BS/2 Unveils New Digital Banking Solutions at Forum in Uzbekistan

From 16 to 18 April 2025, Tashkent hosted one of the largest financial events in Central Asia: Banks & Business Expo 2025. The international forum brought together key players in the banking and fintech sectors: more than 10,000 participants, over 100 exhibitors, and more than 30 speakers from 30 countries participated in a rich business program.  

The event was organized by the Central Bank of the Republic of Uzbekistan, the Association of Banks of Uzbekistan, Uzexpocentre, as well as Global Expo and Biz Network. The main objective of the forum was to shape the vector of development of the financial industry in the region through the demonstration of advanced technologies, exchange of practical experience, and discussion of key trends in the industry. 

Banks & Business Expo 2025 participants Kirill Ovsiannikov, Deputy CEO for Strategic Development at BS/2; Nikolajs Želņins, Deputy CEO of Commerce at BS/2; Dmitry Kharchenko, CEO of BS/2 Tashkent; Vladimir Alekseev, Regional Head of Markets (Kazakhstan, Uzbekistan); and Sigitas Šniukas, Head of Sales Department at ASHBURN International. 

One of the central events of the forum was the presentation by Kirill Ovsiannikov and Denis Kohaev, Head of Business Technical Support Department of JSCB “Kapitalbank” (Uzbekistan). Their report “Evolution of banking self-service in Uzbekistan” was devoted to the practical experience of implementing new solutions on the example of Kapitalbank.  

As part of the presentation, BS/2’s Customer Journey Map & Analytics (CJM&A) solution was presented. The system allows analyzing the entire customer journey when using ATMs, identifying problem points, and optimizing service scenarios. Using machine learning techniques and AI-enabled transaction analysis, the solution helps:  

• Assess the behavior of individual users and groups;  

• Identify problem points and delays at each stage;  

• Conduct A/B testing of interfaces;  

• Create an interface based on behavioral patterns;  

• Reduce overall transaction times and increase device throughput;  

• Increase customer satisfaction through more intuitive interactions. 

In addition, the visitors were able to familiarise themselves with the work of MobileControl.iQ. This is an innovative tool that allows you to control an ATM using your smartphone. The solution realizes the concept of contactless service: the client can perform operations on the self-service device without touching the ATM screen. Management is performed via a mobile application, which acts as a personal interface and ‘external screen’ of the ATM.  

Key features of MobileControl.iQ:  

• The customer manages transactions directly from their phone, including accepting and disbursing cash, viewing balance, printing/sending cheques and more.  

• No touching the ATM – all actions take place through the mobile interface.  

• The system uses biometric data (facial recognition) or QR code login, which significantly reduces fraud risks.  

• The solution reduces equipment wear and tear and maintenance cost, reduces the need for consumables, and minimizes the need for physical contact with the device.  

This approach is particularly relevant in the context of the growing demand for remote digital services. 

Kapitalbank Showcases Smart ATM from Diebold Nixdorf 

A new model of DN Series smart ATM from Diebold Nixdorf, the world’s leading manufacturer of self-service equipment, was demonstrated at Kapitalbank’s stand. The device is equipped with a 24-inch touchscreen and represents a full-fledged digital platform with extended functionality:  

• Top-up without a card (check details);  

• Acceptance and exchange of currencies (cash-to-cash);  

• Self-collection for entrepreneurs and companies;  

• Support for HUMO, VISA, and MasterCard cards;  

• Integration with payment systems (Paynet);  

• Remote support with direct operator connection;  

• Intelligent cash monitoring and forecasting;  

• Operation on the Windows 11 LTSC platform.  

The participants at the event were able to familiarize themselves with the operation of the device, test the new services, and discuss technical details with representatives of the bank and the project partner BS/2. 

Digital Self-Service as a Key to Industry Transformation 

Uzbekistan’s financial sector is demonstrating rapid development toward digitalization. Over the last year alone, the number of ATMs and info kiosks in the country has grown by 33 percent to 27,844 devices, and the number of bank cards issued has exceeded 50.9 million.  

Kirill Ovsiannikov, Deputy CEO for Strategic Development at BS/2:  

Today an ATM is not just a device for cash withdrawal, but a full-fledged channel of digital interaction between the bank and the client. At BS/2 we consider self-service devices as flexible and intelligent platforms capable of adapting to the changing needs of users and forming a new standard of customer service. The development of the ATM network in Uzbekistan is a continuous evolution, and we are proud to contribute to it.

In addition to Kapitalbank, the exhibition also featured: JSCMB “Ipoteka-Bank”, JSCB “Turonbank“, JSCB “Microcreditbank“, JSCB “Business Development Bank”, JSCB “Uzpromstroybank“, JSC “Common Republican Processing Centre”, JSC “YANGI BANK”, JSCB “Agrobank“, JSC “Asakabank“, JSC “Xalq bank“ (Uzbekistan), JSCB “Tenge Bank”, JSC “TBC Bank “, JSC “Mybank“.   

Banks & Business Expo 2025 became a platform for presenting cutting-edge solutions, discussing the prospects of the financial industry, and establishing new business contacts. Topics such as payment systems development, digital currencies, blockchain, cyber security, AI, and Open Banking, as well as the impact of technology on training in the industry, were at the center of attention.  

BS/2’s participation in the forum emphasizes its active role in the development of financial technologies in Central Asia. The company will continue to develop and implement advanced tools that change the approach to banking.