Overview

Through the synergy of our services, Uzum creates a unique user experience while maintaining maximum efficiency across all units during rapid growth

Millions of Uzbeks come to us for great deals, and thanks to our convenient payment services and instalment options, they seamlessly transition into users of our fintech products.

This approach fosters loyalty and increases the overall value we offer to our users and partners.

> 48%
of purchases (GMV) are paid
with Nasiya BNPL solution
25%
of Tezkor’s GMV generated
via Uzum Market’s app

Business Units

Our ecosystem brings together newly established businesses created by Uzum, such as Uzbekistan’s largest marketplace, Uzum Market, alongside mature businesses that are leaders in their respective markets.

Uzbekistan today is one of the most promising economies in the world among emerging countries

As the most populous country in the region, Uzbekistan is strategically located at the crossroads of Europe and Asia, making it a key hub for trade and economic cooperation. The country’s young population is driving strong consumer demand, particularly in the digital services sector

8%2023 — 2026
Projected CAGR of GDP
> 50%
of the population is under
the age of 30
~80%
internet penetration
rate

Uzbekistan is already undergoing a digital transformation. According to KPMG, the e-commerce market is the fastest-growing in the region, alongside the expanding market for cashless payments.

$ 87billion
GDP in 2023
Up toof GDP
Will come from cashless payments by 2027

Expanding Digital Economy

E-commerce

Expected to grow sevenfold compared to 2022 levels, as more people shift to online shopping.

Fintech

With over 56% of the population unbanked, Uzbekistan presents substantial potential for financial inclusion through digital banking and fintech solutions. Furthermore, the share of cashless payments is expected to rise significantly.

Government Support

A key driver of economic growth and digitalisation is the comprehensive government support for entrepreneurs in the IT and e-commerce sectors, along with the government’s focused efforts to attract international investments into the country.