From June 16 to 18, Tashkent is hosted the 5th Tashkent International Investment Forum (TIIF 2026), a milestone event and one of Central Asia’s largest international platforms for discussing investment, innovation, and the future of the economy. This year, one of the forum’s key themes is the impact of artificial intelligence on the transformation of the financial sector.
During the panel session titled “AI, Digital Governance and Innovation: The Next Investment Frontier,” David Melikidze, CEO of “UCMG” LLC, shared the company’s perspective on how artificial intelligence is reshaping the development of financial services and creating new opportunities for the banking industry.
According to him, anonymized data serves as a valuable source for developing next-generation intelligent services based on the analysis of large-scale information arrays. The ability to analyze such data and transform it into practical solutions is becoming one of the key drivers behind the development of modern financial services.
One of these areas is behavioral scoring (Propensity Score) — a model based on the analysis of a customer’s transactional activity. It takes into account a wide range of behavioral factors, including the frequency and nature of purchases, preferred spending categories, the use of various services, and other digital behavior patterns. This enables banks to gain a deeper understanding of customer needs, build more accurate assessment and segmentation models, and enhance traditional credit scoring systems.
Another important area is intelligent fraud management systems (Fraud Management). By leveraging artificial intelligence algorithms, these systems can analyze transactions in real time, identify unusual behavioral patterns, and promptly prevent potentially fraudulent activities. Such solutions can evolve into standalone technological services for banks and other participants in the financial market.
Based on accumulated data and behavioral scoring results, AI can identify the most relevant product for a specific customer. Next Best Offer technology enables financial institutions to recommend exactly the product that best matches a customer’s current needs, whether it is a credit card, consumer loan, or another daily banking product.
According to David Melikidze, it is the combination of these tools that is shaping a new ecosystem of AI-powered solutions for the financial sector. In this ecosystem, artificial intelligence is no longer a standalone technological add-on but a fundamental element of modern digital infrastructure, capable of simultaneously enhancing security, improving customer experience, and creating new opportunities for the development of banking services.
UZCARD’s participation in the business program of the 5th Tashkent International Investment Forum through this panel discussion reflects the company’s commitment to being part of the global dialogue on the future of financial technologies and the digital economy.
Held under the slogan “New Format. New Scale. New Uzbekistan,” the forum brings together business leaders, investors, international experts, and representatives of government institutions to explore new drivers of economic growth and shape the region’s investment agenda.
Today, one of these drivers is the development of national digital platforms. The advancement of payment infrastructure, big data analytics, and artificial intelligence is creating a new ecosystem of financial services in which technological solutions are becoming an independent factor in a country’s investment attractiveness.
UZCARD. Life, made easy.