Emotix Insights
Independent customer-experience research on the Azerbaijani market. What people want, where they get stuck and which experiences work. Each study is backed by open data and free to cite.
One company turned it around
A per-company series rebuilt from 48 monthly issues of the Central Bank's compulsory motor insurance complaint index. Five of six companies ended the year higher than they began it. A forecast for the next window is included.
Motor insurance is being squeezed
Premiums written in voluntary motor insurance grew one percent while claims paid grew twenty-nine. The loss ratio broke a band it had held for eight years. Recomputed from the Central Bank's monthly series back to 2017.
What a mortgage can actually buy
A single-day census of all 77,954 property listings for sale in Azerbaijan, read by mortgage eligibility, title deed, asking price, room count and district.
Banking app experience index
Nineteen Azerbaijani banking apps on three layers: ratings on both stores, reply behaviour on complaints, and the reach of each app.
We go with someone we know
How Azerbaijanis choose and quietly abandon paid services. 455 face-to-face surveys covering 910 service events, 247 in-depth interviews, plus public digital traces and official statistics.
Why Azerbaijanis don't insure
Why Azerbaijanis don't choose insurance and where trust breaks. 618 survey responses, 342 in-depth interviews and public-source research.
The path to a first home
The first-home mortgage journey in Azerbaijan. 1001 survey responses, 301 in-depth interviews and public-source research.
Retail app experience index
Seven grocery and marketplace apps: store ratings and a pain map over thousands of reviews. The biggest pain is loyalty bonuses.