Razia Havazova

Head of Digital Transformation Loyalty Management and Automation Department at DemirBank

Speaker

Razia Havazova is the Head of Digital Transformation, Loyalty Management and Automation Department at DemirBank (with executive education from Oxford Saïd Business School). With over 13 years of experience in international banking, she specializes in digital banking transformation, RPA (UiPath) implementation, AI integration, and advanced fintech product ownership. Razia leads high-impact financial products in a systemically important bank. She manages a strategic loyalty ecosystems across the region, including loyalty programs with the Global Airlines such as Turkish Airlines (Miles & Smiles)