Yeni texnologiyalar art\u0131q maliyy\u0259 d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fdirir v\u0259 y\u00fcks\u0259k x\u0259rcl\u0259r\u0259 art\u0131q q\u0259na\u0259t edilir. \u0130nki\u015faf etm\u0259kd\u0259 olan maliyy\u0259 tendensiyalar\u0131n\u0131 ba\u015fa d\u00fc\u015fm\u0259k siz\u0259 qabaqda olma\u011fa k\u00f6m\u0259k ed\u0259c\u0259k v\u0259 uzunm\u00fcdd\u0259tli perspektivd\u0259 m\u0259lumatl\u0131 investisiya q\u0259rarlar\u0131 q\u0259bul etm\u0259y\u0259 imkan ver\u0259c\u0259k.<\/p>\r\n\r\n\r\n\r\n
2023-c\u00fc ild\u0259 g\u00f6zl\u0259nil\u0259n 5 \u0259n yax\u015f\u0131 maliyy\u0259 tendensiyas\u0131 bunlard\u0131r.<\/strong><\/p>\r\n\r\n\r\n\r\n 1. S\u00fcni intellekt<\/strong><\/p>\r\n\r\n\r\n\r\n S\u00fcni intellekt – art\u0131q bir m\u00fcdd\u0259tdir ki, banklar v\u0259 dig\u0259r maliyy\u0259 qurumlar\u0131 t\u0259r\u0259find\u0259n istifad\u0259 olunur v\u0259 onun istifad\u0259sinin n\u00f6vb\u0259ti bir ne\u00e7\u0259 il \u0259rzind\u0259 \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 geni\u015fl\u0259n\u0259c\u0259yi g\u00f6zl\u0259nilir.<\/p>\r\n\r\n\r\n\r\n S\u00fcni \u0130ntelekt banklara v\u0259 dig\u0259r qurumlara m\u00fc\u015ft\u0259ril\u0259r\u0259 keyfiyy\u0259tli xidm\u0259t g\u00f6st\u0259r\u0259rk\u0259n vaxta q\u0259na\u0259t etm\u0259y\u0259 imkan ver\u0259n m\u00fc\u015ft\u0259ri xidm\u0259ti sor\u011fular\u0131 v\u0259 ya investisiya m\u0259sl\u0259h\u0259tl\u0259ri kimi prosesl\u0259ri avtomatla\u015fd\u0131rma\u011fa k\u00f6m\u0259k edir.<\/p>\r\n\r\n\r\n\r\n H\u0259m\u00e7inin m\u0259lumatlar\u0131n t\u0259hlili v\u0259 ya f\u0131r\u0131ldaq\u00e7\u0131l\u0131\u011f\u0131n a\u015fkarlanmas\u0131 \u00fc\u00e7\u00fcn istifad\u0259 edilir.<\/p>\r\n\r\n\r\n\r\n S\u00fcni \u0130ntelektin \u0259n m\u0259\u015fhur istifad\u0259l\u0259rind\u0259n biri d\u0259 treydingdir<\/strong>. S\u00fcni \u0130ntelekt b\u00f6y\u00fck miqdarda m\u0259lumat\u0131 tez t\u0259hlil etm\u0259k v\u0259 g\u0259l\u0259c\u0259k bazar h\u0259r\u0259k\u0259tl\u0259ri haqq\u0131nda insanlar t\u0259r\u0259find\u0259n edil\u0259nl\u0259rd\u0259n daha d\u0259qiq olan proqnozlar verm\u0259k \u00fc\u00e7\u00fcn istifad\u0259 edil\u0259 bil\u0259r.<\/p>\r\n\r\n\r\n\r\n Bu, treyderl\u0259r\u0259 s\u0259rf\u0259li imkanlar\u0131 m\u00fc\u0259yy\u0259n etm\u0259y\u0259 v\u0259 ya ba\u015f verm\u0259zd\u0259n \u0259vv\u0259l onlar\u0131 potensial riskl\u0259r bar\u0259d\u0259 x\u0259b\u0259rdar etm\u0259y\u0259 k\u00f6m\u0259k edir. Bundan \u0259lav\u0259, S\u00fcni \u0130ntelekt il\u0259 i\u015fl\u0259y\u0259n ticar\u0259t sisteml\u0259ri \u00e7ox vaxt insan treyderl\u0259rd\u0259n daha s\u00fcr\u0259tli olur, y\u0259ni bazardak\u0131 d\u0259yi\u015fiklikl\u0259r\u0259 daha s\u00fcr\u0259tli v\u0259 daha d\u0259qiq reaksiya verir.