{{Short description|Bank and fintech company in Tajikistan}} {{Infobox company | name = Alif Bank OJSC | logo = | logo_size = 250px | image = Бинои асосии Алиф.png | image_alt = The headquarters of Alif Bank in Dushanbe | image_caption = The headquarters of Alif Bank in Dushanbe | native_name = ҶСК Алиф Бонк | type = Open joint-stock company | industry = Financial services | founded = {{start date and age|2014|df=y}} | hq_location_city = Dushanbe | hq_location_country = Tajikistan | num_locations = 14 offices | key_people = '''Khofiz Shakhidi''' <br><small>(Chairman of the Supervisory Board)</small><br>'''Gulanor Atobek '''<br><small>(Chairman)</small>
<br>'''Abdullo Qurbonov''' <br><small>(Co-founder)</small><br>'''Zuhursho Rahmatulloev''' <br><small>(Co-founder)</small><br>'''Firdavs Mirzoev''' <br><small>(Co-founder)</small> | products = {{hlist| corporate banking| car loan | credit cards }} | num_employees = 1000 <small>(2024)</small> | website = {{URL|https://alif.tj|alif.tj}} }}
'''Alif Bank''' (full name '''Alif Bank Open Joint Stock Company''',<ref>{{Cite web |title=ALIFTJ22 XXX BIC / SWIFT Code - ALIF BANK OPEN JOINT STOCK COMPANY Tajikistan |url=https://wise.com/gb/swift-codes/ALIFTJ22XXX |access-date=2025-01-10 |website=Wise |language=en-GB}}</ref><ref>{{Cite web |title=ALIFTJ22 BIC/SWIFT-код для ALIF BANK OPEN JOINT STOCK COMPANY |url=https://ohmyswift.io/swift-codes/%D0%A2%D0%90%D0%94%D0%96%D0%98%D0%9A%D0%98%D0%A1%D0%A2%D0%90%D0%9D/ALIFTJ22 |access-date=2025-01-10 |website=ohmyswift.io |language=ru}}</ref> ''{{langx|tg|Ҷамъияти саҳомии кушодаи “Алиф Бонк”}}''; former name '''MDO Alif Capital''') is a commercial bank and fintech company<ref>{{Cite web |title=Alif |url=https://internationalfintech.com/company/alif/ |access-date=2025-01-10 |website=International FinTech |language=en-GB}}</ref><ref>{{Cite web |title=Building an ecosystem of financial products in Tajikistan |url=https://ibsintelligence.com/podcasts/building-an-ecosystem-of-financial-products-in-tajikistan/ |access-date=2025-01-10 |website=IBS Intelligence |language=en-US}}</ref> in Tajikistan. The bank is headquartered in Dushanbe and has three branches and 14 service centers in various cities of Tajikistan.<ref>{{Cite web |title=Terminals, ATMs and offices {{!}} Alif |url=https://www.alif.tj/en/bank/contacts/offices/dushanbe?city=27 |access-date=2025-01-10 |website=Terminals, ATMs and offices {{!}} Alif |language=en}}</ref>
== History == After several years of studying and working abroad, Abdullo Kurbanov, Zuhursho Rahmatulloev, and Firdavs Mirzoev founded Alif in Tajikistan in 2014.<ref name=":2">{{Cite web|url=https://www.ozodi.org/a/tajik-banking-sector-interview/29748651.html|title=Мудири "Алиф Сармоя" як дарди бонкҳои Тоҷикистонро шарҳ дод.ВИДЕО|work=Радиои Озодӣ |language=tg|date=2019-02-03|archive-url=https://web.archive.org/web/20200707130016/https://www.ozodi.org/a/tajik-banking-sector-interview/29748651.html|archive-date=2020-07-07|accessdate=2020-02-14 |last1=Юсуфӣ |first1=Муллораҷаб |last2=Ятим |first2=Шодмони }}</ref><ref>{{Cite web|url=http://news.tajweek.tj/view/5-startapov-molodyh-tadzhikov-kotorymi-my-gordimsya/|title=5 стартапов молодых таджиков, которыми мы гордимся|language=ru|date=2019-05-23|publisher=tajweek.tj|archive-url=https://web.archive.org/web/20200711113151/http://news.tajweek.tj/view/5-startapov-molodyh-tadzhikov-kotorymi-my-gordimsya/|archive-date=2020-07-11|accessdate=2020-02-14}}</ref> According to the company's website, it initially started with three people, offering microloans to the public.<ref>{{Cite web|url=https://vc.ru/u/819399-alif/246846-kak-finteh-v-tadzhikistane-sozdal-sobstvennuyu-ekosistemu-otkryl-it-akademiyu-i-privlek-10-millionov-investicii-v-kapital|title=Как финтех в Таджикистане создал собственную экосистему, открыл IT-академию и привлёк $10 миллионов инвестиций в капитал — Алиф на vc.ru|author=Алиф|website=vc.ru|date=2021-05-17|language=ru|accessdate=2024-11-27}}</ref>
