SME platform design for the bank

What we know about SME platforms for banks

SME segment is the most growth-relevant in UZ banking, and the most neglected. Banks see SME as “account + occasional loan”, SME owners see the bank as “one of several services”.

The platform changes that. Anchor — current account, layers — accounting, legal, taxes, procurement, document flow.

Our expertise:

Module architecture. Which modules to build first (transaction account + accounting + Soliq), which later (legal templates, RFQ).

Partner ecosystem. 1C vendors, Soliq integration providers, ECP providers, legal tech — which to partner, which to own.

Regulatory mapping. Soliq, cbu.uz, legal data protection — each module has its own compliance footprint.

Pricing model. Subscription vs free vs cross-sell-driven. Bank-side vs customer-side economics.

Onboarding flow. Branch advisor assisted vs digital self-service for each segment.

Operating model. Cross-functional team — branch operations, IT, partner relations, customer support.

Where we help

SME Platform Strategy — 4-6 weeks. Sizing, competitive landscape, regulatory mapping, target architecture.

Pilot Engagement — 12-15 months. Module rollout with pilot cohort, iteration.

Partnership Procurement — 8-12 weeks. 1C, Soliq, legal vendor selection and contracting.

What we bring

Real understanding of SME pain points in UZ context — bookkeeping, Soliq frustration, legal documentation.

Banking integration expertise — wrap ABS safely.

Vendor knowledge — local 1C / Soliq landscape.

Related

• /en/solutions/banking-sme-platform/ — SME platform solution
• /en/cases/banking-sme-platform-pilot/ — pilot case
• /en/decisions/banking-build-vs-buy-sme/ — decision
• /en/insights/banking-sme-economics/ — SME economics