Мы строим первый исламский диджитал-банк в Центральной Азии - со-оcнователь Alif

During filming, we had an amazing experience: on February 28th, the war in Iran began, and we found ourselves almost at the epicenter of Iran's retaliatory actions against the Persian Gulf countries. Those paying close attention might even hear explosions during filming. War is war, but it didn't stop us from working (thank God), and we ended up with a wonderful interview with Zukhursho Rakhmatulloev, who spoke in detail and openly about the development of the future unicorn company Alif and plans to launch the first Digital Islamic Bank in Central Asia, covering every aspect and opportunity in detail. We discussed how Alif achieved record profits, why installment plans remain the main source of income, and what it means to work with other people's money without the margin for error. We also covered SMEs: why it's important to work with them as partners and what role they play in the economy. The episode also covered international investors, competition, promising markets, a possible IPO, and Alif's chances of becoming a unicorn. Join us, this episode is very relevant and interesting. Timestamps: 00:00:00 Intro 00:01:03 Dubai as an international hub and opportunities 00:02:59 Working with Uzbekistan and strategic objectives 00:04:46 About Alif's record profit in 2025 00:06:24 Installment payments are the main source of income 00:08:02 Banking license 00:10:55 About doing business in Uzbekistan 00:12:48 "We bring profit to other people's money" 00:14:35 About mistakes 00:16:39 Caution when working with other people's money 00:17:46 About the risks of financial products for SMEs 00:22:13 Scoring for business 00:24:06 The first Digital Islamic Bank in Central Asia 00:27:46 The consumption habits of the wealthy 00:30:07 About Over-indebtedness of the population of Uzbekistan 00:31:25 On working with the government and regulators 00:34:37 ​​Business rules that cannot be broken 00:37:31 Alif's competitive advantage 00:38:34 Management style and working with a team 00:39:49 Is there a place for friendship in business? 00:42:07 How to attract international investors 00:44:20 The most promising markets for fintech 00:45:50 On competition in the fintech market 00:47:11 Does Alif need an IPO? 00:48:43 Will Alif become a unicorn? 00:51:48 Why Revolut isn't entering Central Asia 00:52:39 "We are not considering selling Alif"