v\u0259 zehni \u00e7at\u0131\u015fmazl\u0131qlar\u0131n ziyans\u0131z v\u0259 asud\u0259lik yaratmayan vasit\u0259l\u0259rl\u0259 m\u00fcalic\u0259si, h\u0259m insanlara, h\u0259m d\u0259 s\u0259hiyy\u0259nin inki\u015faf\u0131na faydal\u0131 olan genetik m\u0259lumatlar\u0131n etibarl\u0131 m\u00fcbadil\u0259sini t\u0259\u015fkil ed\u0259n DNT m\u0259lumat bazarlar\u0131 v\u0259 s. Dig\u0259r kateqoriyalara n\u0259z\u0259r salsaq burada s\u00fcni intellekt, kvant kriptoqrafiyas\u0131, karbon qaz\u0131 emissiyalar\u0131n\u0131n smart idar\u0259 olunmas\u0131, yeni n\u0259sil n\u00fcv\u0259 enerjisi texnologiyalar\u0131 v\u0259 i\u015f\u0131q-s\u00fcr\u0259tli mikro\u00e7ipl\u0259r yer al\u0131r. Bunlardan daha \u00e7ox maraq do\u011furan i\u015f\u0131q-s\u00fcr\u0259tli mikro\u00e7ipl\u0259rin yarad\u0131lmas\u0131d\u0131r. D\u00fc\u015f\u00fcn\u00fcn, foton texnologiyas\u0131na \u0259saslanan misli g\u00f6r\u00fcnm\u0259mi\u015f \u0259m\u0259liyyat g\u00fcc\u00fcn\u0259 malik prosessor. \u201cBig Data\u201d-n\u0131n h\u00f6km s\u00fcrd\u00fcy\u00fc bir d\u00f6vrd\u0259 yeni n\u0259sil komp\u00fcterl\u0259r daha yuxar\u0131 s\u00fcr\u0259t v\u0259 daha y\u00fcks\u0259k \u0259m\u0259liyyat g\u00fcc\u00fc t\u0259l\u0259b edir. Siyah\u0131da bu kateqoriyaya daxil olan v\u0259 haz\u0131rda bu istiqam\u0259td\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n \u015firk\u0259tl\u0259r mikro\u00e7ipl\u0259rd\u0259 elektrik-elektron transmissiyas\u0131n\u0131n optik-foton transmissiyas\u0131 il\u0259 \u0259v\u0259zl\u0259nm\u0259si \u00fcz\u0259rind\u0259 \u00e7al\u0131\u015f\u0131rlar. Bizim startaplar\u0131m\u0131z da d\u00fcnya trendl\u0259rin\u0259 uy\u011fun olaraq texnoloji v\u0259 sosial y\u00f6n\u00fcml\u00fc layih\u0259l\u0259r\u0259 daha \u00e7ox \u00fcst\u00fcnl\u00fck verm\u0259lidirl\u0259r.<\/p>\n\n\n\n<p>Qlobal startap iqtisadiyyat\u0131 2016-2018-ci ill\u0259r aras\u0131nda 2.8 trilyon dollar d\u0259y\u0259r yarad\u0131b. Bu g\u00f6st\u0259rici \u0259vv\u0259lki d\u00f6vrd\u0259n 20,6% daha \u00e7ox art\u0131m v\u0259 be\u015f il \u0259vv\u0259lkind\u0259n is\u0259 iki d\u0259f\u0259 \u00e7ox art\u0131m dem\u0259kdir. 2018-ci ild\u0259 on illiyin \u0259n y\u00fcks\u0259k g\u00f6st\u0259ricisi \u2013 toplam olaraq 220 milyard AB\u015e dollar\u0131 d\u0259y\u0259rind\u0259 ven\u00e7ur kapital investisiyalar olunub. Ekosistemin m\u0259rk\u0259zl\u0259\u015fdiyi co\u011frafiyadan dan\u0131\u015fsaq, h\u0259r zaman ikinci Silikon Vadisinin harada olaca\u011f\u0131 aktual m\u00f6vzu olub. Amma haz\u0131rki v\u0259ziyy\u0259t v\u0259 inki\u015faf onu g\u00f6st\u0259rir ki, ikinci Silikon Vadisi olmayacaq, \u0259ksin\u0259, 2-d\u0259n qat-qat art\u0131q, 30-a q\u0259d\u0259r Silikon Vadisi kimi