Tezkor as Uzum's Habit Layer

This shows that Uzum is using delivery to buy daily attention, then turning that attention into payments and lending usage. A person may buy from the marketplace a few times a month, but food, coffee, and convenience orders create many more reasons to open the app. That matters because Uzum owns the card, the transfer flow, the bill pay screen, and the credit offer inside the same product, so each delivery session becomes another chance to move a user deeper into the financial stack.

• The economics work like a classic superapp. Tezkor earns a service fee on the order itself, but the bigger prize is downstream monetization through interchange, payment processing, and loan spread. Uzum can make money on delivery now, then again when that same user pays with its card or borrows inside the app.
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• The closest playbook is Meituan and Rappi. In both cases, low margin food delivery built the repeat usage that later supported higher margin categories. Internal research on Meituan shows food delivery created the customer base that fed hotel bookings, while Rappi used the same pattern to push payments and multi category purchasing.
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• This habit layer is also defensive. Yandex already has daily transport and delivery entry points in Uzbekistan, and the competition authority has recognized Yandex Eats, Express24, and Uzum Tezkor as dominant digital platforms in delivery. In practice, whoever owns the most frequent urban use case gets the cheapest path to cross sell everything else.
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The next phase is turning Tezkor from a delivery product into a routing layer for the whole ecosystem. As Uzum adds more cities, more merchants, and more bank customers, the delivery app open stops being just a meal purchase and becomes the moment where deposits, transfers, QR payments, and credit are repeatedly reinforced as everyday behavior.