{"id":"https://openalex.org/W7204759948","doi":"https://doi.org/10.68210/jgeor.a15","title":"Analysis of the relationship between digital banking and the development of cashless payments in Azerbaijan","display_name":"Analysis of the relationship between digital banking and the development of cashless payments in Azerbaijan","publication_year":2026,"publication_date":"2026-09-27","ids":{"openalex":"https://openalex.org/W7204759948","doi":"https://doi.org/10.68210/jgeor.a15"},"language":"en","primary_location":{"id":"doi:10.68210/jgeor.a15","doi":"https://doi.org/10.68210/jgeor.a15","is_oa":true,"landing_page_url":"https://doi.org/10.68210/jgeor.a15","pdf_url":"https://jgeor.org/index.php/jgeor/article/download/vol1-no3-pg5-13/vol1-no3-pg5-13","source":{"id":"https://openalex.org/S7407064735","display_name":"Journal of Green Economy and Optimization Research","issn_l":"3136-7968","issn":["3136-7968"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Green Economy and Optimization Research","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref","datacite"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://jgeor.org/index.php/jgeor/article/download/vol1-no3-pg5-13/vol1-no3-pg5-13","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5138533050","display_name":"Elnur Sadiqov","orcid":"https://orcid.org/0000-0001-9263-5991","observed_orcids":["https://orcid.org/0000-0001-9263-5991"]},"institutions":[{"id":"https://openalex.org/I4210086371","display_name":"Azerbaijan State University of Economics","ror":"https://ror.org/000y2g343","country_code":"AZ","type":"education","lineage":["https://openalex.org/I4210086371"]},{"id":"https://openalex.org/I4400008958","display_name":"Mingachevir State University","ror":"https://ror.org/04j0rnj48","country_code":null,"type":"education","lineage":["https://openalex.org/I4400008958"]}],"countries":["AZ"],"is_corresponding":false,"raw_author_name":"Elnur Sadiqov","raw_affiliation_strings":["Azerbaijan State University of Economics","Mingachevir State University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Azerbaijan State University of Economics","institution_ids":["https://openalex.org/I4210086371"]},{"raw_affiliation_string":"Mingachevir State University","institution_ids":["https://openalex.org/I4400008958"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5148763050","display_name":"Umar Asimov","orcid":"https://orcid.org/0009-0000-3923-8583","observed_orcids":["https://orcid.org/0009-0000-3923-8583"]},"institutions":[{"id":"https://openalex.org/I4400008958","display_name":"Mingachevir State University","ror":"https://ror.org/04j0rnj48","country_code":null,"type":"education","lineage":["https://openalex.org/I4400008958"]}],"countries":[],"is_corresponding":false,"raw_author_name":"Umar Asimov","raw_affiliation_strings":["Mingachevir State University"],"raw_orcid":"https://orcid.org/0009-0000-3923-8583","affiliations":[{"raw_affiliation_string":"Mingachevir State University","institution_ids":["https://openalex.org/I4400008958"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.71666595,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"1","issue":"3","first_page":"5","last_page":"13"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9976000189781189,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.9976000189781189,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.0010000000474974513,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14416","display_name":"Health, Technology, Consumer Behavior","score":0.0006000000284984708,"subfield":{"id":"https://openalex.org/subfields/3605","display_name":"Health Information Management"},"field":{"id":"https://openalex.org/fields/36","display_name":"Health Professions"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-banking","display_name":"digital banking","score":1.0},{"id":"https://openalex.org/keywords/cashless-payments","display_name":"cashless