Ipak Yuli Bank
Bank
Flights and hotelsTravelTech consultant for financial ecosystems
I build travel verticals for banks and fintech companies
Travel consulting: from strategy and API to suppliers, operations and daily sales. Backed by 25+ years of hands-on experience and 5 operating travel ventures.
Dozens of local and international fintech companies already sell airline tickets and hotel bookings through our solutions.
For international travel companiesI help you enter and establish a presence in Uzbekistan25+years in tourism and TravelTech
5travel ventures built
2successful business exits
8live fintech integrations
25+years in travel
Practitioner. Founder. Strategist.
Ventures built over the yearsorexca.comotpusk.uzhotelios.uzbookhara.uzhurma.uz
Live today
Eight live integrations already connect financial ecosystems in Uzbekistan to my travel solutions
This is not a concept from a presentation.
Partners are connected to my companies’ travel infrastructure and use our technology, suppliers, settlements and operating expertise.
Their customers buy flights and hotels through us every day.
Payme
TBC Bank ecosystem
Flights and hotelsXazna
Halk Bank ecosystem
Flights and hotelsAlif
Fintech ecosystem
Flights and hotelsKettik
Beeline ecosystem
Flights and hotelsThe pointThese companies did not have to master a complex travel business from scratch. They connected to proven infrastructure and started selling travel to their customers.
Who I build travel for
Travel can strengthen different financial models
I help select a use case that fits your audience, product and revenue model.
Banks
Cards, FX, lending, affluent customers, loyalty and corporate banking.
Payment services and wallets
More transactions, new fees, stronger retention and more reasons to open the app.
BNPL and microfinance
Purpose-led financing for holidays, healthcare, education and business travel.
Superapps and telecom
A new daily use case, eSIM, roaming, loyalty and cross-sell across the ecosystem.
Marketplaces
New merchants, insurance, bundled offers and better monetisation of an existing audience.
Why travel matters to fintech
Not another button, but a meaningful life use case
Kaspi and Tinkoff showed that a financial app grows faster when it owns not only the payment, but also important jobs in a customer’s life.
Many companies want the ecosystem effect but do not know how to connect a customer use case with suppliers, technology, financing, support and unit economics. Travel brings all of these elements into one vertical.
What changes for the business
Transactions and retention
High-value purchases, repeat sales and new reasons to use the app.
Lending and FX
Instalments, purpose-led loans and foreign exchange before and during the trip.
B2B and merchant network
Business travel, corporate cards, hotels, insurers and transport partners.
Data, loyalty and a new asset
Personalisation, travel rewards and a standalone vertical with its own value.
What fintech can launch
From one use case to a complete travel vertical
Start with the product most likely to deliver an early result, then expand the proposition step by step.
Travel checkout
Flights, hotels and ancillary services inside your app or website.
BNPL and purpose-led financing
Holidays, Umrah and Hajj, healthcare, education and family trips.
Travel card, cashback and FX
A dedicated proposition for travellers, affluent customers and entrepreneurs.
Corporate travel
B2B portal, limits, documents, corporate cards and credit lines.
Loyalty and ancillary services
Rewards, insurance, eSIM, transfers, lounge access and additional sources of value.
For international travel companies
Enter Uzbekistan’s travel sector with a local partner who knows how it really works
A strong product and a healthy budget are not enough. To establish a durable position in Uzbekistan, you need to understand local business culture, the real industry landscape, customer behaviour and how decisions are made.
Uzbekistan is one of the region’s most dynamic travel markets. The opportunity is significant, but standard market-entry playbooks often miss the local realities that determine whether a launch gains traction.
Discuss entering UzbekistanHow I help you enter and establish the business
Understand the landscape
Get a clear view of actual demand, competitors, sales channels, operating realities and practical entry points.
Adapt the model
Identify what must change across the product, pricing, payments, support and customer journey for the local audience.
Find the right partners
Connect with reliable suppliers, banks, fintech companies, travel players and other stakeholders that matter to the launch.
Navigate negotiations
Account for local business culture, prepare the right position and prevent avoidable misunderstandings at critical stages.
Launch and establish
Build a realistic entry plan, run a pilot and create a local operating presence without wasting time or capital.
Hands-on experienceFrom a local startup to international partnerships
Why clients trust me
I know travel from operating it, not from reports
I went from building a travel website with my own hands to running technology platforms, teams, suppliers and international partnerships.
I do not sell a ready-made presentation. I help teams make the right product decisions, assemble a working model and reach real sales.
- Built ventures from scratch and took them to sustainable sales
- Changed business models, navigated crises and relaunched products
- Sold businesses I created to strategic buyers
- Connected travel, technology, finance and local operating realities
A strong travel product does not start with a flight search. It starts with understanding the customer and business job it must solve.
Ventures built
Not presentations. Real products.
B2C and B2B, inbound and outbound travel, flights, hotels and integrations with financial ecosystems.
01Incoming tourism
OrexCA.com
One of Uzbekistan’s earliest major online travel businesses. Built from scratch, made profitable and successfully sold.
02B2C travel
Otpusk.uz
A strong local outbound travel brand with its own product, sales, marketing, audience and a successful exit.
03Hotel infrastructure
Hotelios.uz
B2B hotel distribution infrastructure with direct contracts, API connectivity and operating expertise across Central Asia.
04Flights and fintech
Bookhara.uz
Flights and ancillary travel services integrated with banks, fintech companies and international partners.
05Online hotels
Hurma.uz
A local B2C hotel booking service with a clear customer experience and special rates.
The ability to spot an underserved opportunity and turn it into a sustainable product.
What I take ownership of
From business model to first booking
I connect fintech logic with travel operating reality and help teams avoid learning through expensive mistakes.
Strategy and economics
Define why travel matters to your business, who the customer is and where value is created.
Product and technology
Design the customer journey, service mix, API integrations and a realistic launch sequence.
Supply and commercial model
Set up access to flights, hotels and ancillary services, settlements and contractual terms.
Operations and post-sale
Build in refunds, exchanges, support, reconciliation, documents, fraud controls and quality assurance.
Launch and growth
Prepare the team, sales channels, loyalty, communications and the next stage of growth.
Ways to work together
I join where the outcome matters
Start with one strategic session or work together all the way to launch.
Discuss a projectStrategy session
Objectives, use cases, priorities and a realistic first step.
Audit and architecture
Product, economics, risks, team, partners, roadmap and KPIs.
End-to-end launch
From negotiations and integration to operations and first sales.
Strategic advisor
Ongoing support for the CEO, product owner and delivery team.
In the media
I was talking about the digital future of travel long before travel became part of fintech
Articles and interviews on the development of online travel in Uzbekistan.
Let’s talk
Let’s discuss your travel use case
Tell me what you want to solve. I will suggest a realistic first step and show where my experience can create the most value.
Contact me directly
A few words about your project
A few sentences are usually enough. I will reply personally.