TBC Uzbekistan Launches TBC Avto: A 24-Hour Digital Car-Buying Revolution

TBC Uzbekistan has moved beyond pure-play digital banking with the full-scale launch of TBC Avto, an end-to-end car-buying platform that integrates financing into the vehicle procurement process. By collapsing a traditionally fragmented offline journey into a 24-hour digital-first experience, the group is positioning itself as a lifestyle orchestrator in Central Asia’s most populous market.

What was announced

The launch of TBC Avto follows a successful pilot period and introduces a comprehensive suite of features designed to digitise the automotive purchase cycle. Users access the service via the existing TBC UZ mobile banking app, where they can browse vehicle models from a network of partner dealerships located across Tashkent. The platform allows for both upfront payments and integrated financing options directly through TBC Avto.

A key differentiator in the model is the hybrid approach to customer service. While the vehicle selection and initial financial arrangements are handled digitally, the company has introduced a personal TBC Avto concierge service. This human element is designed to guide customers through the final stages of the transaction, including physical dealership visits and the completion of legal paperwork. The primary value proposition is speed, with the company aiming to reduce the total time from selection to key handover to approximately 24 hours.

While currently focused on the capital city of Tashkent, plans are underway to bring this offering to people in other regions across Uzbekistan in the coming months. This rollout coincides with the broader integration of the ecosystem, which includes the AI assistant Lola, who guides users across various services. Additionally, a unified subscription service is currently in development, intended to bundle various TBC products and unlock new benefits for the user base.

"This expanded offering enables people to complete the purchase of a vehicle and drive it away in around 24 hours, reflecting our vision to take the hassle out of financial services and make people’s lives easier. More than just another loan product, it represents a fundamentally new car-buying experience for Uzbekistan, transforming a complex, often lengthy process into a quick, accessible and transparent journey. Over the past six years, we’ve pioneered a new way of delivering financial services and are excited to bring this approach to more daily tasks, expanding our reach and allowing us to help our customers in more ways."

Nika Kurdiani, CEO at TBC Uzbekistan.

The companies involved

TBC Uzbekistan operates as the digital arm of the London-listed TBC Bank Group, a major financial institution with deep roots in the Caucasus and Central Asia. The Uzbek entity has rapidly evolved from a digital bank into a broader financial ecosystem, leveraging its mobile-first infrastructure to capture a significant share of the country's burgeoning fintech market. The group’s strategy in Uzbekistan has been characterized by expansion into non-banking sectors to create a "super-app" environment that caters to both individuals and SMEs.

This strategy is supported by targeted acquisitions, including majority stakes in BILLZ, a retail management software-as-a-service (SaaS) platform, and OLX Uzbekistan, the nation’s dominant online classifieds marketplace. These moves provide TBC with a unique data advantage and multiple touchpoints in the consumer journey, from retail management to secondary market sales. Under the leadership of Nika Kurdiani, CEO at TBC Uzbekistan, the company has focused on integrating AI-driven support and lifestyle services, maintaining a high profile as a leading digital bank in the region.

What FF News has reported before

FF News has closely tracked the evolution of TBC Uzbekistan as it transitions from a challenger bank to a dominant regional player. In July 2026, we reported on the initial phase of this strategy in TBC Uzbekistan Enters Secured Lending Market with Launch of Digital Car Loans, which laid the groundwork for the current TBC Avto ecosystem. The bank's rapid growth and technical sophistication have also earned international recognition; we covered how TBC Uzbekistan Named Among World’s Top Fintechs by CNBC and Statista for Second Year. Furthermore, the institution's dominance in the regional market was cemented earlier this year, as detailed in TBC Uzbekistan Sweeps Euromoney Awards as Central Asia’s Best Digital Bank.

What this means

The full launch of TBC Avto signals a shift in the fintech landscape where credit is no longer the product, but a feature of a larger commerce journey. By embedding financing directly into a car-buying platform, TBC is putting significant pressure on traditional lenders who rely on third-party referrals or walk-in business. The move highlights a growing trend in emerging markets: the "super-app" race is being won by those who can solve physical-world friction, such as dealership paperwork, rather than just digital-world friction. For the wider sector, the question is whether pure-play banks can survive without owning the underlying marketplace or the customer’s lifestyle data.