The healthcare sector in Uzbekistan is completely disconnected from the functionality of banking ecosystems. Booking doctor appointments, paying for services, and viewing test results happen either offline or through fragmented, frequently freezing apps (for example, DamuMed).
Because of this, a vacuum has formed, which technically literate users fill using external neural networks (ChatGPT, Gemini) to decipher diagnoses and search for medications. The demand for combining medical services with convenient bank payments exists, but has not yet been realized by anyone.
What is this study about?
In this study, conducted by Rocket Tech in January-February 2026, we held in-depth interviews with Uzbekistanis to explore their experience interacting with banking and payment ecosystems.
In this article, we analyze the healthcare sector:
- How do different user segments solve medical tasks?
- What role does AI play in their health care?
- What are they missing, and what stops them from integrating medicine into banking?
Below is a detailed breakdown of four archetypes that define the landscape of Uzbekistan's fintech.
🌐 Ecosystem Nomads
Active users, 25+, working in IT. They are used to solving problems quickly and technologically, compensating for the shortcomings of local ecosystems with global tools.
Health (Rating: 2/10)
They use ChatGPT and Gemini as medical surrogates, are aware of the lack of integration with the bank, but do not believe it will appear anytime soon.
Quote: "Out of the AI tools, I use Gemini — to decipher my test results... For the composition and indications of medications — I also use it to search and compare prices across different sources" (Zhansaya / Konstantin).
Behavior: They upload their medical data to external AIs to get interpretations, and independently scrape medication prices on the internet.
Blockers and barriers
- Lack of database integration: Local banks do not have access to medical records and pharmacy price lists, making it impossible to create a smart assistant within a super app.
- Need for manual price comparison: The gap between searching for the right medication and the process of paying for it — the user has to search for everything manually.
- Banks' focus on basic transactions: An understanding that developing medical modules is not a priority for local banks.
🛡️ Cautious Functionalists
Mostly women 18–25+, they use apps for specific tasks and value stability.
Health (Rating: 2/10)
They use specialized services for sports, but the idea of combining medicine and banking seems alien to them.
Quote: "1fit — booking workouts (it's convenient that you can choose the place and time)" (Visola).
Behavior: They successfully use fitness gym aggregators (1fit), but solve medical issues the traditional way, not expecting help from ecosystems.
Blockers and barriers
- Mental barrier: A persistent reluctance to mix confidential medical information with financial data in a single app.
- Habit of using external aggregators: Sports needs are fully covered by convenient third-party apps; there is no point in switching to a bank.
- Fear for medical confidentiality: Concerns about the leakage of sensitive diagnoses if access is granted to bank servers.
🌱 Youth
Young users (18–25+), who have no chronic diseases and rarely visit doctors.
Health (Rating: 1/10)
The topic of health through ecosystems is absolutely irrelevant to them at their current stage of life.
Quote: (The topic is irrelevant by age, no quotes available).
Behavior: They ignore rare health insurance offers, considering them unnecessary expenses.
Blockers and barriers
- Lack of life need: Due to youth and health, the segment simply does not face the problems of searching for medications or doctors.
- Ignoring preventive medicine: A low level of culture for regular check-ups, which banks could stimulate with cashbacks.
- Not perceiving the bank as a health partner: The bank is associated exclusively with transfers and paying for taxis, but not with taking care of the body.
🙅♂️ Refusers
Users tired of the technical problems of existing services.
Health (Rating: 1/10)
They are disappointed with the current quality of medical portals and form a singular, but clear demand for a seamless connection between medicine and banking.
Quote: "We have DamuMed, where you can view test results, but it constantly freezes — it would be convenient to book them and pay through Kaspi, for example" (Zhansaya).
Behavior: They suffer from the freezing of official medical portals and want to move the booking and payment process to a stable banking app.
Blockers and barriers
- Technical inadequacy of medical portals: Constant freezing of existing state or private apps (DamuMed) kills trust in digital medicine.
- Gap between booking and payment: The inability to pay for a doctor's appointment directly at the moment of booking the time in one click.
- Disappointment in services: Negative experiences using medical platforms force them to return to calling the registry.
Final Summary
The integration of health into banks is at ground zero. At the same time, users experience significant discomfort due to the lack of a single digital medical window. Implementing AI for deciphering test results, a medication price aggregator, or simply a stable doctor booking module with seamless payment could become a serious competitive advantage for any super app.