ekosisteml\u0259rin formala\u015faca\u011f\u0131 \u015f\u00fcbh\u0259 do\u011furmur. Bu hablar b\u00fct\u00fcn planet \u00fczr\u0259 ya regional olaraq m\u0259rk\u0259zl\u0259r kimi, ya da sub-sektorlar olaraq spesifik sah\u0259l\u0259rd\u0259 yay\u0131lacaq. Do\u011frudur, yax\u0131n g\u0259l\u0259c\u0259kd\u0259 bu hablar\u0131n he\u00e7 birinin Silikon Vadisi q\u0259d\u0259r b\u00f6y\u00fck olaca\u011f\u0131 g\u00f6zl\u0259nilmir, amma h\u0259r biri \u0259h\u0259miyy\u0259tli \u015f\u0259kild\u0259 intensiv inki\u015faf ed\u0259c\u0259k. Az\u0259rbaycan\u0131n da x\u00fcsus\u0259n e-ticar\u0259t v\u0259 s\u0259rh\u0259dl\u0259raras\u0131 data ax\u0131nlar\u0131 \u00fczr\u0259 ixtisasla\u015fmas\u0131, h\u0259tta haba \u00e7evrilm\u0259si potensial\u0131 var. T\u0259sad\u00fcfi deyil ki, 4-c\u00fc S\u0259naye \u0130nqilab\u0131 M\u0259rk\u0259zinin regional qurumu Az\u0259rbaycanda olacaq v\u0259 UNESCAP-\u0131n hesablamalar\u0131na g\u00f6r\u0259 Az\u0259rbaycan Avropadan \u00c7in\u0259 q\u0259d\u0259r geni\u015f bir co\u011frafiyada e-ticar\u0259tin lideridir.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Az\u0259rbaycanda startap h\u0259r\u0259kat\u0131na veril\u0259n d\u0259st\u0259k bar\u0259d\u0259 n\u0259 dem\u0259k olar?<\/strong><\/li><\/ul>\n\n\n\n<p>Bu sah\u0259 \u00f6lk\u0259 r\u0259hb\u0259rinin daim diqq\u0259t m\u0259rk\u0259zind\u0259dir. \u201cVergi M\u0259c\u0259ll\u0259si\u201dn\u0259 \u0259sas\u0259n Az\u0259rbaycanda mikro v\u0259 ya ki\u00e7ik sahibkarl\u0131q subyekti olan v\u0259 h\u00fcquqi \u015f\u0259xs kimi f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n startaplar \u201cStartap\u201d \u015f\u0259had\u0259tnam\u0259si ald\u0131\u011f\u0131 tarixd\u0259n innovasiya f\u0259aliyy\u0259tind\u0259n \u0259ld\u0259 etdikl\u0259ri m\u0259nf\u0259\u0259ti 3 il m\u00fcdd\u0259tin\u0259 vergid\u0259n azad olunur. Az\u0259rbaycanda 20-d\u0259n \u00e7ox inkubasiya v\u0259 akselerasiya m\u0259rk\u0259zl\u0259ri f\u0259aliyy\u0259t g\u00f6st\u0259rir. Bunlar\u0131n s\u0131ras\u0131nda h\u0259m d\u00f6vl\u0259t h\u0259m d\u0259 \u00f6z\u0259l sektor t\u0259r\u0259find\u0259n t\u0259sis olunan m\u0259rk\u0259zl\u0259r yer al\u0131b. H\u0259m\u00e7inin d\u00f6vl\u0259t-\u00f6z\u0259l \u0259m\u0259kda\u015fl\u0131\u011f\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n m\u0259rk\u0259zl\u0259r var. \u0130nkubasiya v\u0259 akselerasiya m\u0259rk\u0259zl\u0259ri v\u0259 onlar\u0131n se\u00e7ilmi\u015f rezidentl\u0259ri \u0259h\u0259miyy\u0259tli sayda beyn\u0259lxalq forum v\u0259 sammitl\u0259rd\u0259 i\u015ftirak edibl\u0259r. Art\u0131q bu ild\u0259n \u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyi yan\u0131nda D\u00f6vl\u0259t M\u0259\u015f\u011fulluq Xidm\u0259ti \u00f6z\u00fcn\u00fcm\u0259\u015f\u011fulluq proqram\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 innovativ v\u0259 \u0259n\u0259n\u0259vi olmayan layih\u0259l\u0259r\u0259 d\u0259st\u0259yin g\u00f6st\u0259rilm\u0259sin\u0259 ba\u015flay\u0131r. N\u0259z\u0259riniz\u0259 \u00e7atd\u0131r\u0131m ki, g\u0259nc startap\u00e7\u0131lar\u0131n daha \u00e7ox u\u011fur qazanmas\u0131 \u00fc\u00e7\u00fcn, art\u0131q EnterpriseAzerbaijan.com portal\u0131na daxil edil\u0259n v\u0259 \u00f6z\u00fcn\u00fcm\u0259\u015f\u011fulluq proqram\u0131n\u0131n t\u0259l\u0259bl\u0259rin\u0259 uy\u011funluq t\u0259\u015fkil ed\u0259n startap layih\u0259l\u0259rinin bu proqram \u00e7\u0259r\u00e7iv\u0259sind\u0259 realla\u015fd\u0131r\u0131lmas\u0131 m\u0259s\u0259l\u0259sin\u0259 bax\u0131lmas\u0131 \u00fc\u00e7\u00fcn D\u00f6vl\u0259t M\u0259\u015f\u011fulluq Xidm\u0259til\u0259 \u0259m\u0259kda\u015fl\u0131q qurulub.<\/p>\n\n\n\n<p>Az\u0259rbaycan startap ekosistemin\u0259 t\u0259kan verm\u0259k m\u0259qs\u0259dil\u0259 \u0130nnoland Akselerasiya v\u0259 \u0130nkubasiya M\u0259rk\u0259zi t\u0259r\u0259find\u0259n AB\u015e-\u0131n Silikon Vadisind\u0259 Az\u0259rbaycan\u0131n \u201cTech Diasporas\u0131\u201d yarad\u0131l\u0131r. Burada \u0259sas m\u0259qs\u0259d Az\u0259rbaycanda startap ekosisteminin inki\u015faf\u0131, d\u00fcnyan\u0131n m\u00fcxt\u0259lif \u00f6lk\u0259l\u0259rind\u0259 ya\u015fayan az\u0259rbaycanl\u0131 startap ekosistem i\u015ftirak\u00e7\u0131lar\u0131n\u0131n, innovativ texnoloji sah\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n az\u0259rbaycanl\u0131lar\u0131n \u00f6lk\u0259miz il\u0259 \u0259laq\u0259l\u0259rinin daha da m\u00f6hk\u0259ml\u0259ndirilm\u0259si, onlar aras\u0131nda \u0259laq\u0259l\u0259rin v\u0259 birg\u0259 f\u0259aliyy\u0259tin t\u0259min olunmas\u0131d\u0131r. Amerika Birl\u0259\u015fmi\u015f \u015etatlar\u0131n\u0131n &#8220;Silikon Vadisi&#8221;nd\u0259 Az\u0259rbaycan \u0130nnovasiyalar Evinin a\u00e7\u0131l\u0131\u015f m\u0259rasimi ke\u00e7irilib. Az\u0259rbaycan \u0130nnovasiyalar Evi \u0130noland \u0130nkubasiya v\u0259 Akselerasiya M\u0259rk\u0259zi t\u0259r\u0259find\u0259n yarad\u0131l\u0131b. Stanford Universitetind\u0259 ba\u015f tutan t\u0259dbird\u0259 Silikon Vadisi v\u0259 yax\u0131n \u0259razid\u0259 ya\u015fayan, innovasiya v\u0259 y\u00fcks\u0259k texnologiyalar sah\u0259sind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n 100-\u0259 yax\u0131n az\u0259rbaycanl\u0131 i\u015ftirak edib. \u0130nnovasiyalar Evinin \u0259sas f\u0259aliyy\u0259ti Az\u0259rbaycan startaplar\u0131na d\u0259st\u0259k verm\u0259kd\u0259n ibar\u0259tdir. AB\u015e-da i\u015fini qurub, geni\u015fl\u0259ndirm\u0259k ist\u0259y\u0259n startaplar &#8220;\u0130nnovasiyalar Evi&#8221;nd\u0259n istifad\u0259 ed\u0259 bil\u0259r. H\u0259r bir yeni startap onun \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulmu\u015f \u00fc\u00e7ayl\u0131q akselerasiya proqram\u0131na qo\u015fula bil\u0259c\u0259k. Onlar burada h\u0259m\u00e7inin m\u00fcxt\u0259lif &#8220;Demo day&#8221;-l\u0259rd\u0259 i\u015ftirak ed\u0259c\u0259k, investorlarla g\u00f6r\u00fc\u015f\u0259c\u0259kl\u0259r.