<\/p>\r\n\r\n\r\n\r\n S\u00fcni \u0130ntelekt investisiya portfell\u0259rini idar\u0259 etm\u0259k \u00fc\u00e7\u00fcn d\u0259 istifad\u0259 edil\u0259 bil\u0259r. S\u0259hml\u0259r, istiqrazlar, \u0259mt\u0259\u0259l\u0259r v\u0259 valyutalar kimi m\u00fcxt\u0259lif m\u0259nb\u0259l\u0259rd\u0259n al\u0131nan m\u0259lumatlar\u0131 t\u0259hlil ed\u0259r\u0259k, alqoritml\u0259r risk s\u0259viyy\u0259sini tez qiym\u0259tl\u0259ndir\u0259 v\u0259 veril\u0259n portfelin m\u0259qs\u0259dl\u0259ri \u0259sas\u0131nda optimal investisiyalar t\u0259klif ed\u0259 bil\u0259r.<\/p>\r\n\r\n\r\n\r\n 2. R\u0259q\u0259msal bank\u00e7\u0131l\u0131q<\/strong><\/p>\r\n\r\n\r\n\r\n Son on ild\u0259 r\u0259q\u0259msal bank\u00e7\u0131l\u0131qda g\u00f6r\u00fcnm\u0259mi\u015f bir art\u0131m var. \u018fvv\u0259ll\u0259r \u0259n\u0259n\u0259vi banklar yegan\u0259 se\u00e7im idi, indi r\u0259q\u0259msal banklar getdikc\u0259 daha c\u0259lbedici olur.<\/p>\r\n\r\n\r\n\r\n Yaln\u0131z r\u0259q\u0259msal bank\u00e7\u0131l\u0131\u011f\u0131n b\u00f6y\u00fcm\u0259sinin arxas\u0131nda duran \u0259n b\u00f6y\u00fck s\u0259b\u0259bl\u0259rd\u0259n biri maliyy\u0259 texnologiyalar\u0131 startaplar\u0131n\u0131n (fintech) yay\u0131lmas\u0131d\u0131r. Bu startaplar h\u0259m istehlak\u00e7\u0131lara, h\u0259m d\u0259 biznesl\u0259r\u0259 innovativ maliyy\u0259 h\u0259ll\u0259ri t\u0259qdim etm\u0259k \u00fc\u00e7\u00fcn qabaqc\u0131l texnoloji nailiyy\u0259tl\u0259rd\u0259n istifad\u0259 edirl\u0259r.<\/p>\r\n\r\n\r\n\r\n R\u0259q\u0259msal banklar ad\u0259t\u0259n \u0259man\u0259t hesablar\u0131 \u00fczr\u0259 daha y\u00fcks\u0259k faiz d\u0259r\u0259c\u0259l\u0259ri, h\u0259m\u00e7inin ATM-d\u0259n pul \u00e7\u0131xarmaq \u00fc\u00e7\u00fcn daha a\u015fa\u011f\u0131 komissiyalar v\u0259 \u0259n\u0259n\u0259vi banklardan daha \u00e7ox funksiya t\u0259klif edir.<\/p>\r\n\r\n\r\n\r\n 3. SaaS Platformalar\u0131 <\/strong><\/p>\r\n\r\n\r\n\r\n Xidm\u0259t olaraq SaaS istifad\u0259\u00e7il\u0259rin internet \u00fcz\u0259rind\u0259n uzaqdan daxil oldu\u011fu proqram t\u0259minat\u0131 modelidir.