Reforger Payment System: The AI-Powered Guide to Financial Inclusion

October 7, 2025
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The Digital Payment Deficit

Despite Azerbaijan's robust and growing digital landscape, with 89% of the population using the internet and over 20 million bank cards in circulation, a significant gap remains in the payment ecosystem. The core challenge is the lack of an inclusive, intelligent, and affordable system tailored for small businesses. Existing solutions often fail to integrate advanced analytical tools, leaving businesses without crucial AI guidance in their payment processes, and neglecting the need for genuinely cost-effective and accessible payment acceptance for SMEs.

The Reforger Solution: Traditional Payments, AI-Enhanced

The Reforger Payment System addresses this gap by creating a seamless blend of traditional and Artificial Intelligence (AI) technology. Reforger is positioned as a truly distinctive market player, providing features that competitors do not, such as AI-powered financial analysis, Voice UI for hands-free operations, and direct integration with e-commerce sites. This "affordable and fast" platform operates on a dual business model: a B2C channel for standard user payments and a B2B channel offering affordable, subscription-based payment acceptance for small businesses. By monetizing with a low 1% commission per payment, Reforger ensures its services are accessible to the most vulnerable segment of the economy.

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Market Opportunity and Strategic Alignment

The local market presents an immense opportunity, fueled by 66.5 billion manat in e-commerce transactions which account for 53% of non-cash payments. Reforger targets this booming digital economy with a unique competitive edge, being the only platform to offer a comprehensive suite of features, including dedicated business subscription plans that empower SMEs to digitalize efficiently. Furthermore, the system is designed to fully support the "Artificial Intelligence Strategy of the Republic of Azerbaijan for 2025-2028", positioning it as a key driver of national digital transformation and economic diversification.

Contribution to Sustainable Development Goals (SDGs)

By leveraging digital financial inclusion and AI technology, the Reforger Payment System makes a concrete contribution to global sustainable development:

  • SDG 8: Decent Work and Economic Growth: The platform promotes sustained, inclusive economic growth by offering an affordable, subscription-based payment system for Small and Medium-sized Enterprises (SMEs). This grants businesses access to essential financial tools, enabling them to grow, formalize, and create more decent employment opportunities.
  • SDG 9: Industry, Innovation and Infrastructure: As a novel platform utilizing advanced AI for financial analysis and Voice UI, Reforger supports technological innovation and the development of quality, reliable digital infrastructure, aligning with Azerbaijan’s national AI strategy.
  • SDG 10: Reduced Inequalities: The system's emphasis on inclusivity and affordability, being built to serve segments often neglected by larger providers, works to reduce financial inequality by ensuring that marginalized communities and small businesses have equal access to robust digital financial services.
  • SDG 1: No Poverty:By promoting financial inclusion, especially for low-income entrepreneurs through accessible payment tools, Reforger helps users manage financial shocks, build savings, and access economic opportunities, contributing directly to poverty reduction.
  • SDG 5: Gender Equality: Digital financial services are crucial for empowering women by giving them greater control over their finances and reducing barriers to economic participation, which Reforger facilitates through its accessible digital platform.

The development of this project was notably supported and guided by the dedicated teachers and experienced mentors from the Department of Information Security and Technologies, whose expertise was crucial in shaping the technical architecture and strategic vision of the Reforger Payment System.