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Tashkent, Uzbekistan (UzDaily. com) — Artificial intelligence has become a major driver of a new wave of transformation in financial services and mobile telecommunications.
The synergy between these industries is creating products that can adapt to individual users, enhance security, and improve connection quality. At the FINNEXT Asia forum, Sergey Volkov, CEO of SberMobile, explained how AI is reshaping business models and the customer experience, opening new opportunities for the markets in Russia and Uzbekistan.
From Early MVNOs to Ecosystem Integration
Back in 2017, the launch of virtual mobile operators (MVNOs) within the banking sector seemed niche, with only a few projects worldwide. Around the same time, Sber in Russia became one of the first to integrate telecommunications into fintech.
Over the years, practice has shown that joint models provide a strong boost to both industries, a trend that has been actively developing in countries ranging from Japan to Kenya.
The reason is simple but powerful: by launching a virtual operator, a bank gains access to a vast array of real-time data available in the network. Customer profiles are enriched with information about behavior, typical routes, and how and where digital services are used.
This data enables the creation of more precise scenarios and the development of highly demanded products—from personalized offers to complex services that combine finance, travel, shopping, entertainment, and loyalty programs. For the operator, participation...