{"id":97746,"date":"2025-05-22T16:05:16","date_gmt":"2025-05-22T12:05:16","guid":{"rendered":"https:\/\/jam-news.net\/az\/?p=97746"},"modified":"2025-05-23T15:22:55","modified_gmt":"2025-05-23T11:22:55","slug":"4-ayda-azerbaycanlilarin-bank-kartlarindan-6-milyon-ogurlanib-ekspert-deyir-ki-qaydalar-deyisdirilmelidir","status":"publish","type":"post","link":"https:\/\/jam-news.net\/az\/4-ayda-azerbaycanlilarin-bank-kartlarindan-6-milyon-ogurlanib-ekspert-deyir-ki-qaydalar-deyisdirilmelidir\/","title":{"rendered":"4 ayda az\u0259rbaycanl\u0131lar\u0131n bank kartlar\u0131ndan 6 milyon o\u011furlan\u0131b &#8211; ekspert deyir ki, qaydalar d\u0259yi\u015fdirilm\u0259lidir"},"content":{"rendered":"\n<p style=\"font-size:8px\"><strong><em>Az\u0259rbaycanda qar\u015f\u0131s\u0131 al\u0131na bilm\u0259y\u0259n kiberd\u0259l\u0259duzluq<\/em><\/strong><\/p>\n\n\n\n<p><strong>\u201cKiber suverenlik\u201d m\u00f6vzusunda ke\u00e7iril\u0259n panel m\u00fczakir\u0259sind\u0259 Daxili \u0130\u015fl\u0259r Nazirliyinin \u0130nformasiya v\u0259 Kibert\u0259hl\u00fck\u0259sizlik \u015f\u00f6b\u0259sinin r\u0259isi Hikm\u0259t M\u0259mm\u0259dov bildirib ki, \u00f6t\u0259n il 22 milyon, son 4 ayda is\u0259 <a href=\"https:\/\/jam-news.net\/az\/category\/cografiya\/az%c9%99rbaycan\/\" target=\"_blank\" rel=\"noreferrer noopener\">Az\u0259rbaycan<\/a> v\u0259t\u0259nda\u015flar\u0131n\u0131n bank kartlar\u0131ndan \u00fcmumilikd\u0259 6 milyon manat <a href=\"https:\/\/report.az\/hadise\/naxcivanda-konstitusiya-ve-suverenlik-ili-ne-hesr-edilen-kiber-suverenlik-konfransi-kecirilib\/\" target=\"_blank\" rel=\"noreferrer noopener\">o\u011furlan\u0131b<\/a>. <\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/jam-news.net\/app\/uploads\/2025\/05\/image-22-1024x684.png\" alt=\"Az\u0259rbaycanda qar\u015f\u0131s\u0131 al\u0131na bilm\u0259y\u0259n kiberd\u0259l\u0259duzluq\" class=\"wp-image-97747\" style=\"width:318px;height:auto\" srcset=\"https:\/\/jam-news.net\/app\/uploads\/2025\/05\/image-22-1024x684.png 1024w, https:\/\/jam-news.net\/app\/uploads\/2025\/05\/image-22-300x201.png 300w, https:\/\/jam-news.net\/app\/uploads\/2025\/05\/image-22-768x513.png 768w, https:\/\/jam-news.net\/app\/uploads\/2025\/05\/image-22.png 1197w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Osman G\u00fcnd\u00fcz | foto: oxu.az<\/figcaption><\/figure><\/div>\n\n\n<p>M\u0259s\u0259l\u0259y\u0259 m\u00fcnasib\u0259t bildir\u0259n \u0130nformasiya Kommunikasiya T\u0259hl\u00fck\u0259sizliyi \u00fczr\u0259 ekspert Osman G\u00fcnd\u00fcz bu m\u0259lumat\u0131n r\u0259smi s\u0259viyy\u0259d\u0259 a\u00e7\u0131qlanmas\u0131n\u0131n m\u00fcsb\u0259t add\u0131m oldu\u011funu des\u0259 d\u0259, <strong>M\u0259rk\u0259zi Bank\u0131n v\u0259 dig\u0259r d\u00f6vl\u0259t qurumlar\u0131n\u0131n bu vaxta q\u0259d\u0259r reaksiyas\u0131z qalmas\u0131n\u0131 <a href=\"https:\/\/www.facebook.com\/share\/p\/18Y6BeTyVo\/?mibextid=wwXIfr\" target=\"_blank\" rel=\"noreferrer noopener\">t\u0259nqid edib.