payments","score":0.9990000128746033},{"id":"https://openalex.org/keywords/azerbaijan","display_name":"Azerbaijan","score":0.8320000171661377},{"id":"https://openalex.org/keywords/card-payments","display_name":"card payments","score":0.9100000262260437},{"id":"https://openalex.org/keywords/online-banking","display_name":"internet banking","score":0.7620000243186951},{"id":"https://openalex.org/keywords/mobile-banking","display_name":"mobile banking","score":0.9990000128746033},{"id":"https://openalex.org/keywords/digital-literacy","display_name":"digital literacy","score":0.44699999690055847},{"id":"https://openalex.org/keywords/cybersecurity","display_name":"cybersecurity","score":0.878000020980835},{"id":"https://openalex.org/keywords/data-protection","display_name":"data protection","score":0.8740000128746033}],"concepts":[{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.7659000158309937},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.663100004196167},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6409000158309937},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.5734999775886536},{"id":"https://openalex.org/C185822510","wikidata":"https://www.wikidata.org/wiki/Q1956140","display_name":"Payment service provider","level":3,"score":0.4853000044822693},{"id":"https://openalex.org/C108087509","wikidata":"https://www.wikidata.org/wiki/Q1207171","display_name":"ATM card","level":3,"score":0.47940000891685486},{"id":"https://openalex.org/C2777303138","wikidata":"https://www.wikidata.org/wiki/Q13499","display_name":"Debit card","level":4,"score":0.4772000014781952},{"id":"https://openalex.org/C2776291640","wikidata":"https://www.wikidata.org/wiki/Q2912517","display_name":"Value (mathematics)","level":2,"score":0.4731999933719635},{"id":"https://openalex.org/C2776983043","wikidata":"https://www.wikidata.org/wiki/Q986008","display_name":"Payment system","level":3,"score":0.4593000113964081},{"id":"https://openalex.org/C54750564","wikidata":"https://www.wikidata.org/wiki/Q26643","display_name":"Commerce","level":1,"score":0.4377000033855438},{"id":"https://openalex.org/C21021354","wikidata":"https://www.wikidata.org/wiki/Q1207171","display_name":"Payment card","level":3,"score":0.38989999890327454},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.3813000023365021},{"id":"https://openalex.org/C158830683","wikidata":"https://www.wikidata.org/wiki/Q1411457","display_name":"Transfer payment","level":3,"score":0.3303999900817871},{"id":"https://openalex.org/C122941539","wikidata":"https://www.wikidata.org/wiki/Q10836209","display_name":"Electronic money","level":3,"score":0.32910001277923584},{"id":"https://openalex.org/C2992735868","wikidata":"https://www.wikidata.org/wiki/Q66344","display_name":"Central bank","level":3,"score":0.32519999146461487},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.3237999975681305},{"id":"https://openalex.org/C71052197","wikidata":"https://www.wikidata.org/wiki/Q2914495","display_name":"Electronic funds transfer","level":3,"score":0.301800012588501},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.29319998621940613},{"id":"https://openalex.org/C110406131","wikidata":"https://www.wikidata.org/wiki/Q41349","display_name":"Smart card","level":2,"score":0.289000004529953},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.2703000009059906},{"id":"https://openalex.org/C48220719","wikidata":"https://www.wikidata.org/wiki/Q10836209","display_name":"Digital currency","level":3,"score":0.2628999948501587}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.68210/jgeor.a15","doi":"https://doi.org/10.68210/jgeor.a15","is_oa":true,"landing_page_url":"https://doi.org/10.68210/jgeor.a15","pdf_url":"https://jgeor.org/index.php/jgeor/article/download/vol1-no3-pg5-13/vol1-no3-pg5-13","source":{"id":"https://openalex.org/S7407064735","display_name":"Journal of Green Economy and Optimization Research","issn_l":"3136-7968","issn":["3136-7968"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Green Economy and