<\/p>\r\n\r\n\r\n\r\n Proqram t\u0259minat\u0131 buludda yerl\u0259\u015fdirilir v\u0259 \u00fc\u00e7\u00fcnc\u00fc t\u0259r\u0259f provayderi t\u0259r\u0259find\u0259n idar\u0259 olunur. Bu o dem\u0259kdir ki, istifad\u0259\u00e7il\u0259rin aparat v\u0259 ya proqram t\u0259minat\u0131 lisenziyalar\u0131 almas\u0131na v\u0259 ya qura\u015fd\u0131rma v\u0259 ya texniki xidm\u0259tl\u0259 ba\u011fl\u0131 narahat olmas\u0131na ehtiyac yoxdur.<\/p>\r\n\r\n\r\n\r\n Bulud hesablama texnologiyas\u0131ndan istifad\u0259 etm\u0259kl\u0259 \u015firk\u0259tl\u0259r ilkin avadanl\u0131q x\u0259rcl\u0259rini aradan qald\u0131rmaqla, \u0130T x\u0259rcl\u0259rin\u0259 \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 q\u0259na\u0259t ed\u0259 bil\u0259rl\u0259r.\u00a0<\/p>\r\n\r\n\r\n\r\n 4. T\u0259nziml\u0259m\u0259 Texnologiyas\u0131<\/strong><\/p>\r\n\r\n\r\n\r\n RegTech – T\u0259nziml\u0259m\u0259 Texnologiyas\u0131 dem\u0259kdir.<\/p>\r\n\r\n\r\n\r\n RegTech-in m\u0259qs\u0259di \u015firk\u0259tl\u0259r\u0259 uy\u011funluq prosesl\u0259rini sad\u0259l\u0259\u015fdir\u0259n, x\u0259rcl\u0259ri azaldan v\u0259 \u0259m\u0259liyyat s\u0259m\u0259r\u0259liliyini art\u0131ran avtomatla\u015fd\u0131r\u0131lm\u0131\u015f h\u0259ll\u0259r t\u0259qdim etm\u0259kdir.<\/p>\r\n\r\n\r\n\r\n RegTech biznesl\u0259r\u0259 m\u00fcxt\u0259lif yollarla fayda ver\u0259 bil\u0259r. Birincisi, bu, onlara h\u00f6kum\u0259t qaydalar\u0131na s\u0259m\u0259r\u0259li \u015f\u0259kild\u0259 riay\u0259t etm\u0259y\u0259 k\u00f6m\u0259k edir, x\u0259rcl\u0259ri minimuma endirm\u0259y\u0259 k\u00f6m\u0259k edir.<\/p>\r\n\r\n\r\n\r\n T\u0259nziml\u0259m\u0259 texnologiyas\u0131n\u0131n v\u0259 \u0259laq\u0259li h\u0259ll\u0259rin y\u00fcks\u0259li\u015fi, \u00e7ox g\u00fcman ki, 2023-c\u00fc ild\u0259 \u0259sas tendensiya olacaq.<\/p>\r\n\r\n\r\n\r\n 5. BNPL (\u0130ndi al, sonra \u00f6d\u0259)\u00a0<\/strong><\/p>\r\n\r\n\r\n\r\n BNPL \u201c\u0130ndi al, sonra \u00f6d\u0259\u201d m\u0259nas\u0131n\u0131 verir v\u0259 m\u00fc\u015ft\u0259ril\u0259r\u0259 mallar\u0131 indi alma\u011fa, lakin sonradan \u00f6d\u0259m\u0259y\u0259 imkan ver\u0259n bir \u00f6d\u0259ni\u015f variant\u0131d\u0131r.<\/p>\r\n\r\n\r\n\r\n Bu, ad\u0259t\u0259n, zamanla \u00f6d\u0259ni\u015fl\u0259ri asanla\u015fd\u0131ran bir provayderl\u0259 (m\u0259s\u0259l\u0259n, Afterpay v\u0259 ya Klarna) qeydiyyatdan ke\u00e7m\u0259yi \u0259hat\u0259 edir.<\/p>\r\n\r\n\r\n\r\n BNPL-in populyarl\u0131\u011f\u0131n\u0131 bir ne\u00e7\u0259 amil, o c\u00fcml\u0259d\u0259n daha \u00e7evik \u00f6d\u0259ni\u015f se\u00e7iml\u0259rin\u0259 artan istehlak t\u0259l\u0259bi v\u0259 mobil proqramlar kimi r\u0259q\u0259msal h\u0259ll\u0259rin \u0259l\u00e7atanl\u0131\u011f\u0131 il\u0259 \u0259laq\u0259l\u0259ndirm\u0259k olar.