2024-c\u00fc ilin yanvar-noyabr aylar\u0131nda Az\u0259rbaycanda kredit kartlar\u0131 il\u0259 h\u0259yata ke\u00e7iril\u0259n \u0259m\u0259liyyatlar\u0131n \u00fcmumi h\u0259cmi 7 milyard 890 milyon manata \u00e7at\u0131b. Bu r\u0259q\u0259m 2023-c\u00fc ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 40.7 faiz v\u0259 ya 2 milyard 282 milyon manat art\u0131m dem\u0259kdir.<\/p>\n
B\u0259s na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r ka\u011f\u0131z pulu tamamil\u0259 s\u0131radan \u00e7\u0131xara bil\u0259r?<\/strong><\/p>\n \u0130qtisad\u00e7\u0131 ekspert R\u0259\u015fad H\u0259s\u0259nov Metbuat.az-a a\u00e7\u0131qlamas\u0131nda bildirib ki, orta v\u0259 uzunm\u00fcdd\u0259tli d\u00f6vrd\u0259 ka\u011f\u0131z pullar\u0131n d\u00f6vriyy\u0259d\u0259n \u00e7\u0131xmas\u0131 qa\u00e7\u0131lmazd\u0131r:<\/p>\n “R\u0259q\u0259msal iqtisadiyyata ke\u00e7id bu proses\u0259 ciddi t\u0259kan verir. H\u0259m r\u0259q\u0259msal valyutalar, h\u0259m d\u0259 kriptovalyutalar \u00f6d\u0259ni\u015f imkanlar\u0131n\u0131 geni\u015fl\u0259ndirir v\u0259 na\u011fds\u0131z iqtisadiyyata ke\u00e7idi s\u00fcr\u0259tl\u0259ndirir. Az\u0259rbaycanda da son d\u00f6vrl\u0259rd\u0259 banklar\u0131n t\u0259tbiq etdiyi m\u00fcxt\u0259lif t\u0259\u015fviqedici faktorlar v\u0259 qlobal kredit bazarlar\u0131n\u0131n t\u0259siri il\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin h\u0259cmi art\u0131r. Kartlardan istifad\u0259nin artmas\u0131, eyni zamanda ticar\u0259t m\u00fcnasib\u0259tl\u0259rinin v\u0259 istehlak v\u0259rdi\u015fl\u0259rinin d\u0259yi\u015fm\u0259si il\u0259 d\u0259 \u0259laq\u0259dard\u0131r. Onlayn ticar\u0259tin miqyas\u0131n\u0131n geni\u015fl\u0259nm\u0259si bu ke\u00e7idi daha da s\u00fcr\u0259tl\u0259ndirir”.<\/p>\n \u0130qtisad\u00e7\u0131 qeyd edib ki, bu prosesin m\u00fc\u0259yy\u0259n riskl\u0259ri d\u0259 m\u00f6vcuddur:<\/strong><\/p>\n “Texniki probleml\u0259r, kibercinay\u0259tkarl\u0131q, \u015f\u0259xsi m\u0259lumatlar\u0131n \u0259l\u0259 ke\u00e7irilm\u0259si v\u0259 hesablardan pul v\u0259saitl\u0259rinin o\u011furlanmas\u0131 kimi t\u0259hl\u00fck\u0259l\u0259r r\u0259q\u0259msal \u00f6d\u0259ni\u015f sisteml\u0259rinin \u0259sas probleml\u0259ri aras\u0131ndad\u0131r. Lakin \u00fcmumilikd\u0259 g\u00f6t\u00fcrd\u00fckd\u0259 bu riskl\u0259r na\u011fd v\u0259saitl\u0259rin istifad\u0259si il\u0259 m\u00fcqayis\u0259d\u0259 daha a\u015fa\u011f\u0131d\u0131r. \u00c7\u00fcnki na\u011fd pulun saxlanmas\u0131, itirilm\u0259si v\u0259 saxtala\u015fd\u0131r\u0131lmas\u0131 da ciddi probleml\u0259r yarad\u0131r. Dig\u0259r t\u0259r\u0259fd\u0259n na\u011fd pulun emissiyas\u0131 \u00fc\u00e7\u00fcn \u0259lav\u0259 x\u0259rcl\u0259r t\u0259l\u0259b olunur, bu da iqtisadi bax\u0131mdan \u0259lav\u0259 y\u00fckd\u00fcr”.<\/p>\n R.H\u0259s\u0259novun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu aspektl\u0259ri n\u0259z\u0259r\u0259 alsaq, kartlar v\u0259 dig\u0259r r\u0259q\u0259msal valyutalar vasit\u0259sil\u0259 \u00f6d\u0259ni\u015fl\u0259rin h\u0259yata ke\u00e7irilm\u0259si daha m\u0259qs\u0259d\u0259uy\u011fundur:<\/p>\n “Bununla bel\u0259, t\u0259hl\u00fck\u0259sizlik m\u0259s\u0259l\u0259l\u0259rin\u0259 diqq\u0259t yetirm\u0259k vacibdir. M\u0259lumatlar\u0131n \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsl\u0259rin \u0259lin\u0259 ke\u00e7m\u0259m\u0259si \u00fc\u00e7\u00fcn g\u00fccl\u00fc parollar\u0131n t\u0259tbiqi, etibarl\u0131 onlayn platformalardan istifad\u0259 v\u0259 f\u0259rdi m\u0259lumatlar\u0131n qorunmas\u0131 kimi t\u0259dbirl\u0259rin g\u00f6r\u00fclm\u0259si m\u00fch\u00fcm \u0259h\u0259miyy\u0259t da\u015f\u0131y\u0131r. Bu kimi add\u0131mlarla r\u0259q\u0259msal \u00f6d\u0259ni\u015fl\u0259r zaman\u0131 yaranacaq riskl\u0259ri minimuma endirm\u0259k m\u00fcmk\u00fcnd\u00fcr”.