Uzum's Checkout Powered by Nasiya

Uzum is not just using credit to monetize shopping, it is using credit to make shopping happen in the first place. When nearly half of marketplace GMV goes through Nasiya, checkout approval becomes as important as price, selection, and delivery. That turns Uzum from a simple seller marketplace into a tightly linked commerce and lending machine, where one order can generate seller commission, lending income, and payment revenue at the same time.

• This matters most in higher ticket categories. Uzum already extends the same pre approved financing model into autos, and its bank app gives users installment and microloan limits up to 25M UZS. In practice, the shopper is not deciding only whether to buy, but whether Uzum will fund the purchase on the spot.
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• The merchant side is built around the same behavior. More than 10,000 businesses offer installments through Uzum Nasiya and Uzum To'lov, and merchants using installment acceptance report up to 30% higher turnover and up to 50% larger tickets. Financing is not an add on, it is a sales tool that helps merchants move more expensive goods.
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• The closest local competition is around checkout control, not just assortment. TBC Uzbekistan pairs Payme with Payme Nasiya across a 20M user ecosystem, while Alif also competes in installment led commerce. That means the real battle is over which app becomes the default place where consumers get approved, pay, and keep coming back for the next financed purchase.
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The next step is deeper expansion from marketplace BNPL into a broader operating system for consumer spending and merchant sales. As Uzum adds more cards, QR acceptance, offline merchant coverage, and financing led verticals, more commerce in Uzbekistan is likely to route through whichever platform controls instant approval at checkout, and Uzum is positioning to own that layer end to end.