Evergreen guide · Updated 3 July 2026
How wallets and marketplaces fuse with finance in Uzbekistan: from a mobile wallet to a super-app model built around payments, purchases and instalments.
Super-apps are a notable trajectory of the Uzbek market: mobile wallets and marketplaces build adjacent services around payments — purchases, instalments, delivery — and turn a one-off payment into a daily habit.
A large mobile audience and rapid online onboarding make the "all in one app" model natural: a wallet or marketplace that has become a daily point of contact easily adds payments, instalments and financial services.
The core is a payment wallet and/or a marketplace, around which adjacent scenarios gather. Uzbekistan produced the region's first unicorn — the Uzum marketplace — while wallets like Click and Payme have become mass entry points into everyday payments.
Look at the active audience and retention, the addition of financial licences and products, partnerships with banks and national payment systems, and who owns the customer interface and data.
The super-app model accelerates the spread of financial products and lowers acquisition costs, but concentrates the market around a few ecosystems — so infrastructure openness and competition for merchant scenarios matter.
A super-app builds finance around a daily scenario — purchases or payments — rather than the other way round, so financial products become part of an everyday app.
No. These are different players: Uzum is known as a marketplace ecosystem, while Click and Payme are mass payment wallets. What unites them is the move toward an "all in one app" model.
Payments, BNPL, national processing, banking partnerships, regulation of payment systems and cross-border products.