TBC Uzbekistan Expands Business Footprint with Fully Digital Payroll Solution for SMEs
Central Asia’s digital banking landscape has marked another operational shift as TBC Uzbekistan launched a fully digital payroll processing feature tailored specifically for small and medium-sized enterprises (SMEs) . Part of the London-listed TBC Bank Group (LSE: TBCG), the fintech ecosystem is deploying the capability to systematically eliminate traditional processing delays from corporate banking.
The new payroll infrastructure integrates directly into TBC Business, which stands as Uzbekistan’s very first fully digital financial services platform dedicated exclusively to commercial enterprises . Since its commercial market debut in December 2024, the platform has achieved rapid adoption, securing a registered base of more than 30,000 businesses across the country .
Eliminating the Weekend Settlement Gap
Historically, managing corporate payroll within emerging markets has been bound by strict central banking operating hours, forcing entrepreneurs to navigate rigid processing windows that freeze capital over weekends and national holidays. The newly updated TBC Business architecture resolves this operational bottleneck by providing business owners with continuous, 24/7 transaction processing capabilities .
Under the automated framework, corporate administrators can initiate salary distributions at any time of day or night . The transactional funds are routed through the ecosystem instantaneously, ensuring that employee salaries are credited immediately to their dedicated TBC Salom debit cards without the multi-day clearing friction typical of legacy infrastructure .
The launch of the payroll feature expands an already robust TBC Business suite designed to serve as a digital one-stop-shop for corporate needs . Beyond core payroll automation, the platform includes specialized SME lending programs natively embedded into the banking stack, alongside a standalone TBC Business mobile application built to handle advanced corporate treasury workflows . This commercial ecosystem was further strengthened by the strategic acquisition of BILLZ, Uzbekistan’s leading retail management software platform, which unifies inventory analytics and business cash flows .
“At TBC Uzbekistan, our overarching mission is to take the hassle out of financial services and make people’s lives easier,” stated Nika Kurdiani, CEO of TBC Uzbekistan . “We have applied this vision to growing our market-leading consumer offering and are now focused on scaling our business offering in the same manner . This new payroll feature helps automate routine financial processes for SMEs at no additional cost, freeing up time for entrepreneurs to focus on scaling their businesses, while ensuring employees benefit from a seamless digital experience when receiving their salaries” .
Ecosystem Rewards for the Modern Workforce
The automated payroll pipeline also serves as a critical onboarding funnel for TBC’s broader consumer network, seamlessly integrating workers into the company’s retail banking rewards . Employees whose companies utilize the automated payroll module can initiate fully online, paperless account applications for their TBC Salom debit cards directly within the primary TBC UZ mobile application .
Once active, cardholders can optimize their personal funds by earning routine interest yields directly on their outstanding card balances, alongside accumulating cashback rewards on everyday retail purchases . Furthermore, user clearing enhancements include entirely commission-free peer-to-peer transfers, coupled with cash rebates for cash deposits and account withdrawals across the network .
The platform’s operational expansion is backed by significant regional scale as it continues to bridge consumer demand with corporate financial utilities . Driven by a proprietary artificial intelligence infrastructure—anchored by its native conversational AI assistant, Lola—TBC Uzbekistan has scaled its footprint to command nearly 6 million Monthly Active Users (MAU) . Having achieved profitability just two years following its initial launch, and recognized globally by CNBC and Statista as a premier international fintech entity, the firm’s ongoing corporate expansion demonstrates that the transition to digital-first banking in emerging markets is shifting rapidly toward fully integrated enterprise software stacks .
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