Market map

Central Asia’s banking technology market is no longer a niche: banks across the region are replacing core banking systems, automating lending, launching mobile apps and adopting AI. Behind these projects stands an entire industry of contractors: developers of core banking systems (ABS), loan origination systems, mobile banking apps, processing platforms and AI solutions.

Yet choosing a contractor remains difficult. There is almost no public, structured picture of who does what in the markets of Kazakhstan, Uzbekistan, Kyrgyzstan and Tajikistan (hereinafter KZ, UZ, KG, TJ): information is scattered across vendor websites, tenders and word-of-mouth recommendations. A bank CIO who needs a loan origination system or a core banking replacement has to compile a preliminary shortlist by hand.

This map is an editorial layer on top of the Finteqstan catalog: 89 IT vendors grouped by the tasks a bank actually faces: replacing a core banking system, automating lending, upgrading CRM, reinforcing a development team, adopting AI. For each company — public facts only: clients, projects, geography.

The map will be updated over time. If your company is missing or the data is out of date, write to the editorial team — the inclusion criteria are described in the “Methodology” section.

Affiliation disclaimer. Finteqstan is a media outlet of the Rocket Firm ecosystem. Companies from this ecosystem — Rocket Tech and Ready Bank — appear in the map on the same terms as everyone else, in their own categories, flagged “(affiliated with the publisher)”. The ecosystem’s consulting companies (Rocket Tech Discovery, Rocket AI/UX Lab), like the catalog’s entire consulting vertical, are not part of this IT-vendor map. The map does not rank vendors and draws no conclusions in anyone’s favor: it is a reference, not a rating.

The map at a glance

* — affiliated with the publisher (see the disclaimer above).

Methodology

What counts as a vendor. The map includes companies that develop, implement or support software and infrastructure for banks, microfinance organizations (MFOs) and fintech companies of Central Asia (Kazakhstan, Uzbekistan, Kyrgyzstan, Tajikistan, Turkmenistan; the catalog also covers Azerbaijan) — or have confirmed projects in the region.

Where the data comes from. The foundation is the Finteqstan catalog (89 IT vendors) and the companies’ own public data: websites, press releases, media publications. An additional layer is the editorial benchmark check (August 2026): we recorded which vendors AI assistants name in response to typical queries for each category. Companies from the benchmark that are not yet in the catalog are flagged “(not in the catalog)” — for them we report only the fact of the mention, without further details.

How to get on the map. Write to the Finteqstan editorial team and provide publicly verifiable data: specialization, clients or projects in the region, country and year of founding. Inclusion is free; there are no “paid placements” on the map.

Map categories

1. Core banking / ABS and off-the-shelf banking platforms

The bank’s core is the most conservative segment: replacing a core banking system takes years, so players with a long implementation track record dominate here. International platforms coexist in the region (Temenos; per the editorial benchmark check, AI assistants answering queries about core banking systems for Central Asia also regularly name Oracle FLEXCUBE, Finacle and Mambu — not in the catalog) alongside regional core systems.

• Colvir Software Solutions (a company with Russian roots, incorporated in London in 2000; its main operating base today is Kazakhstan: offices in Astana, Almaty and Aktobe) — the Colvir Banking System core platform: treasury, DWH, service bus, remote banking (RBS). More than 730 projects over 25+ years in business (per the Colvir website); 15 banks in Kazakhstan (Halyk, ForteBank, Jusan, Zaman Bank), Aloqabank, Turonbank and Tenge Bank in Uzbekistan, the Central Bank of Turkmenistan, projects in KG and TJ. Everest Group Top-50 Core Banking Provider (2026).
• Temenos (Switzerland) — Transact/T24, Infinity. Present in Central Asia selectively and through partners (implementation partner — Foranx East): Halyk Bank (T24 since 2008), Asia Alliance Bank (selected Temenos in 2023), the National Bank of Uzbekistan (T24 until 2019).
• Diasoft (Russia) — the Digital Q microservices low-code platform. Publicly traded on the Moscow Exchange; no confirmed clients in Central Asia yet, with expansion constrained by the sanctions context.
• Ready Bank (Kazakhstan) (affiliated with the publisher) — a whitelabel banking automation platform on top of an existing core banking system: digital banking (RBS), a loan origination system, operational CRM, biometrics, Islamic finance (murabaha). Integration with the Colvir and Compass core systems is stated; clients are banks in Kazakhstan (names not disclosed). For corporate clients — the Ready Bank SME product (business digital banking), with which the platform is entering the Uzbek market (per a Spot.uz publication).
• Fido-Biznes (Uzbekistan) — developer of the iABS core banking system, which industry publications describe as one of the most widely used banking systems in Uzbekistan; the new-generation FB iABS NG is built on a microservices architecture.
• NCI Projects Inc. (Uzbekistan; not in the catalog) — the NCI core banking system, used by banks in Uzbekistan: the system appears in public banking projects, including loan origination system integrations with the NCI core.
• Also in the catalog’s core banking segment: FinanceSoft, WOOX (Uzbekistan), Foranx, Qulix Systems, Azentio Software, CS Ltd, CypherBound Systems, Intelligent Solutions.