<\/p>\n\n\n\n<p>&nbsp;&nbsp; Az\u0259rbaycanda ilk d\u0259f\u0259 EnterpriseAzerbaijan.com yerli innovativ startap v\u0259 m\u0259hsul sahibl\u0259rin\u0259 \u201ckraudfandinq\u201d imkanlar\u0131 t\u0259qdim edir. H\u0259min layih\u0259l\u0259rin investisiya v\u0259 \u00f6nc\u0259d\u0259n sat\u0131\u015f \u0259ld\u0259 etm\u0259k \u00fc\u00e7\u00fcn qlobal m\u00fcst\u0259vid\u0259 b\u00fct\u00fcn beyn\u0259lxalq investor v\u0259 donorlara Amerika Birl\u0259\u015fmi\u015f \u015etatlar\u0131n\u0131n \u201ckraudfandinq\u201d (crowdfunding) platformas\u0131 olan \u201cKickstarter\u201d platformas\u0131na \u00e7\u0131x\u0131\u015f\u0131 t\u0259min olunur. EnterpriseAzerbaijan.com portal\u0131 Nyukasl Universiteti il\u0259 birlikd\u0259 \u201cCreative Spark\u201d layih\u0259si \u00e7\u0259r\u00e7iv\u0259sind\u0259 Az\u0259rbaycanda sahibkarl\u0131\u011f\u0131n t\u0259drisinin inki\u015faf\u0131 v\u0259 startaplar\u0131n d\u0259st\u0259kl\u0259nm\u0259si m\u0259qs\u0259dil\u0259 f\u0259aliyy\u0259tl\u0259r h\u0259yata ke\u00e7irir.<\/p>\n\n\n\n<p>KOB\u0130A \u00f6z n\u00f6vb\u0259sind\u0259 startaplar\u0131n beyn\u0259lxalq miqyasa \u00e7\u0131xmas\u0131, bacar\u0131qlar\u0131n art\u0131r\u0131lmas\u0131 v\u0259 maarifl\u0259ndirm\u0259 sah\u0259sind\u0259 f\u0259aliyy\u0259tl\u0259r h\u0259yata ke\u00e7irir.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>D\u00fcnyada KOB-lar\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259sind\u0259 fintekl\u0259rin rolunu nec\u0259 qiym\u0259tl\u0259ndirirsiniz?<\/strong><\/li><\/ul>\n\n\n\n<p>M\u0259s\u0259l\u0259n, Lat\u0131n Amerikas\u0131nda fintekl\u0259r banklar t\u0259r\u0259find\u0259n laz\u0131m\u0131nca xidm\u0259t g\u00f6st\u0259rilm\u0259y\u0259n KOB-lara xidm\u0259t g\u00f6st\u0259rm\u0259kl\u0259 onlayn maliyy\u0259y\u0259 \u0259l\u00e7atarl\u0131\u011f\u0131n\u0131 t\u0259min edirl\u0259r. M\u0259s\u0259l\u0259n, \u201cCredijusto finteki\u201d Meksikada, \u201cKonfio onlayn borc platformas\u0131\u201d olaraq Lat\u0131n Amerikas\u0131nda, \u201cAlphaCredit\u201d Meksika v\u0259 Kolumbiyada, \u201cCora\u201d is\u0259 Braziliyada KOB-lara biznes kreditl\u0259ri, kredit kartlar\u0131, maliyy\u0259 sa\u011flaml\u0131\u011f\u0131n\u0131n monitorinqi, pul k\u00f6\u00e7\u00fcrm\u0259k, hesab-fakturalar\u0131 \u00f6d\u0259m\u0259k v\u0259 s\u0131\u011forta