Emotix Insights https://emotix.az/insights Independent customer-experience research on the Azerbaijani market, from the Emotix studio in Baku. en-GB Wed, 09 Sep 2026 00:00:00 GMT One company turned it around https://emotix.az/sigorta-sikayet-indeksi https://emotix.az/sigorta-sikayet-indeksi Wed, 09 Sep 2026 00:00:00 GMT 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 https://emotix.az/avtomobil-sigortasi-sixilir https://emotix.az/avtomobil-sigortasi-sixilir Wed, 09 Sep 2026 00:00:00 GMT 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 https://emotix.az/ipoteka-ile-ne-ala-bilerik https://emotix.az/ipoteka-ile-ne-ala-bilerik Wed, 09 Sep 2026 00:00:00 GMT 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 https://emotix.az/banking-ux-index https://emotix.az/banking-ux-index Mon, 31 Aug 2026 00:00:00 GMT 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 https://emotix.az/az/tanisla-gedirik https://emotix.az/az/tanisla-gedirik Wed, 12 Aug 2026 00:00:00 GMT 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 https://emotix.az/sigortaya-niye-inanmiriq https://emotix.az/sigortaya-niye-inanmiriq Mon, 29 Jun 2026 00:00:00 GMT 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 https://emotix.az/ilk-eve-geden-yol https://emotix.az/ilk-eve-geden-yol Sun, 28 Jun 2026 00:00:00 GMT The first-home mortgage journey in Azerbaijan. 1001 survey responses, 301 in-depth interviews and public-source research. Retail app experience index https://emotix.az/az/retail-ux-index https://emotix.az/az/retail-ux-index Thu, 11 Jun 2026 00:00:00 GMT Seven grocery and marketplace apps: store ratings and a pain map over thousands of reviews. The biggest pain is loyalty bonuses.