<\/p>\r\n\r\n\r\n\r\n 2023 Maliyy\u0259 Sektoru \u00fc\u00e7\u00fcn H\u0259y\u0259canl\u0131 il olaca\u011f\u0131n\u0131 v\u0259d edir<\/strong><\/p>\r\n\r\n\r\n\r\n S\u00fcni intellektin, ma\u015f\u0131n \u00f6yr\u0259nm\u0259sinin v\u0259 bulud \u0259sasl\u0131 xidm\u0259tl\u0259rin artmas\u0131 il\u0259 2023-c\u00fc il qlobal maliyy\u0259 sektoru \u00fc\u00e7\u00fcn \u00e7ox maraql\u0131 il kimi g\u00f6r\u00fcn\u00fcr.<\/p>\r\n\r\n\r\n\r\n \u00dcmumilikd\u0259 m\u0259lumatlar\u0131n t\u0259hlili, avtomatla\u015fd\u0131rma v\u0259 maliyy\u0259 texnologiyas\u0131nda b\u00f6y\u00fck ir\u0259lil\u0259yi\u015fl\u0259r olaca\u011f\u0131n\u0131 g\u00f6zl\u0259y\u0259 bil\u0259rik.<\/p>\r\n","protected":false},"excerpt":{"rendered":" Yeni texnologiyalar art\u0131q maliyy\u0259 d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fdirir v\u0259 y\u00fcks\u0259k x\u0259rcl\u0259r\u0259 art\u0131q q\u0259na\u0259t edilir. \u0130nki\u015faf etm\u0259kd\u0259 olan maliyy\u0259 tendensiyalar\u0131n\u0131 ba\u015fa d\u00fc\u015fm\u0259k siz\u0259 qabaqda olma\u011fa k\u00f6m\u0259k ed\u0259c\u0259k v\u0259 uzunm\u00fcdd\u0259tli perspektivd\u0259 m\u0259lumatl\u0131 investisiya q\u0259rarlar\u0131 q\u0259bul etm\u0259y\u0259 imkan ver\u0259c\u0259k. 2023-c\u00fc ild\u0259 g\u00f6zl\u0259nil\u0259n 5 \u0259n yax\u015f\u0131 maliyy\u0259 tendensiyas\u0131 bunlard\u0131r. 1. S\u00fcni intellekt S\u00fcni intellekt – art\u0131q bir m\u00fcdd\u0259tdir ki, banklar v\u0259…<\/p>\n","protected":false},"author":1,"featured_media":2013,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-2012","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-meqaleler"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/posts\/2012","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/comments?post=2012"}],"version-history":[{"count":6,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/posts\/2012\/revisions"}],"predecessor-version":[{"id":2656,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/posts\/2012\/revisions\/2656"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/media\/2013"}],"wp:attachment":[{"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/media?parent=2012"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/categories?post=2012"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/tags?post=2012"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}