Download the full study (PDF). 92 pages: ranking of 20 banks, key findings, and methodology.
About this study
The digital maturity of a business banking app reflects how quickly, conveniently, and securely a company can handle daily tasks: payments, lending, acquiring, employee access, and analytics. We evaluated 20 business apps on the Uzbekistan market across 110 parameters to map out where the market is strong and where it still lags significantly.
How we measured
- Subject: mobile and web apps for corporate clients and small and medium enterprises (SME).
- Scope: 20 apps, 110 parameters.
- Structure: parameters are grouped into 12 digital maturity areas (below). For each area, we looked beyond the mere presence of a feature to see how much time it actually saves the client.
- Evaluation logic: apps were compared against market leaders based on convenience and scenario completeness—moving from a simple "feature exists" to "how much time it saves the client."
Digital maturity areas
| Area | What we evaluated |
|---|---|
| Customer service | Support channels, issue resolution speed, self-service |
| Payments and autopayments | Speed and automation of regular payment operations |
| Corporate lending | The path from application to funding, online processing |
| Acquiring and payment acceptance | Integration of payment acceptance into business processes |
| Open APIs | Ability to embed the bank into business systems |
| Analytics and dashboards | Transition from statements to predictive analytics |
| Access management and roles | Flexibility of the role model for the team |
| Cybersecurity | Corporate data protection standards |
| Non-financial services | The bank's value as a business growth partner |
| Single window for business | Services around the account: from LLC registration to counterparty checks |
| Regional availability | Service operation outside the capital |
| UX/UI | Interface convenience as a tool to save client time |
A breakdown of each area is in the materials below.
Key findings
- High maturity contrast. The market is developing unevenly: some banks have legacy-level interfaces, while others have implemented modern products.
- Dominance of the payment loop. Banks are accelerating mass operations, but the development of other services lags behind.
- Focus on basics. Banks are strong in the fundamentals but barely differ from one another and are not ready for AI and Open Banking.
- Potential for integrations and analytics. Only a few banks offer full integrations with external systems; most are limited to basic reports without deep analytics.
- Unmet demand for non-financial services. Education, consulting, and B2B services are minimally developed.
Leaders across 12 areas
According to the Rocket Tech study, here are the top 3 banks in each digital maturity area for SME apps:
| Area | 1st place | 2nd place | 3rd place |
|---|---|---|---|
| Terms of service | SQB | Xalq Bank | Anorbank |
| Accounts and payments | Ipak Yuli Bank | Xalq Bank | Orient Finans Bank |
| Financing and loans | NBU | Anorbank | BRB |
| Cards and acquiring | Ipak Yuli Bank | NBU | Tenge Bank |
| Integration and automation | Ipak Yuli Bank | Kapital Bank | Aloqabank |
| Analytics and reporting | Davrbank | Anorbank | Orient Finans Bank |
| Role management | Tenge Bank | Ipak Yuli Bank | Xalq Bank |
| Data security | Orient Finans Bank | Aloqabank | Infin Bank |
| Education and info support | Aloqabank | NBU | Ipak Yuli Bank |
| Business services | Ipak Yuli Bank | Xalq Bank | Anorbank |
| Regional adaptability | Xalq Bank | Orient Finans Bank | NBU |
| Informativeness and convenience | Anorbank | Infin Bank | Kapital Bank |
Frequently asked questions
What is the digital maturity of a business banking app? It is a comprehensive assessment of how well an app covers a company's real tasks—payments, lending, employee access, analytics—quickly, conveniently, and securely, rather than just formally supporting a feature.
How many apps and parameters were evaluated? 20 business banking apps in Uzbekistan across 110 parameters, grouped into 12 maturity areas.
Who conducted the study? The research department of Rocket Tech—a team that designs and implements digital products for banks and fintech companies, from UX and mobile apps to integrations and process automation.
Full study
Detailed data and methodology are available in the full version of the Rocket Tech study.