Business consultancy project

Appendices

Appendix 1

List of Questions for representatives of Banks.

1. 
   Organization
   
2. 
   Name
   
3. 
   Position
   
4. 
   Experience
   
5. 
   Your position in B2B and B2C market. The number of you B2B and B2C clients and market share
   
6. 
   How do you estimate the Financial sector in Azerbaijan? Is it becoming more competitive?
   
7. 
   How the recent changes in finance legislation on digitalization affected the performance of the bank?
   
8. 
   What transactions forms were done through your bank account? Cash or Cashless payments
   
9. 
   What payment methods your customers use to pay credits? (cash at the office, online payments)
   
10. 
    Are you satisfied with your current product portfolio?
    
11. 
    Are you planning to increase the product range?
    
12. 
    Do you think online payments systems impact your market position?
    
13. 
    If yes, what are you doing to mitigate this implication?
    
14. 
    What are your plans for Mobile Banking?
    
15. 
    Have you launched mobile app and what services are provided by app?
    
16. 
    Do you consider the contactless payment system implementation in the nearest future?
    
17. 
    If no, please explain the reason?
    
18. 
    If yes, what do you think how much time you will require for the launching contactless payment system?
    
19. 
    How do you assess the financial literacy of your customers? Do you think are they ready for the digitalization of payments?
    

List of Questions for representatives of Online Payment Portals (Goldenpay, Azericard, Azerpost, HOP, etc.)

1. Organization

2. Name

3. Position

4. Experience

5. Your position in B2B and B2C market. The number of you B2B and B2C clients and market share

6. How do you estimate the Financial sector in Azerbaijan? Is it becoming more competitive?

7. How the recent changes in finance legislation on digitalization affected your performance in the market?

8. What type of payments are used by your customers? (telecommunication bills, utilities, penalties, etc.) Please provide the breakdown in percentage.

9. Are you planning to increase the range of services provided to your customers?

10. Do you think the online payments systems are popular in Azerbaijan?

11. Whom do you consider as a competitor?

12. Do you consider banks as competitors in terms of mobile payments?

13. If yes, what are you doing to mitigate this implication?

14. Do you have mobile app?

15. If no, please explain the reason?

16. How do you assess the financial literacy of your customers? Do you think are they ready for the digitalization of payments?