Ways of Developing Digital Banks (Neobanks) and Increasing Financial Literacy of the Population in Uzbekistan (Zenodo (CERN European Organization for Nuclear Research))

Summary

• The share of internet users among the population of Uzbekistan reached 94,2 % in January–August 2025, compared to 93,3 % in 2024.p.12

Key insights

1. An OECD survey across 39 countries indicated that an average of 40 % of adults purchasing goods online have room to further develop their digital financial literacy skills.p.13
2. Digital banking transformation extends beyond front-end mobile apps to encompass internal operations, data processing, customer relationship management, and risk governance.p.12
3. The Central Bank of the Republic of Uzbekistan began building conceptual, institutional, and methodological foundations for financial literacy development in 2019.p.12
4. Digital banking entities operating in Uzbekistan include TBC Bank, ANOR BANK, and AVO BANK.p.14
5. Embedding short interactive financial literacy content directly into banking mobile apps supports responsible decision-making before credit origination.p.16