On 19 December 2019, MDO Alif Capital LLC was transformed into Alif Bank OJSC then, by the decision of the Board of the National Bank of Tajikistan dated 3 January 2020, under No. 1, Alif Bank OJSC was granted a License to conduct banking operations in national and foreign currencies.<ref name=":1">{{Cite web |title=LLC MDO Alif-Sarmoya has been issued a license for effecting banking operations |url=https://nbt.tj/en/old_news/?ELEMENT_ID=431774 |access-date=2025-01-10 |website=nbt.tj}}</ref><ref>{{Cite web|url=https://asiaplustj.info/en/news/tajikistan/economic/20200106/micro-financing-organization-using-the-principles-of-islamic-finance-upgraded-into-bank|title=Micro-financing organization using the principles of Islamic Finance upgraded into bank|website=asiaplustj.info|publisher=ASIA-Plus|accessdate=2024-11-27}}</ref>
== Timeline == '''2014'''
* April 29 — Alif Capital was founded<ref name=":2" /><ref>{{Cite web |last=January 2025 |first=3rd |date=2025-01-03 |title=Alif secures $20m debt investment from Accial Capital to boost financial inclusion in Uzbekistan - FinTech Futures: Fintech news |url=https://www.fintechfutures.com/2025/01/alif-secures-20m-debt-investment-from-accial-capital-to-boost-financial-inclusion-in-uzbekistan/#:~:text=Founded%20in%202014,%20Alif%20provides,featuring%20over%20250%20partner%20stores. |access-date=2025-01-14 |website=www.fintechfutures.com |language=en-GB}}</ref> and signed a car loan agreement with its first client.<ref name=":3">{{Cite web |title=History, culture and product {{!}} Alif |url=https://www.alif.tj/en/bank/about-us |access-date=2025-01-14 |website=History, culture and product {{!}} Alif |language=en}}</ref>
'''2015'''
* October 7 — The first Customer Relationship Management (CRM) software was designed, which was later launched in 2016.<ref name=":3" />
'''2016'''
* March 14 — Alif Capital was granted a banking license, enabling it to open savings accounts and conduct financial transactions domestically and internationally.<ref name=":1" /> * April 1 — The first savings account was opened.<ref name=":3" /> '''2017'''
* January 1 — Alif launched core banking system, developed by its in-house programming team.<ref name=":3" /> * March 17 — Joined the National Payment System Korti milli and began issuing its payment cards.<ref name=":4">{{Cite web |date= |title=The Role of Information Technologies in the Digital Economy of the Republic of Tajikistan |url=https://www.scitepress.org/Papers/2022/113537/113537.pdf |access-date=2025-01-14 |website= |language=en}}</ref> * June 3 — Alif Shop, one of the first marketplaces in Tajikistan offering purchases by installments, was launched.<ref name=":3" /> * August 1 — Alif Academy was established, offering free programming courses to promote IT development in Tajikistan.<ref name=":3" /> * October 16 — Alif Capital opened its first banking service center in Khujand.<ref name=":3" /> * November 4 — Alif launched its first online acquiring platform, Alif Pay, enabling cardholders of the National Payment System Korti milli to make online transactions.Alif launched its first online acquiring platform, Alif Pay, allowing Korti milli cardholders to make online payments.<ref name=":3" />
'''2018'''
* January 6 — Alif Mobi, a mobile wallet, was launched.<ref name=":4" /> * January 29 — Alif Capital joined the international money transfer system.<ref name=":3" /> * August 20 — Alif launched the Salom installment card, which allows customers to purchase goods and services online and offline.<ref name=":3" /> * October 26 — Alif Online's website was developed with a personal account feature for tracking operations and services used.<ref name=":3" />
'''2019'''
* Khofiz Shakhidi acquired 25% of Alif Bank's shares and became the chairman of the supervisory board.<ref>{{Cite web |title=Khofiz Shakhidi {{!}} Chairman of the board - Alif Bank |url=https://councils.forbes.com/profile/Khofiz-Shakhidi-Chairman-board-Alif-Bank/73241455-77b1-46be-8e99-16e95467c47c |access-date=2025-01-10 |website=Forbes Finance Council |language=en}}</ref><ref>{{Cite web |title=Alif Records Over 121% Year-on-year Growth, User Numbers Rise to 1.5 Million |url=https://financialit.net/news/islamic-finance/alif-records-over-121-year-year-growth-user-numbers-rise-15-million |access-date=2025-01-10 |website=Financial IT |language=en}}</ref>
