The Tajik bank has integrated financial services for users aged 7 to 16 into its main mobile app.
What happened
The bank did not create a separate app for the younger audience. The child downloads the standard Eskhata Online client, logs in using their phone number, and enters a special kids’ interface with limited access.
Inside the wallet, teenagers can check their balance, transfer money by phone number, pay for mobile communications, online games, and QR-code purchases. Integration with the ecosystem’s internal services—Eskhata Eda and Kino—is also available.
Parents manage the process from their side. An adult user can remotely open a wallet, top up its balance, set daily spending limits, and receive push notifications for every transaction. In case of a lost phone, the parent can instantly block the child’s account. Up to ten kids’ wallets can be linked to a single adult account.
Country and market
According to Finteqstan’s observation, launching niche products for teenagers remains a relatively new direction for the Tajik banking market. Most local players traditionally focus on payroll projects, lending, and money transfers.
The development of transparent family finances looks like a logical continuation of the bank’s course toward operational manageability. Previously, Finteqstan wrote about how Eskhata Bank discussed internal control requirements with Tajikistan’s anti-corruption agency; now, the control architecture is being applied to consumer products as well.
Why it matters
Eskhata Bank Chairman of the Management Board Akmaljon Saifidinov explains the product launch as the development of a digital ecosystem. According to him, the bank is creating a platform that makes financial management transparent and prepares children for independent life.
Eskhata Bank’s example shows how fintech players are trying to expand transaction activity within their ecosystems by engaging users even before they reach adulthood.
What’s next
For now, the product operates as a wallet with strict limits and basic payment functions. Further development will show whether the bank will introduce gamification elements, financial literacy training modules, or loyalty programs specifically adapted for the youth audience.
