Asosiy faktlar
- Click: 5 million oylik faol foydalanuvchilar, 36% tranzaksiya qiymati o'sishi
- Payme: 3.3 million oylik faol foydalanuvchilar, 42% tranzaksiya qiymati o'sishi
- Payme TBC Bank Group (Gruziya) tomonidan qo'llab-quvvatlangan
- Cross-border gambling payment restriction (Dec 2023) creates challenge for offshore operators
- Litsenziyalangan ichki operatorlar to'g'ridan-to'g'ri Payme/Click integratsiyasini yoqadi
Click: O'zbekistonning Fintech Quvvat Markazi
Click has transformed from a simple bill-payment app into a full digital financial ecosystem. As of mid-2025, Click serves over 20 million users in Uzbekistan, more than half the country's population. Its SuperApp brings together payments, insurance, loan repayments, delivery services, car services, shopping, and government services. Revenue grew 35.3% in 2024, with profits rising 37.5%.
2025 yil iyulida Qozog'istonning Halyk Bank Click bilan $237 million qiymatidagi strategik sheriklik shartnomasi imzoladi, bu platformaga nisbatan katta xalqaro ishonchni bildirdi. Halyk hozirgacha O'zbekistonga taxminan $1,5 milliard sarmoya kiritdi. Click, shuningdek, bank mahsulotlarini to'g'ridan-to'g'ri ishga tushirish uchun Tenge Bankni sotib olmoqda, fintech dan to'liq bank hududiga o'tmoqda. 70,000 biznes sherik va keng savdo to'lov infratuzilmasi bilan Click O'zbekistonda kundalik raqamli to'lovlarning asosi.
Payme: Fintech Mutaxassisi
Gruziyaning TBC Bank Group tomonidan qo'llab-quvvatlangan Payme raqamli to'lovlar, mikrokreditlar va savdogar xizmatlariga e'tibor qaratadi. 3.3 million oylik faol foydalanuvchi va yil o'sha yilga tranzaksiya qiymatining 42% o'sishi bilan Payme premium fintech segmentida kuchli o'rin egallaydi. Payme Global Economics tomonidan O'zbekistonda 2022-yil Eng Yaxshi Raqamli To'lov Xizmat Ko'rsatuvchisi sifatida tanlandi. 2025-yilda Payme savdogar texnologiyasiga diversifikatsiyalashib, $12 milliongacha chakana SaaS platformasi BILLZ ni sotib oldi.
Tikish Depozit Muammosi
The December 2023 government decree restricting cross-border gambling card payments affects how Payme and Click interact with offshore betting sites. Direct transfers from these wallets to unlicensed offshore operators are restricted. However, several pathways exist:
For licensed domestic operators (once launched): NAPP-licensed betting platforms will be able to integrate Payme and Click as direct to'lov usullari. This will be the most significant development, enabling one-tap deposits from the apps used daily by tens of millions of Uzbeks.
Kripto vositachi orqali: Payme ham, Click ham kripto birja hisoblarini to'ldirishi mumkin. Foydalanuvchilar litsenziyalangan
To'g'ridan-to'g'ri qayta ishlash (cheklangan): Ba'zi offshore operatorlar Payme yoki Click ni depozit usuli sifatida qabul qiladigan to'lov qayta ishlash munosabatlarini saqlab qolgan. Mavjudligi izchil emas va operator hamda vaqt davriga qarab farq qiladi.
Strategik Ahamiyat
Payme va Click'ning NAPP litsenziyali tikish operatorlari bilan integratsiyasi tub o'zgarish olib keladi. Click'ning 20 million foydalanuvchisi va Payme'ning 3,3 million foydalanuvchisi O'zbekistonning raqamli faol aholisining katta qismini tashkil etadi. Bu tanish ilovalar orqali bir tugmali tikish depozitlari mavjud bo'lganda, tikish istagi bilan haqiqiy pul qo'yish o'rtasidagi to'siq deyarli nolga tushadi. Bu tikishda ishtirok etish darajasi va depozit tezligini sezilarli darajada oshirishi kutilmoqda.
Kattaroq Manzara
Uzbekistan's fintech sector is consolidating rapidly. Paynet acquired Humo for $65 million. Halyk Bank invested $237 million in Click. Click is acquiring Tenge Bank. Payme acquired BILLZ. This consolidation means fewer, larger players controlling the digital payment infrastructure, and betting operators that secure integration with these platforms will have a decisive distribution advantage. For bettors, the practical takeaway is that payment convenience will improve rapidly through 2026 as these ecosystems mature and domestic betting licenses are issued.
Bu Nima Uchun Muhim
O'zbekistondagi tartibga solish o'zgarishlari qaysi operatorlar mavjudligiga, depozitlar va pul yechishlar qanday ishlashiga va qanday iste'molchi himoyalari mavjudligiga to'g'ridan-to'g'ri ta'sir qiladi. Xabardor bo'lish xavfsizroq tikish qarorlar qabul qilishga yordam beradi.