<\/a><\/strong><\/p>\n\n\n\n<p><em>\u201cBu r\u0259smi a\u00e7\u0131qlamadan sonra M\u0259rk\u0259zi Bank d\u0259rhal reaksiya verm\u0259li idi. H\u0259l\u0259lik is\u0259 bunlar m\u00fc\u015fahid\u0259 olunmur. K\u00fctl\u0259vi talamalar art\u0131q adil\u0259\u015fib. Art\u0131q h\u0259r g\u00fcn g\u00f6zl\u0259yirik ki, D\u0130N r\u0259smisi kartlardan n\u0259 q\u0259d\u0259r pul o\u011furland\u0131\u011f\u0131n\u0131 a\u00e7\u0131qlayacaq. H\u00f6kum\u0259t bu t\u0259hl\u00fck\u0259y\u0259 qar\u015f\u0131 n\u0259tic\u0259 ver\u0259c\u0259k t\u0259dbirl\u0259ri n\u0259 vaxt g\u00f6r\u0259c\u0259k?\u201d, <\/em>&#8211; dey\u0259 O.G\u00fcnd\u00fcz sual edir.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/jam-news.net\/app\/uploads\/2025\/05\/image-23.png\" alt=\"Az\u0259rbaycanda qar\u015f\u0131s\u0131 al\u0131na bilm\u0259y\u0259n kiberd\u0259l\u0259duzluq\" class=\"wp-image-97748\" style=\"width:310px;height:auto\" srcset=\"https:\/\/jam-news.net\/app\/uploads\/2025\/05\/image-23.png 800w, https:\/\/jam-news.net\/app\/uploads\/2025\/05\/image-23-300x169.png 300w, https:\/\/jam-news.net\/app\/uploads\/2025\/05\/image-23-768x432.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\">El\u015fad Hac\u0131yev | foto: valyuta.az<\/figcaption><\/figure><\/div>\n\n\n<p><strong>D\u0130N-in m\u0259tbuat xidm\u0259tinin r\u0259hb\u0259ri El\u015fad Hac\u0131yev<\/strong> is\u0259 may\u0131n 2-i Bak\u0131da ke\u00e7iril\u0259n media forumunda \u00e7\u0131x\u0131\u015f ed\u0259r\u0259k bildirib ki, bank kartlar\u0131 il\u0259 ba\u011fl\u0131 f\u0131r\u0131ldaq\u00e7\u0131l\u0131q hallar\u0131n\u0131n \u0259sas s\u0259b\u0259bi \u015f\u0259xsi m\u0259lumatlar\u0131n ba\u015fqalar\u0131na <a href=\"https:\/\/report.az\/media-xeber\/elsad-haciyev-bank-kartlarindan-ogurlugun-qarsisinin-alinmasi-sexsin-ozunden-asilidir\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00f6t\u00fcr\u00fclm\u0259sidir<\/a>:<\/p>\n\n\n\n<p><em>\u201cHe\u00e7 bir v\u0259t\u0259nda\u015f kart m\u0259lumatlar\u0131n\u0131 xarici z\u0259ngl\u0259r\u0259 cavab ver\u0259r\u0259k v\u0259 ya onlayn platformalarda payla\u015fmamal\u0131d\u0131r. Bu, o\u011furluq hallar\u0131na \u015f\u0259rait yarad\u0131r. Bank kart\u0131 o\u011furluqlar\u0131n\u0131n qar\u015f\u0131s\u0131 ilk n\u00f6vb\u0259d\u0259 v\u0259t\u0259nda\u015f\u0131n diqq\u0259tind\u0259n as\u0131l\u0131d\u0131r\u201d.