The rapid expansion of the digital economy has fundamentally transformed electronic commerce, positioning artificial

The findingsof the study indicate that Azerbaijan has achieved significant progress in the key enabling factors of digitaldevelopment. These include high internet penetration, widespread mobile connectivity, and the rapid growth of cashlesspayment systems. However, the analysis also reveals that the large-scale adoption of advanced artificial intelligence andBig Data solutions remains limited, with many platforms relying on basic digital functionalities rather than fullyintegrated, intelligence-driven systems. Key constraints include shortages of specialized digital skills, fragmented datagovernance frameworks, cybersecurity risks, and institutional challenges related to the protection of intellectualproperty. The paper argues that the effective integration of artificial intelligence, Big Data, and FinTech solutions can808significantly enhance the efficiency, inclusiveness, and sustainability of Azerbaijan’s e-commerce sector, while alsocontributing to broader economic diversification objectives.