How e-signature is reshaping business: a new working model for entrepreneurs

As navigator.az reports, business processes in Azerbaijan have been rapidly shifting in recent years from paper documents and procedures requiring physical presence to digital alternatives. The material notes that the most visible element of this transformation is the integration of e-signature technologies, especially mobile-based solutions, into everyday business operations.

Previously, opening an account or confirming a contract could take a small or medium business owner several hours or even days. According to the source, this model increased operating costs and limited the entrepreneur's time. Now, systems such as «SİMA İmza» allow identification via mobile phone, removing the need to visit an office in person to sign documents.

Bank integrations and figures

According to the source, the number of users of the «SİMA İmza» app has exceeded 6 million. Integration with ABB and Pasha Bank is already in place, while the announcement about integration with Kapital Bank has generated significant market interest. The material also states that full integration with the tax system was completed last year, and the State Tax Service is discussing a shift toward an AI-based reporting model.

navigator.az notes that the QR-sharing function allows an entrepreneur to temporarily transfer signing authority to an accountant, which increases efficiency for teams.

What shows up in the Prayk catalog

Digitalization is not limited to government processes — a similar scale can be observed in classifieds activity. Prayk currently has 9,042 registered stores, with 1,015,290 listings published on the platform overall and 28,031 registered users. The «Goods» section contains 367,830 listings, reflecting the scale of online activity among small and medium businesses.

For an entrepreneur opening a store, faster document workflows matter directly — everyday tasks such as posting listings, adjusting prices, or managing a catalog are also completed faster through digital tools.

What entrepreneurs should do tomorrow

For those who haven't yet switched to mobile signature solutions, the first step is to review available digital integrations with banks and tax authorities. For teams, the temporary signing-authority transfer feature can speed up document workflows. Entrepreneurs working in online sales or services should set up a store page and improve visibility in the catalog.

This may be useful: store catalog, services section and the jobs page.

Source: navigator.az, 05.11.2026.