“One login for all” is how most banks handle access. Here is what a company needs when one employee drafts a payment and another approves it.
The more complex a business structure, the more granular access settings it expects from its banking dashboard. A basic “view/edit” matrix is no longer enough for a growing company—it needs a model that reflects the actual distribution of roles and responsibilities. A study on the digital maturity of SME banking in Uzbekistan shows where the market lags in access architecture.
Download the full research (PDF). Data on 20 Uzbekistan banks across 110 parameters, maturity rating, and methodology.
Mature access management means flexible roles for accountants and executives, collaborative payment processing with multi-level approvals, and full activity auditing. Currently, collaborative features are mostly implemented by market leaders, ready-made role scenarios are absent, and transaction history is minimal. The more complex the client’s business, the more critical fine-tuning rights and limits becomes.
A three-person company only needs a couple of access levels. But once accounting, financial control, and multiple signatories appear, a simple “view/edit” setup stops reflecting internal processes. Someone needs to draft a payment, someone else needs to approve it, and others only need to view reports. Without flexible roles, a business faces a bad choice: hand out excessive permissions and risk security, or bottleneck everything through one person and slow down operations.
As the company grows, this conflict escalates—and a bank that fails to provide granular settings starts hindering the business.
Category leaders according to Rocket Tech research (“Role Management”): 1. Tenge Bank, 2. Ipak Yuli Bank, 3. Xalq Bank.
The data shows that access in most banks is designed for a single user.
Support for simultaneous work by multiple employees is mostly implemented by the leaders in the ranking.
There is a lack of preset scenarios for standard roles—like accountant or executive—which complicates and slows down employee onboarding.
Activity tracking mechanisms and transaction histories are minimal. Without them, ensuring transparency and investigating incidents is difficult.
A company’s team is growing: an accountant, a financial director, and an owner join, each with their own area of responsibility. In one bank, access is essentially shared. For the accountant to draft payments, they are given full rights, meaning they can also send them without oversight. The owner either accepts the risk or signs everything themselves, becoming a bottleneck. In another bank, everyone has a specific role: the accountant drafts the payment, the CFO approves it, the owner views reports, and the audit system logs who did what. A new employee gets the necessary rights in one click using a preset scenario. Security and speed no longer conflict.
Rocket Tech helps banks build this role model: flexible permissions, collaborative payment processing with multi-level approvals, and an activity log—all designed so onboarding a new employee takes minutes, not hours.
Flexible roles and auditing provide both security and convenience. A business trusts a bank where it can precisely distribute permissions and see who did what. For growing companies, this is often a deciding factor: the larger the client, the more important granular access settings become, and the more costly it is for the bank to lose them over a primitive role model.
A permission system where each employee has a specific role (drafting a payment, approving, or view-only) corresponding to their function in the company.
To see who performed an action and when. This increases transparency, simplifies incident investigation, and reduces the risk of abuse.
One employee drafts a payment, another approves it. This reduces the risk of errors and fraud in large transactions.
A new employee receives the appropriate set of permissions in one click, without manual configuration for each access point. Onboarding takes minutes, not hours.
As soon as more than one person handles finances and a “draft / approve / control” division emerges, a basic permission matrix is no longer enough.
These are insights from Rocket Tech’s research on the digital maturity of SME banking in Uzbekistan.
As companies scale, basic "view/edit" permissions force them to compromise on security or operational speed. Banks that fail to offer granular role management risk losing lucrative, growing SME clients to competitors with more mature digital dashboards.
