SME platform around the bank: accounting, legal, 1C, Soliq in one loop

What this solution is

SME Platform is the operating layer around the bank’s current account in which the SME customer manages not only finances but also accounting, taxes (Soliq), legal forms, procurement, counterparty documents.

Today the typical SME in UZ holds an account at the bank, runs accounting in Excel or 1C (separately), files Soliq reporting via a third party, writes contracts in Word. Each system lives apart, integration owner — the entrepreneur themselves.

The platform compresses this into one loop in which the bank is the anchor point.

When the bank needs this solution

SME segment provides a meaningful share of deposits but under-collected transactional revenue due to activity moving to non-bank services.

Fintech competitors (TBC SME, Anor SME, KAPITAL ONE for IP) actively move into the SME stack. Without response the bank loses SME growth.

SME cross-sell (credit, acquiring, FX, deposits) is low because the bank does not see the customer’s operating reality.

Acquiring a new SME customer is expensive (CAC), retention low — the customer moves to the next bank that offers a lower fee.

If 2-3 of these signs are present — the platform has commercial sense.

How it works

The platform consists of six connected layers.

Current account as foundation. Bank remains the primary record for cash flows. All other modules pull / push data here.

Accounting. Light-touch accounting, synchronised with the current account. Auto-categorisation of transactions, real-time P&L and cashflow. Without an accountant for small SME, with “accountant reviews” mode for mid.

Tax module (Soliq). Auto-generation of declarations from actual cash flows. Submission to Soliq.uz via integration. Reminders on deadlines.

1C integration. For SMEs using 1C — bidirectional sync (bank → 1C transactions, 1C → bank documents for payment).

Legal templates. Contract templates (supply, services, lease, NDA) with auto-fill of legal entity details. e-signature via ECP.

Procurement and counterparties. Catalogue of vetted counterparties, RFQ tools for small/medium procurement, electronic document flow.

What working with SamaraliSoft includes

SME segment audit (4-6 weeks). Map of current journey, key pain points, segmentation (from micro IP to medium SME), competitive positioning vs fintechs.

Platform design (8-10 weeks). Module architecture, integration map (Soliq, 1C, ECP, third-party services), UX flows, operating model for bank-side teams.

Legal and regulatory layer (in parallel, 6-8 weeks). Licensing (Soliq integration requires), data protection, partner agreements (1C, ECP providers).

Pilot launch (90-120 days). 200-500 SME customers in pilot. One or two key modules (typically — account + accounting + Soliq). Measurement of adoption, retention, cross-sell.

Expansion (12-18 months). Adding modules, expansion to full SME base, partnerships with 1C vendors and legal services.

What the bank gets

On an 18-month horizon:

SME retention rises significantly. Customer with 3+ modules in the platform churns 3-5x less than the standard SME customer.

SME cross-sell — credit, acquiring, FX — grows on visibility of operating reality.

Transactional volume to the account grows — money that previously moved to other accounts (IP to physical card) stays in the bank through convenience.

Acquisition costs decline — the platform becomes a differentiator rather than price.

SME data (anonymised aggregate) — value for the bank’s own credit risk modelling and for potential partnerships with retailers / government bodies.

When the solution is not needed

If the SME segment is a small share of the portfolio (<10%) and there is no strategic priority — investment does not pay back.

If the bank’s core (ABS) does not have open API — each module integration becomes a hero project.

If the regulator is not informed and not engaged — Soliq integration without legal clarity will not launch.

If the bank’s IT team is overloaded with other major initiatives (ABS migration, biometrics cbu.uz April 2026) — capacity is constrained.

If fintech competitors are too far ahead — the banker may buy a ready-made solution or partnership rather than build from scratch.

How to start

Request an SME Platform Strategy — 4-6 weeks. SME opportunity sizing, competitive analysis, regulatory mapping, pilot product design and a realistic 18-month roadmap.

Related

• /en/insights/banking-sme-segment/ — SME segment in UZ
• /en/insights/banking-soliq-integration/ — Soliq integration
• /en/architecture/banking-around-core-architecture/ — wrapping the ABS
• /en/decisions/banking-build-vs-buy-sme/ — build vs buy