The interaction of Uzbeks with government digital services is fragmented. Core tasks are handled through specialized government apps (EGOV, Soliq), but integrating these functions into banking ecosystems shows massive potential.
A prime example is the successful link between Payme and the Soliq tax service, where users receive cashback for scanning receipts. Paying utility bills has long become a routine, but deep consolidation of government data and finance is not yet present in the market.
What is this research about?
In this study, conducted by Rocket Tech in January-February 2026, we held in-depth interviews with Uzbeks to explore their experience interacting with banking and payment ecosystems.
In this article, we analyze government services:
- How do different user segments pay taxes and fines?
- How do they feel about migrating government services into banking apps?
- What are they missing, and what stops them from deep integration?
Below is a detailed breakdown of four archetypes that define the Uzbek fintech landscape.
🌐 Ecosystem Nomads
Active users of multiple ecosystems, tech-savvy, 25+, working in IT or related fields. They seek value in every digital transaction and actively use government services for financial optimization.
Government (Rating: 5/10)
They are aware of tax refund opportunities and actively use them. They see huge potential in further expanding the functionality.
Quote: “I was surprised when Payme integrated with Soliq—the latter credits you with cashback for scanning receipts. Thanks to this, I completely cover some minor expenses” (Azamat).
Behavior: They monitor their credit history through EGOV and meticulously demand paper receipts in stores to get a 1% refund.
Blockers and barriers
- Data fragmentation: The need to exit the bank to EGOV to check the status of closed loans, which are often displayed with errors.
- Manual labor: The process of getting government cashback requires manual scanning of physical receipts, which degrades the UX.
- Incomplete integration: The lack of a unified hub within banks where all possible social and tax refunds would be collected.
🛡️ Cautious Functionalists
Mostly women 18–25+, use 2–3 apps for specific tasks, value stability and trust more than innovation.
Government (Rating: 4/10)
They use government services strictly out of urgent need (certificates, utilities), strictly separating the banking and government spheres.
Quote: “When I need to get certificates for the state dispensary, I go through EGOV, I have more trust in it” (Abduvakhid).
Behavior: They pay utility bills through the familiar Paynet, without trying to look for benefits in integrations.
Blockers and barriers
- The issue of trust: A clear mental separation where they trust government databases (EGOV) with personal certificates more than commercial banks.
- Lack of awareness: Poor knowledge about the existence of government payment tools with cashback (for example, the Xazna app).
- Power of habit: Using Paynet for all utility payments is such a deeply rooted habit that transferring it to an ecosystem is extremely difficult.
🌱 Youth
Young users (18–25+), using ecosystems fragmentarily. Interaction with the government is episodic (scholarships, minor fines).
Government (Rating: 4/10)
They know about some bonus programs from the government but use them unsystematically.
Quote: “There is Xazna—when you get an IELTS certificate, you can get a refund from the government” (Asilbek).
Behavior: They receive scholarships in targeted apps (Zumrad) and notice fine payment features there, but rarely use them systematically.
Blockers and barriers
- Episodic need: Due to their age, the youth rarely face the need for close interaction with taxes or utilities.
- Fragmented information: They learn about government compensations (e.g., for IELTS) externally, not from banking apps.
- Lack of proactivity: Banks do not send convenient push notifications about new fines or the opportunity to receive a subsidy.
🙅♂️ Rejecters
Users who have abandoned superapps. They prefer mono-apps to solve one specific task.
Government (Rating: 4/10)
Their attitude toward integrating government services into a bank is absolutely neutral. They resolve issues with auto fines and insurance on a point-by-point basis.
Quote: “Route24—you can track and pay fines there” (Visola).
Behavior: They use Click solely to pay for OSAGO insurance, and check fines in specialized third-party apps.
Blockers and barriers
- Resistance to superapps: Reluctance to move fine payments inside a banking app if there is already a convenient specialized tool.
- Narrow task profile: Interaction with the government comes down exclusively to mandatory auto payments; they do not need expanded functionality.
- Distrust of aggregation: Fear that the bank, having received data from government services, will start using it for marketing purposes.
Final summary
Users are ready to let government services into their banking apps only on the condition of direct financial or time benefits (tax cashback, instant fine payment). The integration of Payme and Soliq shows that gamification and bonuses can break down distrust and unite the government and fintech sectors.