<\/em><\/p>\n\n\n\n<p>Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu sah\u0259d\u0259 apar\u0131lan maarifl\u0259ndirm\u0259 n\u0259tic\u0259sind\u0259 d\u0259l\u0259duzluq hallar\u0131n\u0131n say\u0131 \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 azal\u0131b &#8211; \u0259vv\u0259ll\u0259r g\u00fcnd\u0259lik 50-y\u0259 yax\u0131n bel\u0259 hal qeyd\u0259 al\u0131n\u0131rd\u0131sa, indi bu r\u0259q\u0259m 10-20 aras\u0131nda d\u0259yi\u015fir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Statistika gizlidir<\/strong><\/h3>\n\n\n\n<p>Az\u0259rbaycanda <strong>r\u0259q\u0259msal \u00f6d\u0259ni\u015f sisteml\u0259rind\u0259 o\u011furluq hallar\u0131na dair ictimaiyy\u0259t\u0259 a\u00e7\u0131q statistik m\u0259lumatlar yoxdur<\/strong>. Daxili \u0130\u015fl\u0259r Nazirliyi, M\u0259rk\u0259zi Bank v\u0259 X\u00fcsusi Rabit\u0259 v\u0259 \u0130nformasiya T\u0259hl\u00fck\u0259sizliyi D\u00f6vl\u0259t Xidm\u0259ti kibercinay\u0259tl\u0259rl\u0259 ba\u011fl\u0131 \u00fcmumi g\u00f6st\u0259ricil\u0259r payla\u015fsalar da, hans\u0131 bankda v\u0259 ya mobil t\u0259tbiqd\u0259 o\u011furluq hallar\u0131n\u0131n daha \u00e7ox ba\u015f verdiyin\u0259 dair m\u0259lumat yoxdur.<\/p>\n\n\n\n<p>2023-c\u00fc ilin sonuna olan m\u0259lumata \u0259sas\u0259n, Az\u0259rbaycan Milli Kibert\u0259hl\u00fck\u0259sizlik \u0130ndeksind\u0259 <a href=\"https:\/\/www.pashabank.az\/press_centre%2C1899\/print_preview\/lang%2Caz\/\" target=\"_blank\" rel=\"noreferrer noopener\">52-ci yeri tutub.<\/a> Bu g\u00f6st\u0259rici texniki inki\u015faf\u0131 ifad\u0259 ets\u0259 d\u0259, <strong>r\u0259q\u0259msal o\u011furluq hallar\u0131n\u0131n miqyas\u0131 v\u0259 konkret banklar \u00fczr\u0259 riskl\u0259r qaranl\u0131q qal\u0131r.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/jam-news.net\/az\/hokum%c9%99t-bu-m%c9%99nz%c9%99r%c9%99ni-utancverici-hesab-etm%c9%99lidir-az%c9%99rbaycanin-idxal-ixrac-statistikasina-iqtisadci-s%c9%99rhi\/\" target=\"_blank\" rel=\"noreferrer noopener\">&#8220;H\u00f6kum\u0259t bu m\u0259nz\u0259r\u0259ni utancverici hesab etm\u0259lidir&#8221; &#8211; Az\u0259rbaycan\u0131n idxal-ixrac statistikas\u0131na iqtisad\u00e7\u0131 \u015f\u0259rhi<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/jam-news.net\/az\/kartdan-karta-od%c9%99nis%c9%99-gor%c9%99-c%c9%99rim%c9%99l%c9%99r\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u201cCard-to-card\u201d ed\u0259n ticar\u0259t v\u0259 ia\u015f\u0259 obyektl\u0259rin\u0259 b\u00f6y\u00fck c\u0259rim\u0259l\u0259r Az\u0259rbaycan iqtisadiyyat\u0131n\u0131 k\u00f6lg\u0259d\u0259n \u00e7\u0131xaracaqm\u0131?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/jam-news.net\/az\/az%c9%99rbaycanda-vergil%c9%99r\/\" target=\"_blank\" rel=\"noreferrer noopener\">Az\u0259rbaycanda bazar alver\u00e7il\u0259ri vergi \u00f6d\u0259y\u0259c\u0259kl\u0259rmi?<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Banklar n\u0259 deyir?