Fintech
Fintech in the CIS
From Almaty to Tashkent and Yerevan, digital banking and payments are growing fast. We help lenders and fintechs build products and credit decisions that scale safely.
Management consulting across the CIS.
Tikab works with banks, fintechs, investors, and climate-focused organisations in Kazakhstan, Uzbekistan, Armenia, and Tajikistan, helping them modernise finance, apply AI, and make climate decisions with confidence.
- Kazakhstan
- Uzbekistan
- Armenia
- Tajikistan
Our view
Some of the fastest-changing financial markets are in the CIS.
Across Central Asia and the Caucasus, banking reform, digital payments, and super-app ecosystems are changing how people borrow, pay, and save. At the same time, water stress and fossil-heavy energy systems in parts of the region make climate a practical, economic question.
We bring sector depth to these shifts, helping leadership teams find where value sits, build credit and AI capabilities that scale, and design operating models that can move quickly.
- 01Sector depth.
- 02Practical delivery.
- 03Senior teams.
Market context
What is changing across the CIS.
Banking reform and competition
Privatisation, new licences, and digital-first competitors are reshaping banking markets across the region.
Digital finance at scale
Payments, remittances, and digital lending are growing quickly, and credit risk management has to keep pace.
Water and energy pressure
Water scarcity and the energy transition turn climate risk into decisions about assets, investment, and resilience.
How we help
How we help across the CIS.
Four areas where our sector depth meets the region's priorities.
Fintech and finance
Strategy and operating models for banks, fintechs, and payments companies competing in fast-digitising markets.
FocusDigital banking, payments, remittances, embedded financeCredit risk
Credit strategy, scoring for thin-file and SME borrowers, and model governance for growing loan portfolios.
FocusLending, scoring, risk appetite, monitoringAI transformation
From first use cases to governed, scaled AI, focused on the decisions that change the economics.
FocusUse cases, prototypes, AI governanceClimate and water
Physical climate risk, water security, and transition decisions backed by credible evidence.
FocusPhysical risk, water security, transition
Our practices
Our practices in the region.
Climate
Climate in the CIS
Glacier melt, water stress, and the energy transition make adaptation urgent across Central Asia. We help organisations act on evidence, not assumptions.
FAQ
Questions about the CIS.
Which CIS countries do you work in?
We work across the CIS, with a focus on Kazakhstan, Uzbekistan, Armenia, and Tajikistan.
What kind of organisations do you work with in the CIS?
Banks, fintechs, lenders, investors, and climate-focused organisations, from growing challengers to established institutions.
Can you help build credit risk capabilities for new lending products?
Yes. We help design credit strategy, scoring and decision models, and model governance, including for SME and thin-file borrowers where data is limited.
How do we start working with Tikab?
Tell us what you are working on through our contact page. We reply within two working days with an honest view on fit and where we would start.
Start here
Have a decision to make in the CIS?
Tell us what you're working on. We'll reply within two working days with an honest view on whether we're the right team, and where we'd start.
Related
Explore more of our work in these markets and sectors.
GCCManagement consulting for the GCC.Credit RiskCredit risk decisions you can defend.