Tajikistan
Tajikistan, a landlocked country in Central Asia with a population of around 9.8 million, is transitioning towards a more diversified economy with an increasing focus on digitalization. Historically reliant on remittances, agriculture, and energy exports, Tajikistan is now gradually modernizing its banking infrastructure and expanding its digital payment methods. With a young population and an expanding internet user base, Tajikistan presents both challenges and opportunities in its move towards a more inclusive financial system.
Tajikistan’s economy is heavily dependent on remittances, primarily from the large Tajik diaspora in Russia, which account for around 30% of the country’s GDP. Agriculture remains vital, with cotton, fruits, and vegetables being key exports. The government is focusing on boosting industrialization, infrastructure, and the service sectors, including finance, while striving to diversify away from remittances.
Despite these efforts, the country faces challenges such as inflation, unemployment, and reliance on a narrow set of industries. In 2023, the economy grew by around 7.3%, with growth primarily driven by services and the construction sectors.
Digital payments have been expanding in Tajikistan, though adoption remains gradual compared to regional peers. The increase in internet penetration and mobile usage is encouraging growth in mobile payment systems and e-commerce.
Top banks
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National Bank of Tajikistan (NBT)
The National Bank of Tajikistan (NBT) serves as the country’s central bank, regulating monetary policy, maintaining financial stability, and supervising commercial banks. It also oversees currency issuance, inflation control, and supports digital banking and financial inclusion initiatives nationwide.
Orienbank
Orienbank is one of Tajikistan’s largest and oldest private banks, providing a wide range of financial services, including corporate banking, retail loans, and digital banking solutions. It plays a key role in modernizing the country's financial sector and supporting business growth.
Amonatbank
Amonatbank is a state-owned bank in Tajikistan specializing in retail banking. It offers savings accounts, consumer loans, and payment services, particularly for public sector employees. The bank plays a key role in distributing pensions, salaries, and social benefits across the country.
Top payment methods
Concluding remarks
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