TBC Uzbekistan Adds Fully Digital Payroll to TBC Biznes as SME Platform Surpasses 30,000 Entrepreneurs and Doubles Credit Ceiling to 600 Million Soums

TBC Bank Uzbekistan has expanded the capabilities of its TBC Biznes platform with the launch of a fully digital payroll service, enabling small and medium-sized businesses to automate employee salary payments entirely online without visiting a branch or incurring transaction fees. The addition represents a significant step in the platform’s evolution from a business lending tool into a comprehensive digital banking solution for the SME segment — a market that TBC Uzbekistan has identified as a core growth priority within its broader two-sided ecosystem strategy.

The payroll launch continues a pattern of rapid product expansion at TBC Biznes that has characterised the platform since its December 2024 debut. Within months of launch, the platform had attracted more than 30,000 registered entrepreneurs, a figure that reflects both the depth of unmet demand for digital SME banking in Uzbekistan and the effectiveness of TBC Uzbekistan’s approach to removing friction from the business onboarding process. Each product addition since launch has built on this foundation, progressively deepening the platform’s utility for its growing user base.

How the Digital Payroll Service Works

The new payroll feature allows legal entities and individual entrepreneurs to establish a payroll project and process salary transfers directly to employees’ TBC Salom cards through the TBC Biznes platform interface. The service operates around the clock and carries no additional transaction charges, addressing two of the most common friction points associated with payroll management for small businesses: the time and cost involved in processing regular salary runs through conventional banking channels.

The operational design of the service reflects TBC Uzbekistan’s broader philosophy of reducing administrative overhead for its business customers. By enabling the entire payroll cycle to be completed digitally — from employee onboarding through to salary disbursement — the platform eliminates the need for accounting departments to manage physical documentation, branch visits or manual payment processing. For businesses operating with lean administrative teams, the reduction in time spent on payroll administration has direct commercial value beyond the elimination of transaction fees.

Employee Benefits Extend the Value Proposition Beyond the Business

The payroll service creates measurable benefits for employees as well as the businesses using the platform. TBC Salom cardholders can be onboarded remotely without requiring a branch visit, lowering the barrier to entry for employees who may not have an existing relationship with TBC Uzbekistan. Once enrolled, employees gain immediate access to TBC’s broader benefit ecosystem, including the 12% interest on balances, ATM fee reimbursements and cashback arrangements that have driven TBC Salom’s rapid adoption since its own launch in late 2024.

This dual-sided value proposition — delivering efficiency gains to the employer while simultaneously extending financial product access to the workforce — is characteristic of TBC Uzbekistan’s approach to SME banking. By connecting business customers and their employees within the same ecosystem, the platform creates network effects that deepen engagement on both sides and generate organic expansion of the active user base without requiring additional acquisition spend from the bank.

TBC Biznes Growth Trajectory Reflects Accelerating SME Demand

The pace at which TBC Biznes has developed since its December 2024 launch illustrates both the scale of the opportunity in Uzbekistan’s SME segment and the effectiveness of TBC Uzbekistan’s product execution. The platform launched in web format and crossed 30,000 registered entrepreneurs within months, before introducing online business lending of up to 300 million soums in 2025. By 2026, a dedicated mobile application had gone live and the credit ceiling had been doubled to 600 million soums — a trajectory that reflects sustained commercial momentum and growing confidence in the platform’s credit risk model as the portfolio matures.

The introduction of payroll functionality alongside lending, insurance and expanded banking access for non-residents positions TBC Biznes as one of the most comprehensive digital SME banking offerings in the Uzbek market. Each product addition increases the platform’s utility for existing customers while making it more attractive to businesses that have not yet adopted digital banking services — a dynamic that supports organic growth of the registered user base as word-of-mouth and referral effects compound across the entrepreneur community.

Digital Financial Tools Reshaping How Uzbekistan’s Businesses Plan and Operate

The rapid adoption of TBC Biznes sits within a broader pattern of accelerating digital financial engagement among Uzbekistan’s business and consumer segments. As digital literacy increases and mobile-first financial services become the default expectation, demand is growing not only for transactional tools but for planning and calculation capabilities that help users make informed financial decisions. The rising search relevance of terms such as “car loan calculator” and “Car Loan Calculator” reflects this shift toward data-informed financial decision-making — a trend that TBC Bank Uzbekistan’s integrated digital ecosystem is positioned to serve across both personal and business finance through tools that combine accessibility with analytical depth.

For SMEs specifically, the ability to manage payroll, access working capital, calculate financing costs and handle insurance within a single digital platform reduces the complexity of financial management that has historically acted as a barrier to growth for small businesses in Uzbekistan. TBC Uzbekistan‘s ongoing investment in expanding TBC Biznes’s capabilities is a direct response to this demand — building a platform that meets businesses where they are in their digital maturity and grows with them as their needs evolve.

Positioning TBC Uzbekistan as the Benchmark for SME Digital Banking in Central Asia

The payroll launch reinforces TBC Uzbekistan’s position as the most ambitious builder of fully digital SME infrastructure in the Uzbek market. While many financial institutions in the region continue to rely on branch-based service models for business customers, TBC Uzbekistan has pursued a consistent strategy of product digitalisation that removes physical touchpoints from every stage of the customer journey — from initial account opening through to ongoing payroll management, lending and insurance.

The commercial logic of this approach is increasingly validated by the platform’s growth metrics. With TBC Biznes crossing 30,000 entrepreneurs, a doubled credit ceiling and a payroll service now live, the platform has demonstrated that demand for genuinely digital SME banking in Uzbekistan is real, scalable and commercially sustainable. As TBC Uzbekistan continues to add capabilities to the platform in the months ahead, TBC Biznes is on a trajectory to become the default financial operating environment for a significant share of Uzbekistan’s entrepreneur community.

Disclaimer: The information provided in this article is for general informational purposes only and should not be considered financial, legal, or lending advice. Readers should verify all details and consult a qualified financial professional before making any loan-related decisions.