sah\u0259sind\u0259 xidm\u0259tl\u0259r g\u00f6st\u0259rirl\u0259r. C\u0259nab Prezident Az\u0259rbaycanda KOB-un maliyy\u0259l\u0259\u015fdirilm\u0259sinin g\u00fccl\u0259ndirim\u0259sini v\u0259zif\u0259 kimi qoymu\u015fdur. T\u0259kc\u0259 banklar deyil, qabaqc\u0131l t\u0259cr\u00fcb\u0259y\u0259 \u0259sas\u0259n fintekl\u0259rin d\u0259 bu sah\u0259y\u0259 c\u0259lb olunmas\u0131 m\u0259qs\u0259d\u0259uy\u011fun g\u00f6r\u00fcn\u00fcr. M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn dey\u0259k ki, \u201cCredijusto\u201d Meksikada 25 mind\u0259n \u00e7ox m\u00fc\u015ft\u0259riy\u0259 90 milyon dollardan art\u0131q kredit vermi\u015fdir. Lat\u0131n Amerikas\u0131nda KOB maliyy\u0259l\u0259\u015fdirilm\u0259sini h\u0259yata ke\u00e7ir\u0259n bel\u0259 u\u011furlu fintekl\u0259r\u0259 \u201cGoldman Sachs\u201d, \u201cKaszek Ventures\u201d, \u201cRibbit Capital\u201d, \u201cPoint72 Ventures\u201d, \u201cSoftBank\u201d, \u201cQED Investors\u201d, \u201cVostok Emerging Finance\u201d kimi n\u00fcfuzlu investorlar da s\u0259rmay\u0259 yat\u0131r\u0131r. KOB-un maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 fintekl\u0259ri c\u0259lb etm\u0259kl\u0259 biz bir t\u0259r\u0259fd\u0259n maliyy\u0259y\u0259 \u00e7\u0131x\u0131\u015f\u0131 art\u0131maqla yana\u015f\u0131, dig\u0259r t\u0259r\u0259f\u0259d\u0259n kredit faizl\u0259rinin a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259si, b\u00fct\u00f6vl\u00fckd\u0259 kredit \u015f\u0259rtl\u0259rinin \u201cyum\u015falmas\u0131\u201dna nail ola bil\u0259rik. \u00c7\u00fcnki qabaqc\u0131l texnologiyalardan istifad\u0259 etdiyin\u0259 g\u00f6r\u0259 fintekl\u0259rin t\u0259qdim etdiyi resurslar daha ucuz v\u0259 \u0259l\u00e7atan olacaqd\u0131r.&nbsp;<\/p>\n\n\n\n<p>Az\u0259rbaycanda 200 milyard manatl\u0131q \u0259sas fondlar var, fondlar\u0131n fiziki v\u0259 m\u0259n\u0259vi a\u015f\u0131nmas\u0131n\u0131 n\u0259z\u0259r\u0259 alaraq dem\u0259k olar ki, illik \u0259n az\u0131 \u0259sas fondlar\u0131n 10 faizi h\u0259ddind\u0259 s\u0259rmay\u0259 yat\u0131r\u0131lmal\u0131d\u0131r ki, \u0259sas fondlar geni\u015fl\u0259nsin. B\u0259z\u0259n bel\u0259 hallar da olur ki, \u0259sas fondlara s\u0259rmay\u0259 yat\u0131r\u0131l\u0131r, amma istehsal g\u00fcc\u00fcnd\u0259n qism\u0259n istifad\u0259 olunur, fond verimi azal\u0131r. Bu da investorlar\u0131n m\u0259nf\u0259\u0259t normas\u0131n\u0131 a\u015fa\u011f\u0131 sal\u0131r. S\u0259rmay\u0259 qoyulu\u015fu zaman\u0131 sah\u0259nin r\u0259qab\u0259tqabiliyy\u0259ti m\u00fctl\u0259q n\u0259z\u0259r\u0259 al\u0131nmal\u0131d\u0131r.