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SCIENTIFIC RESEARCH - 2026
DOI: https://doi.org/10.36719/2789-6919/54/104-107
Fatima Gahramanova
Azerbaijan State University of Economics
Master’s student
https://orcid.org/0009-0000-5500-3469
fqehremanova57@gmail.com
Analysis and Assessment of the Impact of Electronic Commerce on the Banking Sector in Azerbaijan
Abstract
The development of e-government and the digital economy in Azerbaijan is the result of strategic reforms aimed at increasing transparency, improving efficiency in management, and facilitating access to public services. Since the early 2000s, extensive programs have been implemented to digitize public administration and apply information and communication technologies (ICT) in all areas. The establishment of “ASAN Service” centers, the introduction of electronic signature systems, and digital payment platforms have increased citizen satisfaction, reduced bureaucratic barriers, and ensured the efficiency of public services. The “Digital Economy Strategy 2022-2026” envisages the integration of artificial intelligence, big data, and blockchain technologies into management and business processes. This transition will allow for the reduction of oil dependence, the development of startups, small and medium-sized enterprises (SMEs), and the formation of an innovation ecosystem. At the same time, issues such as cybersecurity risks, digital inequality between urban and rural areas, and increasing the digital skills of the workforce remain relevant. Overall, Azerbaijan's digital transformation serves to ensure sustainable socio-economic development and the goal of transforming the country into a regional digital hub by 2030.
Keywords: electronic, digital, governance, transformation, regional
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