Responsible scope:• Sales channels and workplace systems (interfaces)• Telesales/Telemarketing/Direct Sales/Digital sales• Branch sales support• Contact center• Chat (and social media) • Payments kiosks (ATM/ADM/Cash-ins/Card Avtomat)• POS/E-com/Mobile POS• Customer services quality control management system• Mobile bank “Birbank” sign in/up, CX/UX and integration with SSO “BIR ID”• Mobile bank “Digital Office” • Complaint management, statuses, tracking• Preventive module for detection of potential problems of customers • Document delivery (with courier/ statement, embassy applications and etc)Projects:• Work force management (shift load prediction)• Real-time pre-approval• Evaluation platform for evaluate customer services quality power by AI (speech analytics, sentiments identification, check tone of voice, faq) we called it "EVA"• Virtual assistant “AILA” (Chat and ivr/voice assistant)• Launching Chat bot full power by AI (self trained in native language), the main specification of our model that it is able to do bank operation and solve issues on real time• Preventive module IVR for detection of potential problems of customers and offer them solving during the call • Proactive module IVR for detention of potentials problems of customers and offer them solving before customers` request• Paperless documents signing in bank branches (81% customers don’t take paper document)• Launching business cases base on AI model Speech to text• Launching business cases base on AI model Text to speech • Launching Chat bot full power by AI for corporate customers• Avtocaller for digital sales (cashloan, credit cards, micro business loans, umico marketplace loans) – digitalization and optimization telesales and telemarketing teams` work• Single interface for customer service with 360 information we called it “ODIN” • Voice Recognition/ Voice Biometrics • Fist Card automat for issuing salary card (power by Face recognition technology)

Responsible scope:• Physical product onboarding• Digital and credit products onboarding• Non-credit products onboarding• Marketplace lending flow• State Education loans • Sales channels and workplace system (interfaces)• Telesales/Telemarketing/Direct sales/Digital sales• Branch sales support• Contact center• Chat (and social media)• Branch optimizationProjects:• Launching umico marketplace lending online flow full end to end • Launching first full digital (e2e) education loans for students power by “Student Loan Fund for Education" (Ministry of Education and Science)• Prepaid cards sales flows and project (card sale in most of markets in country)• Single interface for Telesales, Direct sales, telemarketing, and their controllers and leader. It is platform for sales with 360 sales info, lead management pool, employee pool management, shift management

Responsible scope:• Telesales• Telemarketing• Direct Sales• Digital sales• Branch sales support• Branch optimization• Operations optimization• Sales/Service optimization and DigitalizationProjects:DVS (digital verification system): • module for verification, identification and check of liveness of customers (base on ai technologies face recognition and liveness)• module for document digital signing (paperless with checkbox)• first system in Azerbaican which made it possible to sell bank products full online (end to end) with out visit bank branches• Launching first in republic full online (e2e) loan and credit/debet cards sales (with card delivery, face recognition, paperless)

Responsible scope:• Digital sales • Branch optimization• Operations optimization• Sales/Service optimization and DigitalizationProjects:• Optimus BPM (first BPM base on microservices, result of “digital workforce” project with company IBM IX )

Responsible scope:• Retail sales transformation of the branches• Sales and process/flow organization• Consumer loans• Cash loan • Credit cards• Mortgage • Cars loan/ leasing • Gold collateral loans • Alternative bank product• Ijara (lease back)Projects:• Core banking system migration T24 to new module• Bonus and other motivation management system • Campaign management system • Single interface base on BPM and CRM for all employees• Integration with cards processing systems • Integration with Payments systems (3rd part/ e-com and cash-ins)• Creation of docflow• Creation of loan committees decision flows (full digital/e2e/paperless)• Online product order landing pages • Sales competition and gamification system