As the modern financial services industry rapidly evolves, banks are no longer seen as mere providers of loans or custodians of accounts. Today’s customers expect real-time, technology-driven collaboration that supports their decision-making and integrates seamlessly with their businesses. In Uzbekistan, this shift is being powered by PLATMA, a cutting-edge platform transforming the way banks engage with clients.
PLATMA is a digital operating system tailored for small and medium-sized enterprises (SMEs), fully integrated into core banking infrastructure. Backed by the venture capital firm AloqaVentures, the platform is currently being deployed within Aloqabank, allowing the institution to move beyond traditional financial services and embrace a “Bank 2.0” model—one where the bank becomes a digital business partner.
Through PLATMA, the bank and its clients operate within a unified system. The platform ingests real-time data from clients, applies artificial intelligence to analyze their business activity, and offers personalized, predictive recommendations. The bank evolves from a passive service provider into an intelligent system that proactively suggests the right financial solutions at the right time.
With PLATMA, SME clients gain access to dynamic business dashboards that track key metrics like financial health, expenses, revenue, and sales volume in real time. The AI engine provides actionable insights—suggesting cost-saving strategies, investment opportunities, and growth directions. The platform is integrated with CRM, ERP systems, e-commerce tools, accounting software, government registries, and the bank’s own core systems.
PLATMA’s no-code automation capabilities allow businesses to customize digital workflows without developers, enabling quick adaptation to changing needs. A full suite of financial products—including loans, factoring, and insurance—becomes accessible with a single click.
This level of integration turns the bank into an inseparable digital ally. Constant interaction, real-time information exchange, and tailored recommendations allow the bank to transition from being just a financial provider to becoming a true business partner.
This transformation delivers significant value for banks: attracting new clients, including those from competitors; increasing customer loyalty and lifetime value (LTV); reducing churn; and positioning the bank not just as a service provider, but as an integral part of the customer’s business ecosystem.
In contrast to traditional banking—where customers must seek out solutions on their own, data is siloed, and credit processes are slow and fragmented—the “Bank 2.0” model powered by PLATMA revolutionizes this experience. Clients gain a comprehensive, real-time view of their operations, rapid loan approvals, and intelligent, data-driven financial advice.
PLATMA also serves individual users, functioning as a personal financial assistant. It analyzes spending, aids in financial planning, and presents a consolidated dashboard of all bank accounts. Users can monitor personal financial health through indicators like net worth, savings rate, free cash flow, debt-to-income (DTI), liquidity ratio, payment-to-income ratio (PIR), and cost-to-income ratio (CIR).
The platform monitors risk in real time—automatically retrieving clients’ tax records, profit & loss statements, balance sheets, and receivables/payables. This accelerates credit decisions and improves risk assessment accuracy.
Moreover, PLATMA includes over 120 automated triggers: changes in asset ownership, tax payments, new bank accounts, property purchases, and more are instantly flagged, allowing the bank to respond rapidly and effectively.
PLATMA is natively integrated into banking infrastructure. It offers API connectivity, native core banking integration, white-label branding, on-premises deployment, and enables banks to build their entire ecosystem on the PLATMA foundation.
PLATMA is not just another tech startup—it represents the beginning of deep digital transformation in Uzbekistan’s banking sector. It empowers banks to become integrated, predictive, flexible systems that actively support customer decisions. A bank running on PLATMA is a “Bank 2.0”—an intelligent and indispensable financial partner woven into the fabric of the client’s daily business and life.
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