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HUMO

Facilitating Digital Payments and Financial Services in Uzbekistan

HUMO is a digital payment platform that has transformed the way financial transactions are conducted in Uzbekistan. Developed by the National Bank for Foreign Economic Activity of the Republic of Uzbekistan, HUMO offers users a comprehensive solution for digital payments, funds transfers, and access to various financial services.

Documentation
% of coverage
  • Country

    Uzbekistan

  • Population

    35.3 million

  • Number of Internet users

    29.5 million (estimated, 2024)

  • Popular payment methods

    Credit Cards, Debit Cards, E-Wallets, Cash, Bank Transfers

% of coverage
  • Credit Card

    10%

  • Debit Card

    40%

  • E-Wallets

    30%

  • Cash Payments

    15%

  • Bank Transfers

    4%

  • Other

    1%

Payment Method Overview
  • Type:Digital Payment Platform
  • Currency: Uzbekistani Som (UZS)
  • % of coverage: 50% of Uzbekistan’s card transactions (estimated)
  • Money transfers to date: USD 9 million annually (estimated)
  • Total customers: 27 million Humo cards issued (estimated)
  • Refunds: Yes (limited)
  • Chargebacks:Yes, subject to terms and conditions

About payment system

HUMO goes beyond basic digital payment solutions; it functions as a versatile platform for managing financial activities and accessing essential services. Users can link their bank accounts or credit cards to the HUMO app, enabling them to perform payments, transfers, and various other financial transactions.

In addition to core payment and fund transfer functions, HUMO empowers users to pay bills, access ATMs, and engage in a range of transactions. The platform’s multifunctional approach positions HUMO as an integrated solution for both financial management and everyday needs.

The significance of HUMO lies in its role in promoting digital payments and financial inclusion in Uzbekistan. By offering a user-friendly platform and a variety of services, HUMO contributes to driving the adoption of digital payment methods among a wide range of users.

The platform’s commitment to security, user experience, and innovation is evident in its secure authentication methods, encryption protocols, and user-friendly interface. As HUMO continues to expand its services and user base, it plays a pivotal role in shaping Uzbekistan’s digital financial ecosystem, offering users enhanced convenience, financial empowerment, and seamless access to a variety of services.

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Payment flow

The customer selects Visa as their payment option and enters their credit card details to complete the payment.

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Pricing

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