FINTECH-ENABLED FINANCIAL LEASING IN AZERBAIJAN: DIGITAL CREDIT ASSESSMENT, RISK MANAGEMENT AND REGULATORY REFORM

Abstract

Financial leasing can give Azerbaijani enterprises access to productive assets without requiring the full acquisition price at the outset. Digital identification, transactional information and automated payment monitoring may improve this instrument, but they do not eliminate borrower, asset or operational risks. This article evaluates fintech-enabled leasing through the existing legal framework, official credit statistics and evidence on alternative-data underwriting. Attention is given to the financial leasing law adopted in 2026, whose provisions were not yet effective in October 2026