Industry

Central Asian banks: digital transformation without core replacement

Regional banks build an ecosystem around existing core systems — Colvir, CFT, OpenWay, SAP — without risky core replacement. Digital transformation, AML, biometrics 2026, cross-sell, anti-fraud, and readiness for regulator and correspondent audits are addressed by a layer above existing systems. This hub gathers solutions, expertise, and cases for CIOs, CTOs, and retail and corporate block leaders of Uzbek and Central Asian banks.

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Banking as a SamaraliSoft industry hub. Solutions, expertise, and cases for CIOs, CTOs, and retail, corporate, and risk block leaders of Central Asian banks. Approach — a layer around the core, not its replacement.

Target Model

How This Industry Should Be Set Up

The core processes transactions and keeps records — that is its job and it does it well. Above the core, a layer must live where the customer exists wholly — a unified profile with product history, transactions, inquiries, consents, biometrics. All other blocks operate on this layer: retail, corporate, risk, marketing, AML, anti-fraud. Each block reads from the unified profile rather than building its own copy. Digital transformation programs proceed as phased work on this layer, not as core replacement. Biometrics 2026 is built in architecturally, not as a separate project. AML works as a unified process with case management. Anti-fraud sees the customer holistically, not just one operation. Bank-as-platform partner schemes for embedded finance are implemented through API gateway, not core copies.

Проблемы

Where It Breaks Most Often in This Industry

01

Digital transformation program runs but no architecture owner at the board level

02

One customer has 1.5-2 versions across product systems — cross-sell weak

03

AML runs in several isolated systems with three teams without a shared picture

04

Anti-fraud across cards, online, and social channels — three separate platforms, attack chains pass between them

05

CBU biometric requirements closed by parallel project, not part of architecture

06

Foreign correspondents raise tariffs due to reporting gaps

07

Branches lose money on falling traffic — cannot close, no one can rebuild

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Практика

Cases in This Industry

CRM Ecosystem for a Commercial Bank

A typical situation: the bank invests in acquisition but loses 30–40% of leads on the way to account opening. The cause is the gap between CRM and core banking. The solution is integration, not replacement.

Lead-to-client conversion increased by 35%

Onboarding time reduced from 5 days to 4 hours

Manual data entry reduced by 60%

Selling enterprise solutions to banks in Central Asia: from first contact to contract signing

Corporate sales to regional banks have specific dynamics — long cycle, multiple stakeholders, high compliance requirements. This case describes a real program of a technology company entering the Central Asian banking market — from first contact to first major contract in 14 months.

Target base segmentation from 50+ to 8 banks with readiness signals

Staged funnel with concrete artifacts introduced and stabilized in 6 months

First major contract signed at month 14 of the program

Onboarding Automation at a Retail Bank

A classic pain: the bank attracts SME clients but account opening takes 3–5 days — and 30–40% of applicants leave without waiting. The cause is not technology but organizational gaps between departments.

SME onboarding time reduced from 5 days to 4 hours

Applicant dropout during onboarding reduced by 62%

Manual data entry into core banking reduced by 85%

Lending Process Transformation at a Bank

Classic problem: loan applications take 2 weeks to process; clients leave for competitors. The cause — the bank digitized a paper process without redesigning it. The right approach: reengineering first, then automation.

Application-to-disbursement time reduced from 2 weeks to 2 days

Lending volume grew 45% in the first quarter

Process steps reduced from 23 to 9

Redesign of InBank banking information portal: rebuild around real user experience

InBank banking information portal needed redesign — outdated interface, low lead conversion, poor mobile version. Rebuild around real user path with focus on application conversion and SEO visibility. Full redesign and launch in 4 months.

Page load time dropped from 4-6 seconds to under 1 second (Lighthouse 95+)

Mobile-friendly index — portal passed all Google Mobile-Friendly checks

Structured data — all product pages have JSON-LD by type

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