The investor conversation has set the bar. Now the builders respond. Central Asia is no longer invisible: it has real platforms, new capital, a growing fintech base and an Islamic-finance market beginning to take shape. But the real test is whether founders can build products that customers trust, investors can back them with conviction, and institutions can create the rails that allow them to scale beyond a single market.
This is a direct conversation between the people building companies, deploying capital and shaping the ecosystem around them. Is the problem that Central Asia is under-covered, under-capitalised or under-connected? Why does 80% of Islamic fintech still sit in ten countries? And which constraint binds first - regulation, capital, talent, distribution or customer trust?
Audience will leave with:
- The investor and operator test for what makes a fintech ecosystem genuinely investable.
- A practical view of the conditions that allow Islamic-finance startups to scale across markets.
- A short list of actions for founders, investors, banks and policymakers over the next 12 months.
The investor conversation has set the bar. Now the builders respond. Central Asia is no longer invisible: it has
“O‘zlashtirilmagan” degan ta’rif bu yerda juda katta ma’noni anglatadi. Aslida, O‘zbekistonni o‘zlashtirilmagan bozor deb bo‘lmaydi. 2018-yilda mamlakatda 24 ta FinTech kompaniyasi faoliyat yuritgan bo‘lsa, 2025-yil sentyabriga kelib ularning soni 103 taga yetdi. Uzum 2025-yilda taxminan 1,5 milliard AQSH dollari qiymatiga baholanib, uning investorlari qatoridan Tencent ham joy oldi. Markaziy bank va Osiyo taraqqiyot banki hamkorligida o‘tkazilgan so‘rov natijalariga ko‘ra, raqamli to‘lovlarni amalga oshirayotgan yoki qabul qilayotgan aholi ulushi 2021-yildagi 39 foizdan 2025-yilda 71 foizga ko‘tarildi. 2025-yil noyabr oyida qabul qilingan Prezident qarori bilan Markaziy bank zimmasiga FinTechni rivojlantirish vazifasi yuklatildi. Shuningdek, FinTech ofisi, Innovatsiyalar markazi va 50 million AQSH dollari miqdoridagi venchur jamg‘armasi tashkil etildi hamda 2030-yilgacha FinTech kompaniyalari sonini 200 taga yetkazish maqsadi belgilandi. Demak, bu o‘zlashtirilmagan bozor emas, balki hali yetarli darajada e’tibor qaratilmagan bozor. Bu esa mutlaqo boshqa va ancha qiziqarli imkoniyatlarni anglatadi. Mazkur sessiyada O‘zbekistonda faoliyat yuritayotgan startap asoschilari biznes yuritish jarayonida duch kelayotgan to‘siqlar, bozorning tarqoqligi hamda xorijdan turib shakllangan tasavvurlarning qaysi jihatlari haqiqatga mos kelmasligini o‘z tajribalari asosida bayon qiladilar.
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