BAKU, Azerbaijan, May 18. TBC Uzbekistan is
transforming digital banking in the country with Lola, Central
Asia’s first AI banking assistant, and expanding financial
inclusion for small and medium-sized enterprises (SMEs), a TBC
spokesperson told Trend.


"Our proprietary Uzbek- and Russian-language LLMs allow Lola to
handle routine customer interactions with high accuracy, guiding
users through our financial products and everyday requests. When a
human touch is needed, the escalation process to our support team
is completely seamless. With Lola's broader capabilities, we are
taking this to the next level: by the end of 2026, Lola is
projected to independently resolve up to 30% of all inquiries," the
spokesperson said.


The bank revealed plans for expansion of Lola’s capabilities
further.


"In the near term, it will be able to provide customers with
information on their active loans, including outstanding balances,
upcoming payments, and repayment schedules. In time, Lola will
evolve into a fully-fledged financial assistant, capable of
supporting customers with income and expense analysis, budget
management, and payments. As part of this evolution, we plan to
launch a voice interaction feature, making digital banking more
accessible, intuitive, and perfectly tailored to our users'
fast-paced lives," the spokesperson added.


TBC Uzbekistan is also advancing financial inclusion for SMEs
through its TBC Nasiya installment business.







"Across TBC Uzbekistan, we are building a more inclusive
financial ecosystem for small and medium-sized businesses by
combining lending, payments, and business management tools. As of
Q1 2026, MSME lending (including self-employed customers) has
reached 18% of the total loan portfolio, with over 185,000 loans
issued," the spokesperson said.


According to the bank, TBC Nasiya helps merchants improve cash
flow and provides flexible payment solutions for end customers. "In
Q1 2026, TBC BNPL service reached 190,000 active users," the
spokesperson noted.


Looking ahead, the bank aims to scale MSME penetration and
ecosystem synergies. The spokesperson highlighted that TBC
Uzbekistan’s monthly active user base has reached 5.8 million, with
67,000 business clients, 21,000 of them active.