<\/p>\n\n\n\n<p>Real sektorun kapitalla\u015fmas\u0131 \u00fc\u00e7\u00fcn s\u0259rmay\u0259 qoyulu\u015funu daha \u00e7ox investorlar h\u0259yata ke\u00e7irm\u0259lidirl\u0259r. Bel\u0259 olduqda, investorlar riskin bir hiss\u0259sini \u00fcz\u0259rin\u0259 g\u00f6t\u00fcrm\u0259kl\u0259, banklar\u0131 v\u0259 fintekl\u0259ri d\u0259 kredit verm\u0259y\u0259 daha maraql\u0131 ed\u0259 bil\u0259rl\u0259r. Banklar \u0259sas fondlara kredit qoyulu\u015fu il\u0259 yana\u015f\u0131, daha \u00e7ox d\u00f6vriyy\u0259 v\u0259saitl\u0259rin\u0259 s\u0259rmay\u0259 yat\u0131rmaqda maraql\u0131 ola bil\u0259rl\u0259r.<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycan Respublikas\u0131 \u0130qtisadi \u0130slahatlar\u0131n T\u0259hlili v\u0259 Kommunikasiya M\u0259rk\u0259zinin icra\u00e7\u0131 direktoru, iqtisad elml\u0259ri doktoru V\u00fcsal Qas\u0131ml\u0131 d\u00fcnyada maliyy\u0259 texnologiyalar\u0131 \u00fczr\u0259 \u0259sas trendl\u0259r v\u0259 fintekl\u0259rin \u00f6lk\u0259mizd\u0259 t\u0259tbiqinin geni\u015fl\u0259ndirilm\u0259si m\u00f6vzusunda suallara cavab verib. D\u00fcnya \u00fczr\u0259 maliyy\u0259 texnologiyalar\u0131 sah\u0259sind\u0259 cari v\u0259ziyy\u0259ti nec\u0259 qiym\u0259tl\u0259ndirirm\u0259k olar? \u0130nki\u015faf\u0131 d\u0259qiqliy\u0259, rasionall\u0131\u011fa v\u0259 \u00e7evikliy\u0259 dayanan maliyy\u0259 sektoru s\u00fcni intellektin, insan resurslar\u0131n\u0131n m\u0259hsuldarl\u0131\u011f\u0131n\u0131 art\u0131ran v\u0259 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5360,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[40,93,2],"tags":[],"class_list":["post-5359","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bash","category-iqtisadiyyat","category-olke"],"_links":{"self":[{"href":"https:\/\/aranxeber.com\/index.php?rest_route=\/wp\/v2\/posts\/5359","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aranxeber.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aranxeber.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aranxeber.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/aranxeber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5359"}],"version-history":[{"count":1,"href":"https:\/\/aranxeber.com\/index.php?rest_route=\/wp\/v2\/posts\/5359\/revisions"}],"predecessor-version":[{"id":5361,"href":"https:\/\/aranxeber.com\/index.php?rest_route=\/wp\/v2\/posts\/5359\/revisions\/5361"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aranxeber.com\/index.php?rest_route=\/wp\/v2\/media\/5360"}],"wp:attachment":[{"href":"https:\/\/aranxeber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5359"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aranxeber.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5359"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aranxeber.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5359"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}