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.
Why super-apps matter to the market
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.
What the model includes
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.
- Wallets as an entry into payments: Click, Payme and other apps.
- Marketplaces fusing with finance: purchases, instalments, delivery (for example, Uzum).
- BNPL and consumer credit as an add-on over purchases.
- Behavioural data as the basis for new products.
Which signals to track
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.
What this means for fintech
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.
Quick answers
How does a super-app differ from an ordinary bank?
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.
Are Uzum, Click and Payme the same thing?
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.
Which topics to read next?
Payments, BNPL, national processing, banking partnerships, regulation of payment systems and cross-border products.