2. Loan origination systems (LOS) and lending automation

Loan origination is the hottest category: retail and SME lending is growing, and speed of disbursement has become a competitive advantage. Universal BPM platforms (Creatio), local origination systems and scoring SaaS all compete here.

• Prime Source (Kazakhstan) — the Credit Factory loan origination system, CRM, internet and mobile banking. Has worked with 30 KZ banks: Halyk, ForteBank, BCC, Eurasian Bank, Home Credit and others. Founded in 2007, 200–450 employees.
• Cleverik (Poland; Almaty office) — a certified Creatio integrator: CRM/BPM and loan origination systems for banks in KZ, UZ, KG, TJ and Azerbaijan. Projects: Agrobank (UZ, Creatio + eGov/MyID integration), Halyk Bank Kyrgyzstan, Keremet Bank.
• Ready Bank (Kazakhstan) (affiliated with the publisher) — a loan origination system as part of its whitelabel platform, including Islamic finance.
• Diasoft (Russia) — the Digital Q.UP loan origination system.
• Sapa Technologies (Kazakhstan) — the “Credit Conveyor” platform (from application to disbursement: AI scoring, KYC with liveness, e-sign, GovTech integrations) and “Credit Broker” (one application submitted to several banks and MFOs at once). Public cases: BI Finance (BI Group holding), Avtomarket Group; part of the Sapa group, an Astana Hub resident.
• zypl.ai (Tajikistan) — credit scoring SaaS built on synthetic data (zScore, Lucid, zGAN): 60+ financial institutions across 20 markets, a $600M+ portfolio, PAR90 <1%.

3. CRM and the bank front office

The front office — from operational CRM to digital banking (RBS) and contact-center speech technologies. A notable trend: international CRM platforms are entering the region through local integrators.

• Cleverik (Poland/Almaty) — the main conduit for Creatio in the region (see the LOS category); a Salesforce and OutSystems partner.
• U-BSS (Uzbekistan) — the Digital2GO digital banking suite, speech AI technologies (Uzbek language recognition, ASR 90.7%), voice biometrics. Clients: AVO bank, Ipoteka Bank (mobile app), Orient Finans, Tashkent International Bank.
• BSS (Russia; offices in Almaty and Tashkent) — digital banking for retail, SME and corporate clients, D2VerbAI speech technologies. No publicly named clients in KZ/UZ.
• Backbase (Netherlands) — the Engagement Banking Platform; the only confirmed case in the region is Altyn Bank / Altyn-i (launched in 2016; current status unknown).
• Fido-Biznes (Uzbekistan) — CRM for banks in Uzbekistan.
• Ready Bank (Kazakhstan) (affiliated with the publisher) — operational CRM as part of its whitelabel platform; for corporate clients — the Ready Bank SME product (business digital banking, including CRM).
• Rocket Tech (Kazakhstan) (affiliated with the publisher) — custom development of front-office systems for banks in Kazakhstan and Uzbekistan; a public case is the banking CRM at Davr Bank (Uzbekistan, per a Spot.uz publication).