<\/p>\n","protected":false},"excerpt":{"rendered":" 2024-c\u00fc ilin yanvar-noyabr aylar\u0131nda Az\u0259rbaycanda kredit kartlar\u0131 il\u0259 h\u0259yata ke\u00e7iril\u0259n \u0259m\u0259liyyatlar\u0131n \u00fcmumi h\u0259cmi 7 milyard 890 milyon manata \u00e7at\u0131b. Bu r\u0259q\u0259m 2023-c\u00fc ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 40.7 faiz v\u0259 ya 2 milyard 282 milyon manat art\u0131m dem\u0259kdir. B\u0259s na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r ka\u011f\u0131z pulu tamamil\u0259 s\u0131radan \u00e7\u0131xara bil\u0259r? \u0130qtisad\u00e7\u0131 ekspert R\u0259\u015fad H\u0259s\u0259nov Metbuat.az-a a\u00e7\u0131qlamas\u0131nda bildirib ki, orta v\u0259 uzunm\u00fcdd\u0259tli d\u00f6vrd\u0259 ka\u011f\u0131z pullar\u0131n d\u00f6vriyy\u0259d\u0259n \u00e7\u0131xmas\u0131 qa\u00e7\u0131lmazd\u0131r: “R\u0259q\u0259msal iqtisadiyyata ke\u00e7id bu proses\u0259 ciddi t\u0259kan verir. H\u0259m r\u0259q\u0259msal valyutalar, h\u0259m d\u0259 kriptovalyutalar \u00f6d\u0259ni\u015f imkanlar\u0131n\u0131 geni\u015fl\u0259ndirir v\u0259 na\u011fds\u0131z iqtisadiyyata ke\u00e7idi s\u00fcr\u0259tl\u0259ndirir. Az\u0259rbaycanda da son d\u00f6vrl\u0259rd\u0259…<\/p>\n","protected":false},"author":2,"featured_media":789536,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/5319bbbbfb8005256f3c6ca121da95d1.jpg",800,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/5319bbbbfb8005256f3c6ca121da95d1.jpg",800,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/5319bbbbfb8005256f3c6ca121da95d1.jpg",800,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/5319bbbbfb8005256f3c6ca121da95d1-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/5319bbbbfb8005256f3c6ca121da95d1-584x365.jpg",584,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/5319bbbbfb8005256f3c6ca121da95d1.jpg",640,400,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/5319bbbbfb8005256f3c6ca121da95d1.jpg",800,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/5319bbbbfb8005256f3c6ca121da95d1.jpg",800,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/5319bbbbfb8005256f3c6ca121da95d1-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/5319bbbbfb8005256f3c6ca121da95d1.jpg",800,500,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"2024-c\u00fc ilin yanvar-noyabr aylar\u0131nda Az\u0259rbaycanda kredit kartlar\u0131 il\u0259 h\u0259yata ke\u00e7iril\u0259n \u0259m\u0259liyyatlar\u0131n \u00fcmumi h\u0259cmi 7 milyard 890 milyon manata \u00e7at\u0131b. Bu r\u0259q\u0259m 2023-c\u00fc ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 40.7 faiz v\u0259 ya 2 milyard 282 milyon manat art\u0131m dem\u0259kdir. B\u0259s na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r ka\u011f\u0131z pulu tamamil\u0259 s\u0131radan \u00e7\u0131xara bil\u0259r? \u0130qtisad\u00e7\u0131 ekspert R\u0259\u015fad H\u0259s\u0259nov Metbuat.az-a a\u00e7\u0131qlamas\u0131nda bildirib ki,…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/789535"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=789535"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/789535\/revisions"}],"predecessor-version":[{"id":789537,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/789535\/revisions\/789537"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/789536"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=789535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=789535"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=789535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}