TBC Uzbekistan Improves Operational Efficiency Through AI Technology

TBC Uzbekistan, the digital banking ecosystem in Central Asia, has successfully deployed AI technology to drive efficiency, enhance customer service, and accelerate growth across Uzbekistan.

TBC Uzbekistan is planning to build an AI-powered digital bank focused on personalisation at scale, omnichannel experiences, and smart operations to drive profitability.

The digital banking solution provider plans to launch a number of increasingly powerful AI tools in the coming years and has already built its own proprietary Uzbek language models for multimodal use cases, prioritising voice – which TBC says is key to unlocking numerous use cases.

In 2024, TBC built its proprietary Speech Tech and deployed AI agents for loan payment reminders. This initiative has delivered successful results – as of January 2025, voice AI agents handled over 40 per cent of loans in early-stage delinquency. TBC Uzbekistan says this move has significantly improved operational efficiency and enabled it to maintain its level of customer service.

“Advancements in AI are a critical driver of innovation in banking, and at TBC, we are at the forefront of this transformation,” explained Konstantin Kruglov, head of AI at TBC. “Our AI-powered calls and sales chatbots are ten times more efficient than human operators, delivering unparalleled value to our operations and customer experiences, and helping us to continue to scale at pace. These technologies embody our vision to leverage sustainable growth while setting a benchmark for tech players in Central Asia, as we work to make our customer’s lives easier.”

Embracing an AI future

TBC has also revealed further future plans, as part of its AI implementation strategy. In January 2025, TBC deployed its proprietary Uzbek language LLM for sales, with plans to extend its use to customer support (including in-app virtual assistants) and other scenarios later this year.

TBC’s ongoing efforts in leveraging these emerging technologies underscores the deep commitment to innovation of TBC Uzbekistan – Central Asia’s leading digital banking ecosystem. By combining great technology, an experienced international team, and a consumer lending-led product strategy, the ecosystem continues to expand its best-in-class product mix.

Supported by Uzbekistan’s young, digitally savvy population and growing demand for modern financial services, TBC Uzbekistan has scaled its user base to over 17 million unique registered users. In the first nine months of 2024, the ecosystem recorded a net profit of $27million, with its loan and deposit books growing by 99 per cent and 66 per cent year-on-year, respectively.

Alongside TBC UZ, TBC Uzbekistan encompasses Payme, a digital payments app serving individuals and small businesses, as well as Payme Nasiya (Payme Instalments), a fast-growing instalment credit platform.