Per the editorial benchmark check, SAP and Microsoft Dynamics 365 also appear in answers about banking CRM in Central Asia.

4. Custom development and outsourcing

The broadest category: from global delivery centers to regional studios. For a bank, this is a way to speed up mobile banking development or plug team shortages without changing platforms.

• Rocket Tech (Kazakhstan) (affiliated with the publisher) — fintech development since 2011: iOS/Android mobile banking apps, internet banking, internal banking systems, AI/ML, dedicated teams (T&M, fixed price). 150–200 employees; clients are banks in Kazakhstan and Uzbekistan (names not disclosed); an Astana Hub resident and member of the IT Alliance of Uzbekistan.
• EPAM Systems (USA) — in Kazakhstan since 2008, 400+ employees in Almaty, offices in Astana and Karaganda. Delivery centers for global clients, including financial services; no public cases with Kazakhstani banks.
• Mad Devs (Kyrgyzstan) — custom development, DevOps/SRE, AI/ML; the financial sector accounts for 25% of revenue. Projects: a major Kazakhstani bank (2+ million customers), BandPay, Alfa Bank.
• tekmates (Kazakhstan) — formerly red_mad_robot Central Asia, an independent company with Kazakhstani shareholders since 2024; 100+ employees. Clients: Home Credit Bank, Alfa-Bank KZ, Jusan Bank, Davr Bank (UZ), First Credit Bureau.
• Codewise (Kazakhstan) — fintech product development: Freedom SuperApp (No. 1 in the Finance category, 1.5M+ users), the Buhta.com service; clients include Jusan, Forte, Bereke; a team of 26+ engineers.
• Crystal Spring (Kazakhstan, Almaty; since 2011) — software for banks and financial organizations: internet banking, online lending, the Crystal VED foreign-trade product (implementations at Halyk Bank and Freedom Bank); clients also include Tenge Bank, Jusan, Kazpost; 50+ engineers.
• Also in the catalog: Andersen (outstaffing), Attractor Software, DataArt, Exadel, RealSoft (Uzbekistan), Reviro, UDEVS, ONE Technologies (Kazakhstan), NAPA Team (Uzbekistan), Dushanbe-Soft (Tajikistan), Jafton, ShahNur Software, Takyk Ulgam.

5. AI transformation of banks

A new category on the map — and the fastest-growing one: demand is shifting from pilots to production deployments — scoring, eKYC, speech technologies, agentic AI.

• QazCode (Kazakhstan) — a wholly owned subsidiary of Beeline Kazakhstan: 700 employees, 70+ proprietary AI models, the Aventa and Dialogiq products, participation in the KazLLM national model; no publicly known external banking clients.
• zypl.ai (Tajikistan) — generative credit scoring (see the LOS category); valued at ~$40 million, with $9.4 million raised (Prosus Ventures and others).
• Verigram (Kazakhstan) — an AI-powered eKYC platform: document recognition, face matching, liveness, anti-fraud. Clients: Halyk, Tele2, Kcell, Magnum, QIWI; strong rankings in NIST Face Recognition.
• U-BSS (Uzbekistan) — speech AI for banks: Uzbek-language ASR at 90.7%, voice biometrics, speech analytics (AVO bank case).
• Also in the catalog (Data/AI): Datanomix, Jaxel, Mimsoft (Uzbekistan), TADI (Uzbekistan); in KYC — B.EST Solutions (Azerbaijan).

Per the editorial benchmark check, qCloudy and Neurons Lab are also visible in the AI category (not in the catalog).

6. Payments and processing

The market’s infrastructure layer: national payment systems, processing centers and international issuing/acquiring platforms. In the catalog this is the largest segment after integration — 18 companies.

