Uzbekistan’s financial system is entering a new phase of digital transformation. In the summer of 2025, UZCARD, one of the country’s leading payment systems, and zypl.ai, an international AI company, officially announced the launch of a joint venture — oneziyo.ai.
This initiative is more than just a tech partnership — it’s a landmark moment for Uzbekistan as one of the first major efforts to integrate artificial intelligence (AI) into the core infrastructure of the country’s financial institutions.
AI: A new age for finance
The mission of oneziyo.ai is clear: to introduce generative AI technologies into key operational processes of banks and financial institutions. The company offers applied AI solutions in areas such as:
- Behavioral credit scoring
- Real-time fraud detection
- Transaction monitoring
- Portfolio stress testing under macroeconomic shocks
- Predictive recovery and portfolio dynamics
In a landscape where manual analysis and legacy scoring systems are still widely used, these innovations signal a leap forward for Uzbekistan’s financial ecosystem.
The power behind the partnership
UZCARD
A cornerstone of Uzbekistan’s digital economy, UZCARD manages the infrastructure that processes millions of transactions daily. Its deep integration with local banks and microfinance institutions makes it an ideal platform for deploying and scaling advanced AI technologies nationwide.
zypl.ai
Founded at Stanford and headquartered at the Dubai AI Campus, zypl.ai brings a unique fusion of Silicon Valley expertise and Central Asian roots. The company has developed state-of-the-art tools for risk modeling using synthetic data, currently serving over 60 financial institutions across Central Asia, the MENA region, the U.S., and Southeast Asia. Together, they manage a combined credit portfolio of over $300 million.
The Tech Stack: zGAN, Lucid, and zAdmin
At the core of oneziyo.ai lies zGAN, zypl.ai’s patented technology for generating synthetic data — including rare “black swan” scenarios. This allows institutions to build models that are resilient in the face of unpredictability and data scarcity.
Supporting tools include:
- Lucid – a no-code platform that enables users to build and train AI models without writing a single line of code;
- zAdmin – an integration module that seamlessly embeds AI models into core banking and credit systems.
With UZCARD’s local infrastructure, these tools will be adapted to fit the regulatory and operational realities of Uzbekistan’s financial sector.
Transforming the way finance works
Uzbekistan’s financial institutions are facing rising volumes of data and increasingly complex risks. Yet, many still rely on traditional, often manual, approaches to risk assessment.
With oneziyo.ai, the shift is toward:
Reducing defaults and delinquencies
Speeding up decision-making
Enhancing customer risk profiling
Improving access to finance for individuals and SMEs
Global Vision: built in Uzbekistan, ready for the world
The creation of oneziyo.ai is not limited to domestic impact. The joint venture is building scalable, export-ready AI models, tailored for markets with underdeveloped data infrastructures — particularly in Central Asia, the Middle East, and Southeast Asia.
Uzbekistan will serve as a launchpad for testing, localizing, and refining these AI solutions before global deployment — a strategy designed to meet the growing international demand for resilient, adaptive AI tools in emerging financial markets.
oneziyo.ai is not just a tech company — it’s the foundation of a smarter, data-driven financial system in Uzbekistan. By combining local scale with global AI expertise, this initiative positions Uzbekistan as a regional hub for AI-powered financial innovation.
