Bir, the Caucasus’ first integrated banking,
payments, and e-commerce ecosystem, presented its roadmap for
national digital financial services at Istanbul Fintech Week
2026.


Speaking at the Digital Banking Summit on October 7,
Javid Mirzayev, Head of Fintech business
of the Bir ecosystem and First Deputy Chairman of Kapital Bank,
outlined how an established bank successfully scaled a digital
ecosystem to over 5 million users. “At Bir, we connected banking,
payments, and shopping under a single umbrella to simplify everyday
life,” Mirzayev said. “We are showing the international
community that legacy banks don't have to be disrupted by fintechs.
By adapting to practical customer needs, they can lead the digital
shift.”


During “The Digital Bank: Born or Built?” panel,
moderated by KOOP Ventures Co-Founder Mustafa Baltacı, Mirzayev
joined Bank of Valletta's Head of Innovation, Ludwig Mallia, to
explain Bir's structure. He described how the Bir
ecosystem integrates Kapital Bank’s digital banking brand, Birbank,
alongside the Birmarket online marketplace, the m10 digital wallet,
and Milliön payment terminals to create seamless digital
experiences for customers.







Mirzayev also detailed how tools like Bir ID, Bir
Bonus, and Bir Pay unify these platforms, giving users a single way
to move between Bir ecosystem services, earn rewards, and
pay online or in-store. For example, a customer can shop on
Birmarket and secure Birbank financing directly at checkout. He
highlighted the resulting shift in consumer behavior, noting that
90% of customers now use the Birbank app for daily banking.
Furthermore, operational efficiency has surged, with 60% of all
customer support requests now resolved entirely without human
intervention – nearly double last year’s level of
31%.


Mirzayev’s participation in Istanbul Fintech Week comes as Bir
continues to communicate Azerbaijan’s digital transformation on the
global stage. Since 2019, the event has brought
together more than 17,000 participants from 62 countries,
establishing itself as one of the leading international platforms
in the financial technology sector.