The Central Bank of the Republic of Azerbaijan has held an event with representatives of banks and fintech organisations focused on the digital transformation of the payments ecosystem and its development prospects. The main topics were broader adoption of digital payment instruments, development trends and future plans for the Instant Payment System, AZQR payments, and open banking solutions, including new opportunities for banks and fintechs. Presentations covered the effect of QR payments and payments executed through the Instant Payment System on consumer payment behaviour, the need to strengthen cooperation among market participants, and the importance of forming common standards. The event also included a panel discussion with the Central Bank, the Azerbaijan Banks Association, the Azerbaijan Fintech Association, and industry participants on the development of digital payment solutions, the use of innovative approaches, cooperation opportunities across the market, and future strategic directions.