Digital Transformation of Banking Services: Enhancing Efficiency and Customer Experience in Remote Banking (ECONOSCITECH INTEGRATION)

Summary

• The composite Remote Banking Digitalisation Index in Uzbekistan increased from 0.415 in December 2021 to 1.000 in April 2025.p.7
• Cashless card payments rose to approximately 72% of GDP in 2025, up from about 25% in 2021.p.10
• In 2024, the interbank Instant Payments System processed 47.6 million transactions amounting to UZS 917.9 trillion.p.10
• Out of 58,800 cybercrime cases recorded in 2024, 97.7% involved unauthorised withdrawals from bank cards.p.11

Key insights

1. The value of payments processed per terminal grew from UZS 0.77 billion in 2024 to UZS 1.07 billion in 2025.p.10
2. Nighttime and evening transactions made up 38% of the total processing volume on the Instant Payments System in 2024.p.10
3. Bank mobile applications generated UZS 646 trillion in transactions in 2025, capturing roughly 61% of combined transaction value compared to payment organisations.p.11
4. A substantial gap exists between registered and active users, exemplified by TBC Uzbekistan's 23 million registered users versus 6 million monthly active users.p.11
5. Digital-native banks including TBC, ANOR, Uzum, and AVO collectively secured 21.6% of remote banking accounts as of 1 January 2025.p.11