Optimization Research","raw_type":"journal-article"},{"id":"doi:10.5281/zenodo.22205857","doi":"https://doi.org/10.5281/zenodo.22205857","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.22205857","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":null,"raw_source_name":null,"raw_type":"JournalArticle"},{"id":"doi:10.5281/zenodo.22205858","doi":"https://doi.org/10.5281/zenodo.22205858","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.22205858","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":null,"raw_source_name":null,"raw_type":"JournalArticle"}],"best_oa_location":{"id":"doi:10.68210/jgeor.a15","doi":"https://doi.org/10.68210/jgeor.a15","is_oa":true,"landing_page_url":"https://doi.org/10.68210/jgeor.a15","pdf_url":"https://jgeor.org/index.php/jgeor/article/download/vol1-no3-pg5-13/vol1-no3-pg5-13","source":{"id":"https://openalex.org/S7407064735","display_name":"Journal of Green Economy and Optimization Research","issn_l":"3136-7968","issn":["3136-7968"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Green Economy and Optimization Research","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Industry, innovation and infrastructure","id":"https://metadata.un.org/sdg/9","score":0.5378999710083008}],"sustainable_development_goals_aurora":[{"display_name":"Quality education","id":"https://metadata.un.org/sdg/4","score":0.880277156829834}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7204759948.pdf","grobid_xml":"https://content.openalex.org/works/W7204759948.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":[],"abstract_inverted_index":{"This":[0],"study":[1],"focuses":[2],"on":[3,15,30],"the":[4,16,19,31,35,63,76,102,108,120,142,155],"interconnection":[5],"between":[6],"digital":[7,39,97,115,166,202],"banking":[8,98,116,167],"and":[9,22,51,75,152,188,206],"cashless":[10,64,80,170],"payments":[11,40,69,82],"development":[12],"in":[13,58,73,141],"Azerbaijan":[14,38],"basis":[17],"of":[18,34,37,66,78,92,101,110,119,144,154,178,183],"official":[20,44],"statistics":[21,50],"recent":[23],"scientific":[24],"works.":[25],"The":[26,90,162],"analysis":[27],"is":[28,173],"based":[29],"Central":[32],"Bank":[33],"Republic":[36],"reports":[41],"(2023-2025),":[42],"its":[43],"press-release":[45],"(12":[46],"March":[47],"2026)..":[48],"Descriptive":[49],"year":[52,54],"to":[53,71,86,175],"comparison":[55],"are":[56,209],"used,":[57],"addition":[59],"content":[60],"analysis.":[61],"However,":[62,199],"share":[65],"domestic":[67,79],"card":[68,81],"grew":[70],"67.6%":[72],"2025,":[74],"value":[77,91],"increased":[83,186],"by":[84,105,123,149],"26%":[85],"AZN":[87,131,137],"99.1":[88],"billion.":[89,139],"current-account":[93,103,111,121],"transfers":[94,104,112,122,128,135],"made":[95,113],"through":[96,114],"was":[99,117],"82.5%":[100],"value,":[106],"while":[107],"number":[109,143],"94.4%":[118],"number.":[124],"In":[125],"2019,":[126],"internet-banking":[127],"have":[129],"totalled":[130],"308.9":[132],"billion,":[133],"mobile-banking":[134],"\u2013":[136],"73":[138],"Increase":[140],"Instant":[145],"Payments":[146],"System":[147],"transactions":[148],"12.5":[150],"times":[151],"implementation":[153],"unified":[156],"AZQR":[157],"standard":[158],"enhanced":[159],"account-based":[160],"payments.":[161],"results":[163],"show":[164],"that":[165],"correlates":[168],"with":[169],"transformation,":[171],"which":[172],"due":[174],"convenience,":[176],"reduction":[177],"transaction":[179],"cost,":[180],"high":[181],"level":[182],"acceptance":[184],"infrastructure,":[185],"competition,":[187],"user":[189],"trust":[190],"(the":[191],"descriptive":[192],"design":[193],"does":[194],"not":[195],"imply":[196],"causal":[197],"effect).":[198],"cyber":[200],"security,":[201],"literacy,":[203],"unequal":[204],"access":[205],"data":[207],"protection":[208],"still":[210],"relevant":[211],"limitations.":[212]},"counts_by_year":[],"updated_date":"2026-10-07T09:51:55.459714","created_date":"2026-09-01T00:00:00"}