<\/strong><\/h3>\n\n\n\n<p>Ayr\u0131-ayr\u0131 banklar, m\u0259s\u0259l\u0259n <strong>PA\u015eA Bank<\/strong>, kibert\u0259hl\u00fck\u0259sizlik sah\u0259sind\u0259 t\u0259dbirl\u0259r g\u00f6rd\u00fckl\u0259rini v\u0259 beyn\u0259lxalq standartlara uy\u011funluq (PCI DSS) sertifikat\u0131 ald\u0131qlar\u0131n\u0131 <a href=\"https:\/\/www.pashabank.az\/press_centre%2C1899\/lang%2Caz\/\" target=\"_blank\" rel=\"noreferrer noopener\">a\u00e7\u0131qlay\u0131b<\/a>. Kapital Bank v\u0259 ABB kimi banklar da ikifaktorlu autentifikasiya kimi vasit\u0259l\u0259rl\u0259 t\u0259hl\u00fck\u0259sizliyi t\u0259min etdikl\u0259rini bildirirl\u0259r. <strong>Ancaq real o\u011furluq hallar\u0131 bar\u0259d\u0259 statistika payla\u015f\u0131lm\u0131r.<\/strong><\/p>\n\n\n\n<p>Osman G\u00fcnd\u00fcz qeyd edir ki, <strong>\u0259n \u00e7ox o\u011furluq hallar\u0131 m\u00fc\u015fahid\u0259 olunan banklar\u0131n adlar\u0131 M\u0259rk\u0259zi Bank v\u0259 D\u0130N-d\u0259 m\u00f6vcuddur<\/strong>, lakin ictimaiyy\u0259t\u0259 a\u00e7\u0131qlanm\u0131r:<\/p>\n\n\n\n<p><em>\u201cBu m\u0259lumatlar\u0131n a\u00e7\u0131qlanmas\u0131 ciddi ictimai q\u0131naq yarada bil\u0259rdi. Amma g\u00f6r\u00fcn\u00fcr, banklar\u0131n reputasiya itkil\u0259ri qorxusu s\u0259b\u0259bind\u0259n bu ba\u015f vermir\u201d.<\/em><\/p>\n\n\n\n<p><em>&#8220;M\u0259rk\u0259zi Bank Qaydalar\u0131na \u0259l g\u0259zdirm\u0259lidir, identifikasiya i\u015fl\u0259ri s\u0259rtl\u0259\u015fdirilm\u0259lidir, banklar o\u011furlanm\u0131\u015f v\u0259saitl\u0259r\u0259 g\u00f6r\u0259 m\u0259suliyy\u0259t da\u015f\u0131mal\u0131d\u0131r. \u201cSiz t\u0259sdiql\u0259misiniz\u201d dey\u0259r\u0259k m\u0259suliyy\u0259td\u0259n yay\u0131nmaq q\u0259bulolunmazd\u0131r&#8221;.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>H\u00fcquqi \u00e7\u0259r\u00e7iv\u0259 n\u0259 q\u0259d\u0259r yet\u0259rlidir?<\/strong><\/h3>\n\n\n\n<p>Az\u0259rbaycanda 2010-cu ild\u0259 q\u0259bul olunmu\u015f <a href=\"https:\/\/e-qanun.az\/framework\/19675\" target=\"_blank\" rel=\"noreferrer noopener\">\u201cF\u0259rdi m\u0259lumatlar haqq\u0131nda\u201d qanun<\/a> bu sah\u0259d\u0259 \u0259sas h\u00fcquqi \u00e7\u0259r\u00e7iv\u0259dir. Lakin ekspertl\u0259rin fikrinc\u0259, qanun <strong>m\u00fcasir r\u0259q\u0259msal riskl\u0259ri qar\u015f\u0131lam\u0131r<\/strong> v\u0259 beyn\u0259lxalq standartlarla (m\u0259s\u0259l\u0259n, Avropa \u0130ttifaq\u0131n\u0131n GDPR t\u0259l\u0259bl\u0259ri) m\u00fcqayis\u0259d\u0259 xeyli gerid\u0259 qal\u0131r.<\/p>\n\n\n\n<p>Avropa \u0130ttifaq\u0131n\u0131n \u00dcmumi M\u0259lumatlar\u0131n Qorunmas\u0131 T\u0259nziml\u0259m\u0259si (GDPR) \u015f\u0259xsi m\u0259lumatlar\u0131n toplanmas\u0131, i\u015fl\u0259nm\u0259si v\u0259 saxlanmas\u0131n\u0131 t\u0259nziml\u0259y\u0259n bir <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?uri=CELEX%3A32016R0679\" target=\"_blank\" rel=\"noreferrer noopener\">qanundur<\/a>. 2018-ci il may\u0131n 25-d\u0259 q\u00fcvv\u0259y\u0259 minmi\u015f GDPR, A\u0130 v\u0259t\u0259nda\u015flar\u0131n\u0131n m\u0259lumatlar\u0131n\u0131n qorunmas\u0131n\u0131 t\u0259min etm\u0259k v\u0259 \u015firk\u0259tl\u0259r\u0259 ciddi m\u0259suliyy\u0259tl\u0259r y\u00fckl\u0259m\u0259k m\u0259qs\u0259di da\u015f\u0131y\u0131r.