“Because we attract customers on e-commerce, we retain them on high-transaction businesses like daily banking, which is 100% digital. We monetize them on our lending or credit products, which are 100% Sharia-compliant, which is also very appealing to at least 85% of the population in Uzbekistan,”

https://techcrunch.com/2024/03/25/uzbekistan-unicorn-uzum-series-a-funding/