Nomination of “Leading bank on cashless payments at POS-terminals"
Place I
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“Premium Bank” OJSC;
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Place II
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“Pasha Bank” OJSC;
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Place III
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“ACCESSBANK” CJSC.
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Nomination of “Leading bank in e-banking services”
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Place I
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“The International Bank of Azerbaijan” OJSC;
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Place II
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“UNIBANK KB” OJSC;
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Place III
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“Kapital Bank” OJSC.
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Nomination of “Leading bank in e-trade development”
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Place I
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“AGBank” OJSC
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Place II
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“UNIBANK KB” OJSC
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Place III
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“Expressbank” OJSC
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Nomination of “Leading bank on contactless payments”
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Place I
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“Expressbank” OJSC;
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Place II
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“Nakhchivanbank” OJSC;
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Place III
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“Pasha Bank” OJSC.
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Nomination of “Leading bank on contactless POS-terminal infrastructure”
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Place I
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“Pasha Bank” OJSC;
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Place II
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“Expressbank” OJSC;
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Place III
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“AtaBank” OJSC.
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The following winners were appointed by the CBA and ABA according to the below nominations: Table.5. (Central Bank awards winners of its contest on development of cashless payments, 2019)
Payment Systems in Azerbaijan.
Azericard
Azericard is a pioneer in the Processing industry in Azerbaijan and is certified by MasterCard, Diners Club, American Express, JCB and Union Pay. Partners of Azericard are presented by 22 banks in Azerbaijan and abroad such as IBA, IBA Representative in Russia, Pasha Bank, Silk Way Bank, VTB Azerbaijan, KDB Bank Uzbekistan, and others. (Azericard. About us, 2019)
All the partners of Azericard are authorized by the International Payment Systems. Payments in respect of various services, such as telecom, utilities, customs and tax, internet and mobile banking, card to card transfers, payments of insurance premiums, deposit payments by using ATMs are feasible with Azericard Payment system. (Azericard. About us, 2019).
Moreover, recently, a MobilBank service has been implemented by Azericard, which provides an opportunity to manage a banking account called Special Card Account online from the mobile phone.
This enables customers to execute the following transactions by saving time:
Checking balance of the card and obtaining statement
Payments of public utilities
Payments of mobile communication services and internet
Card to card services
Forming exemplary payments – to make it easier for customers making similar regular payments
The process of becoming a MobilBank user is quite easy and includes the receiving of passwords from the ATM and downloading the mobile application to the mobile device. Moreover, MobilBank menu is in the process of gradual improvement, and additional services can be added in the future to meet the clients’ needs. (Azericard. Services, 2019)
Furthermore, quantity of plastic cards served by Azericard increased in 2018 by 3%, while number of transactions increased by 10% in comparison with 2017.
Meanwhile, Azericard provides services by using 35 000 Pos-terminals and 1 600 ATMs. (Report Az, 2019)
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