<\/p>\n\n\n\n<p><em>&#8220;Banklarda m\u00fc\u015ft\u0259ri m\u0259lumatlar\u0131na \u00e7\u0131x\u0131\u015f\u0131 olan \u015f\u0259xsl\u0259r \u00fcz\u0259rind\u0259 n\u0259zar\u0259t v\u0259 daxili audit sisteml\u0259ri z\u0259ifdir. H\u0259m\u00e7inin, <strong>xarici v\u0259t\u0259nda\u015flar\u0131n bank sisteml\u0259rind\u0259 i\u015fl\u0259m\u0259sin\u0259 dair he\u00e7 bir qada\u011fa yoxdur<\/strong>, bu da potensial t\u0259hl\u00fck\u0259 yarad\u0131r&#8221; <\/em>&#8211; Osman G\u00fcnd\u00fcz bel\u0259 deyir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Beyn\u0259lxalq t\u0259cr\u00fcb\u0259 n\u0259 deyir?<\/strong><\/h3>\n\n\n\n<p>El\u015fad Hac\u0131yev h\u0259m\u00e7inin <a href=\"https:\/\/valyuta.az\/az\/read\/69779\/\" target=\"_blank\" rel=\"noreferrer noopener\">deyib ki<\/a>, <em>&#8220;Avropada kiberd\u0259l\u0259duzlu\u011fa g\u00f6r\u0259 z\u0259r\u0259r\u00e7\u0259kmi\u015f he\u00e7 kimin pulu geri qay\u0131tmay\u0131b&#8221;.<\/em><\/p>\n\n\n\n<p>Lakin, <strong><a href=\"https:\/\/jam-news.net\/az\/category\/cografiya\/turkiy%c9%99\/\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00fcrkiy\u0259<\/a><\/strong> v\u0259 <strong>Avropa \u0130ttifaq\u0131nda<\/strong> r\u0259q\u0259msal \u00f6d\u0259ni\u015f sisteml\u0259rind\u0259 ba\u015f ver\u0259n o\u011furluq hallar\u0131nda banklar z\u0259r\u0259rin \u0259sas hiss\u0259sini <a href=\"https:\/\/www.resmigazete.gov.tr\/eskiler\/2020\/03\/20200315-10.htm\" target=\"_blank\" rel=\"noreferrer noopener\">kompensasiya edir<\/a>. PSD2 <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?uri=CELEX%3A32015L2366\" target=\"_blank\" rel=\"noreferrer noopener\">direktivin\u0259<\/a> \u0259sas\u0259n, <strong>Avropa banklar\u0131 icaz\u0259siz \u0259m\u0259liyyatlara g\u00f6r\u0259 24 saat \u0259rzind\u0259 kompensasiya \u00f6d\u0259m\u0259y\u0259 m\u0259cburdur<\/strong> &#8211; \u0259g\u0259r m\u00fc\u015ft\u0259ri s\u0259hl\u0259nkarl\u0131q etm\u0259yibs\u0259.<\/p>\n\n\n\n<p><strong>\u00d6d\u0259ni\u015f Xidm\u0259tl\u0259ri Direktivi 2<\/strong>&nbsp;(PSD2) Avropa \u0130qtisadi Zonas\u0131nda (EEA) \u00f6d\u0259ni\u015f xidm\u0259tl\u0259ri v\u0259 provayderl\u0259r\u0259 n\u0259zar\u0259t ed\u0259n t\u0259nziml\u0259m\u0259dir. Onun m\u0259qs\u0259di \u00f6d\u0259ni\u015f s\u0259nayesind\u0259 r\u0259qab\u0259ti, innovasiyan\u0131 v\u0259 t\u0259hl\u00fck\u0259sizliyi art\u0131rmaqd\u0131r.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/jam-news.net\/az\/category\/cografiya\/gurcustan\/\" target=\"_blank\" rel=\"noreferrer noopener\">G\u00fcrc\u00fcstanda<\/a><\/strong> is\u0259 banklar illik kiber t\u0259hl\u00fck\u0259sizlik auditi t\u0259qdim etm\u0259lidirl\u0259r v\u0259 m\u0259lumat s\u0131zmalar\u0131 il\u0259 ba\u011fl\u0131 ictimaiyy\u0259t\u0259 hesabat verirl\u0259r. Az\u0259rbaycanda is\u0259 bu tip hesabatl\u0131l\u0131q mexanizml\u0259ri yoxdur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>T\u0259klifl\u0259r n\u0259dir?