Uzbekistan Statistical Report 2023

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Uzbekistan is one of the Asian countries in the Eurasian Yearbook. It is a unitary, constitutional, presidential republic comprising 12 provinces, one autonomous republic, and one capital city, Tashkent. Uzbekistan is bordered by five countries: Kazakhstan, Tajikistan, Kyrgyzstan, Afghanistan and Turkmenistan. The country’s official language is Uzbek. 

Uzbekistan is a member of the Commonwealth of Independent States (CIS), the Organisation for Democracy and Economic Development (GUAM), and the Economic Cooperation Organisation (ECO). 

Best known in Soviet times for its production of cotton, Uzbekistan has enjoyed robust GDP growth since the mid-2000’s. The official aim is to make the transition to a more market-oriented economy and to become an industrialised, high middle-income country by around 2050. 

Uzbekistan went through its first transfer of power in 27 years after the death of its first president, Islam Karimov, on September 2, 2016. Newly elected President Shavkat Mirziyoyev declared that improvements to the business environment through liberalisation measures in the banking sector, trade, currency conversion, tax administration, and fighting corruption were among top policy priorities. 

Although card usage is widespread, Uzbekistan lags behind other countries in Eurasia in uptake of digital payments, due to poor legacy infrastructure for telecoms and poor internet coverage. However, over the past decade, the adoption of policies geared towards increased digitisation are accelerating digital payment transformation and mobile payment services, as well as cardless payments directly from bank accounts with instant payments. 

Mobile payments in particular are helping Uzbek consumers leapfrog infrastructure issues, although most international digital wallets are not yet available. Domestic schemes such as UzCard, HUMO and bank mobile apps are the predominant ways Uzbeks use mobile payments. 


New in 2023:

  • The full impact of COVID-19 on digital payments, card payments, e-commerce and m-commerce by market.
  • Real-time payments infrastructure and growth statistics by market.
  • Open Banking infrastructure, API roll-out, key players and key initiatives by market.
  • Contactless and mobile payments statistics by market.
  • Cryptocurrency, stablecoin and CBDC initiatives by market.
  • Full update on bank channel digitisation by market.
  • Forecasting column added for all the major tables.
  • Reader-friendly design with enhanced data visualisation.
  • Industry developments and bank deployments of eID, biometrics and AI.
  • The integration of digital challengers and neobanks into the banking infrastructure.

Updates For 2022-23:

  • Updated – Bank M&As, restructuring and market positioning. Customer number KPIs and adoption of digital channel KPIs.
  • Updated – Mobile banking apps and digital wallet initiatives.
  • Updated - PSPs by individual country.
  • Updated – Real-time payments uptake and QR code payments rollout.
  • Updated – Card fraud in Europe and by individual country.
  • Updated – Non-bank cards and co-brands.
  • Highlighting the new trends in the payment industry by individual country:

Contactless, mobile NFC, QR code, mPOS, SoftPOS services
Display cards, contactless ATMs, biometric authentication
Digital wallets, in-app payments, mobile in-store payments
Instant payments
eID initiatives

Cryptocurrency and CBCD initiatives

  • Updated: tables with card business data 2017-2021; growth rates: Y-o-Y, CAGR + Forecasting column
  • Population, Cards per Capita, Card Value per Capita
  • Debit Cards, Credit/Delayed Debit Cards, Total Cards
  • Card payments by number and by value, ATV per card, payments per card/year
  • ATMs, POS terminals, ATMs/POS terminals per 1 million capita
  • ATM withdrawals by number/by value, ATV per withdrawal, TXs per ATM/month
  • POS payments by number/by value, ATV per POS payment, TXs per POS/month
  • Internet Use, e-payment mix, B2C e-Commerce by value and growth rate
  • Issued Card brands by individual major issuer bank
  • Accepted card brands by individual major acquirer
  • Drill down into the debit card use and credit cards use details


Digital product provided in PDF format. You will receive a download link to a zip file containing your files after checkout. 


Version 1.1 - last updated 03/01/23