According to Visa’s Pay and Get Paid 2026 study, only 37% of surveyed small and medium-sized businesses in Uzbekistan use solutions that combine digital payments with business management. Meanwhile, 55% consider these tools attractive. The study was conducted with support from Ipak Yuli Bank.
Among the main challenges reported by business owners were compliance with tax and regulatory requirements (23%), administrative work (17%), and financial record-keeping (16%). Using separate tools can complicate daily operations and take up time that could otherwise be devoted to business growth.
The findings suggest that the next stage of digitalization for small and medium-sized businesses involves not only adopting digital payments but also integrating them into everyday business management. Such solutions could simplify financial processes and improve operational efficiency.