<\/strong><\/h3>\n\n\n\n<p>Osman G\u00fcnd\u00fcz deyir ki, n\u0259 q\u0259d\u0259r faydal\u0131 v\u0259 vacib olsa da, maarifl\u0259nm\u0259 v\u0259 r\u0259q\u0259msal savadl\u0131l\u0131qla bu problemi tez bir zamanda h\u0259ll etm\u0259k \u00e7\u0259tin olacaq. O, problemin aradan qald\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn a\u015fa\u011f\u0131dak\u0131 add\u0131mlar\u0131 t\u0259klif edir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u018fn \u00e7ox o\u011furluq olan banklar\u0131n ictimaiyy\u0259t\u0259 a\u00e7\u0131qlanmas\u0131<\/strong>;<\/li>\n\n\n\n<li><strong>M\u0259rk\u0259zi Bank\u0131n identifikasiya qaydalar\u0131n\u0131n s\u0259rtl\u0259\u015fdirilm\u0259si<\/strong>;<\/li>\n\n\n\n<li><strong>Mobil t\u0259tbiql\u0259rin kodlar\u0131n\u0131n audit olunmas\u0131 v\u0259 \u201cSOS\u201d t\u0259hl\u00fck\u0259 d\u00fcym\u0259sinin yarad\u0131lmas\u0131<\/strong>;<\/li>\n\n\n\n<li><strong>Bank v\u0259 mobil operatorlarda daxili n\u0259zar\u0259tin g\u00fccl\u0259ndirilm\u0259si<\/strong>;<\/li>\n\n\n\n<li><strong>Kiber o\u011furluqlara g\u00f6r\u0259 h\u00fcquqi m\u0259suliyy\u0259tin s\u0259rtl\u0259\u015fdirilm\u0259si<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>R\u0259q\u0259msal \u00f6d\u0259ni\u015fl\u0259rin artmas\u0131 fonunda ba\u015f ver\u0259n k\u00fctl\u0259vi o\u011furluq hallar\u0131na qar\u015f\u0131 d\u00f6vl\u0259t v\u0259 bank sektorunun s\u00fckutu suallar do\u011furur.<\/strong> Statistikan\u0131n gizl\u0259dilm\u0259si, \u015f\u0259ffafl\u0131\u011f\u0131n olmamas\u0131 v\u0259 ictimai m\u0259lumatland\u0131rman\u0131n z\u0259ifliyi bu m\u0259s\u0259l\u0259nin daha da d\u0259rinl\u0259\u015fm\u0259sin\u0259 yol a\u00e7\u0131r. Beyn\u0259lxalq t\u0259cr\u00fcb\u0259 g\u00f6st\u0259rir ki, \u015f\u0259ffafl\u0131q v\u0259 m\u0259suliyy\u0259t kiber t\u0259hl\u00fck\u0259sizliyin \u0259sas dayaqlar\u0131d\u0131r. Az\u0259rbaycan is\u0259, h\u0259l\u0259lik, bu yana\u015fmadan uzaqd\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az\u0259rbaycanda qar\u015f\u0131s\u0131 al\u0131na bilm\u0259y\u0259n kiberd\u0259l\u0259duzluq &#8211; D\u0130N deyir m\u0259suliyy\u0259t v\u0259t\u0259nda\u015f\u0131nd\u0131r, ekspert deyir qanunvericilik d\u0259yi\u015fm\u0259lidir<\/p>\n","protected":false},"author":60,"featured_media":97749,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,4043,50,49],"tags":[18,101,96,152,153,157],"formation":[],"post-author":[2888],"topic":[4952],"tooltip":[],"city":[6041],"class_list":["post-97746","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-azrbaycan","category-explainer","category-xbrlr","category-srh","tag-azrbaycan","tag-qafqaz","tag-qafqaz-iqtisadiyyati","tag-qafqaz-xbrlri","tag-qafqazda-hyat","tag-xbrlr","post-author-jamnews","topic-azrbaycan","city-baki"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Az\u0259rbaycanda