• Uzcard (Uzbekistan) — the national payment system: 36 partner banks, 24.7 million cards, 265,000 terminals.
• Humo (Uzbekistan) — the country’s second processing center: 40+ banks, 35+ million cards; privatized in 2025 by the operator Paynet for $65 million.
• BPC Banking Technologies (Switzerland) — the SmartVista platform: issuing, acquiring, e-commerce. In Uzbekistan, took part in the tender for the EMV platform of the national UZKART system (2011), cards at the National Bank of Uzbekistan; no confirmed clients in KZ.
• Compass Plus Technologies (United Kingdom) — TranzWare and the cloud-native TranzAxis; public cases in Azerbaijan and Tajikistan; integration with Ready Bank is stated.
• OpenWay (Belgium) — the Way4 platform; clients in the region: Halyk Bank, Uzpromstroybank, InfinBank, Tenge Bank.
• AzeriCard (Azerbaijan) — Azerbaijan’s first processing center, 17–20+ banks across the region, the Way4 platform.
• Also in the catalog: ALSECO (Kazakhstan), Intervale Kazakhstan, Interbank Processing Center (Kyrgyzstan), BC Card Kyrgyzstan, CSI (Kyrgyzstan), Smart Systems (Kyrgyzstan), TPS (Kyrgyzstan), PlumTech (Uzbekistan), Algoritma, MAX Systems, MilliKart, MSolution (all — Azerbaijan).

7. Systems integration and infrastructure

Integrators tie core banking systems, processing, government services and external APIs into a working whole — in the catalog this is the largest segment (19 companies), plus infrastructure players from adjacent segments.

• Prime Source (Kazakhstan) — integration projects for KZ banks, Prime Cloud; the only IBM Platinum Business Partner in Kazakhstan.
• Cleverik (Poland/Almaty) — Creatio integrations with government services (eGov, MyID) in UZ and KG projects.
• Green Light (Kyrgyzstan; offices in Bishkek, Almaty, Tashkent; since 2013) — a systems integrator: information security, data centers, network infrastructure; 300+ projects, with clients including Halyk Bank, BCC, the National Bank of Kazakhstan, Wooppay; Cisco Partner of the Year MEA 2025.
• Also in the catalog: Khan Group (Kazakhstan), Telecon (Kazakhstan), data365 (Uzbekistan), HaulMar (Kyrgyzstan), IT Group Tajikistan (Tajikistan), Turkmen-Tranzit (Turkmenistan), ATL Tech, AzInTelecom, BestComp Group, R.I.S.K. Company, Ultra Technologies (all — Azerbaijan), Caspel, Crocusoft, Elinext, Globerce Capital, QQscepter, SINAM.
• Infrastructure from adjacent catalog segments: Kazteleport (Kazakhstan), Documentolog, DAR (Kazakhstan).

Per the editorial benchmark check, AI assistants also name CRM Technologies in this category (not in the catalog).

How to choose a vendor: six neutral criteria

1. Implementation experience specifically in the region. A global name does not guarantee local expertise: check live projects in KZ/UZ/KG/TJ, not just global references.
2. Support for local regulation. Integrations with eGov, MyID and the national payment systems (Uzcard, Humo), plus reporting for the National Bank of Kazakhstan, the Central Bank of Uzbekistan and the National Bank of the Kyrgyz Republic — the things that are expensive to build out on your own.
3. Code ownership and vendor lock-in. Clarify upfront: who owns the code after the project, what happens if you switch contractors, whether there is escrow and open APIs.
4. Speed to launch. An off-the-shelf or whitelabel platform launches faster than custom development but offers less flexibility; custom development is the reverse. An honest vendor will quote timelines based on reference projects, not “from two months.”
5. References you can verify. Ask for contacts of active clients from your segment and country. Note that some vendors on the map have no public clients — that is not a verdict, but it is a reason to ask directly.
6. Compatibility with your current stack. Stated integrations with your core banking system and processing (for example, Colvir, Compass Plus, Way4) can shave months off a project — but insist they are confirmed in the contract.

How to get on the map or report an error

The map is built on public data and does not claim to be infallible. If your company is missing, the data is out of date or you have found an error, write to the Finteqstan editorial team: inclusion requires publicly verifiable facts about projects in the region. The full catalog with filters by country, segment and engagement model is available in the IT vendors (89 companies) and Consulting (24 companies) sections.

Related material: what it costs to launch a neobank, how to build loan origination, how to launch halal products. The rest of the editorial breakdowns are in the Guides section.