qar\u015f\u0131s\u0131 al\u0131na bilm\u0259y\u0259n kiberd\u0259l\u0259duzluq \/JAMnews<\/title>\n<meta name=\"description\" content=\"Az\u0259rbaycanda qar\u015f\u0131s\u0131 al\u0131na bilm\u0259y\u0259n kiberd\u0259l\u0259duzluq - D\u0130N deyir m\u0259suliyy\u0259t v\u0259t\u0259nda\u015f\u0131nd\u0131r, ekspert deyir qanunvericilik d\u0259yi\u015fm\u0259lidir\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jam-news.net\/az\/4-ayda-azerbaycanlilarin-bank-kartlarindan-6-milyon-ogurlanib-ekspert-deyir-ki-qaydalar-deyisdirilmelidir\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 ayda az\u0259rbaycanl\u0131lar\u0131n bank kartlar\u0131ndan 6 milyon o\u011furlan\u0131b - ekspert deyir ki, qanunvericilik d\u0259yi\u015fdirilm\u0259lidir\" \/>\n<meta property=\"og:description\" content=\"Az\u0259rbaycanda qar\u015f\u0131s\u0131 al\u0131na bilm\u0259y\u0259n kiberd\u0259l\u0259duzluq - D\u0130N deyir m\u0259suliyy\u0259t v\u0259t\u0259nda\u015f\u0131nd\u0131r, ekspert deyir qanunvericilik d\u0259yi\u015fm\u0259lidir\" \/>\n<meta property=\"og:url\" content=\"https:\/\/jam-news.net\/az\/4-ayda-azerbaycanlilarin-bank-kartlarindan-6-milyon-ogurlanib-ekspert-deyir-ki-qaydalar-deyisdirilmelidir\/\" \/>\n<meta property=\"og:site_name\" content=\"Azerbaijani Jamnews\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/JAMnewsInEnglish\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-22T12:05:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-23T11:22:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/jam-news.net\/app\/uploads\/2025\/05\/Untitled-design-14.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"elmisham\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"4 ayda az\u0259rbaycanl\u0131lar\u0131n bank kartlar\u0131ndan 6 milyon o\u011furlan\u0131b - ekspert deyir ki, qanunvericilik d\u0259yi\u015fdirilm\u0259lidir\" \/>\n<meta name=\"twitter:creator\" content=\"@JAMnewsCaucasus\" \/>\n<meta name=\"twitter:site\" content=\"@JAMnewsCaucasus\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"elmisham\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/jam-news.net\/az\/4-ayda-azerbaycanlilarin-bank-kartlarindan-6-milyon-ogurlanib-ekspert-deyir-ki-qaydalar-deyisdirilmelidir\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/jam-news.net\/az\/4-ayda-azerbaycanlilarin-bank-kartlarindan-6-milyon-ogurlanib-ekspert-deyir-ki-qaydalar-deyisdirilmelidir\/\"},\"author\":{\"name\":\"elmisham\",\"@id\":\"https:\/\/jam-news.net\/az\/#\/schema\/person\/eb45af4c98a871b32118a93d3d66e159\"},\"headline\":\"4 ayda az\u0259rbaycanl\u0131lar\u0131n bank kartlar\u0131ndan 6 milyon o\u011furlan\u0131b &#8211; 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