'''2020'''
* January 3 — Alif Capital received a banking license under No. 0000114 from the National Bank of Tajikistan and became Alif Bank.<ref>{{Cite web|url=https://khovar.tj/rus/2020/01/alif-sarmoya-pereimenovan-v-alif-bank/|title="Алиф Сармоя" переименован в "Алиф Банк"|date=2020-01-06|publisher=Ховар|archive-url=https://web.archive.org/web/20200107161538/http://khovar.tj/rus/2020/01/alif-sarmoya-pereimenovan-v-alif-bank/|archive-date=2020-01-07|accessdate=2020-02-14}}</ref><ref>{{Cite web|url=https://www.thebanker.com/World/Central-Eastern-Europe/Alif-Bank-looks-to-further-international-expansion/(language)/eng-GB|title=Alif Bank looks to further international expansion|date=2020-01-21|publisher=The Banker|archive-url=https://web.archive.org/web/20200214053938/https://www.thebanker.com/World/Central-Eastern-Europe/Alif-Bank-looks-to-further-international-expansion/(language)/eng-GB|archive-date=2020-02-14|accessdate=2020-02-14}}</ref> * June — The Italian rating agency MicroFinanza Rating confirmed Alif Bank's operational capacity and assigned it a BBB/Stable financial rating.<ref>{{Cite web|url=https://www.mf-rating.com/reports/?sreport=alif|title=MFR Reports - Financial & Social Ratings & Assessments|website=MFR|accessdate=2024-11-28}}</ref> * July 7 — Alif Bank and Visa became strategic partners to develop the digital payment ecosystem in Tajikistan.<ref>{{Cite web |title=Visa и Алиф Банк объявили о стратегическом партнерстве для развития цифровой платежной экосистемы в Таджикистане {{!}} Новости Таджикистана ASIA-Plus |url=https://asiaplustj.info/ru/news/tajikistan/economic/20200707/visa-i-alif-bank-obyavili-o-strategicheskom-partnerstve-dlya-razvitiya-tsifrovoi-platezhnoi-ekosistemi-v-tadzhikistane |access-date=2025-01-10 |website=asiaplustj.info |language=ru}}</ref> '''2021''' * August 13 — Alif Business Internet banking passed an information security test (pentest) from the Swiss company ImmuniWeb.<ref name=":4" />
'''2022'''
* November 2 — Gulanor Atobek was appointed as the new CEO of Alif Bank.<ref>{{Cite web|url=https://vecherka.tj/archives/55208|title=Назначен новый руководитель Алиф Банка|language=ru|last=|website=Вечёрка|date=2022-11-02|access-date=2024-12-17|archive-date=2024-12-19|archive-url=https://web.archive.org/web/20241219142954/https://vecherka.tj/archives/55208|url-status=live}}</ref>
'''2023'''
* Alif received three licenses for operations in the securities market, thereby broadening its range of services.<ref>{{Cite web|url=https://asiaplustj.info/ru/news/tajikistan/society/20231114/alif-poluchil-3-litsenzii-na-osutshestvlenie-deyatelnosti-na-rinke-tsennih-bumag|title=Алиф получил 3 лицензии на осуществление деятельности на рынке ценных бумаг {{!}} Новости Таджикистана ASIA-Plus|website=asiaplustj.info|language=ru|accessdate=2024-11-29}}</ref> * Alif Bank established investment agreements with Mashreq Bank (UAE) and Aktif Bank (Turkiye).<ref>{{Cite web|url=https://daryo.uz/en/2023/12/27/alif-bank-signs-investment-agreements-with-uaes-mashreq-bank-and-trkiyes-aktif-bank|title=Alif Bank signs investment agreements with UAE's Mashreq Bank and Türkiye's Aktif Bank|language=en|first=|last=|website=Daryo.uz|date=2023-12-27|access-date=2024-12-17|archive-date=2024-12-19|archive-url=https://web.archive.org/web/20241219185114/https://daryo.uz/en/2023/12/27/alif-bank-signs-investment-agreements-with-uaes-mashreq-bank-and-trkiyes-aktif-bank|url-status=live}}</ref><ref>{{Cite web|url=https://alif.tj/ru/bank/news/sotrudnichestvo-s-bankami-oae-i-turczii|title=Сотрудничество с банками ОАЭ и Турции|language=ru|website=Сотрудничество с банками ОАЭ и Турции|access-date=2024-12-17|archive-date=2024-12-19|archive-url=https://web.archive.org/web/20241219203348/https://alif.tj/ru/bank/news/sotrudnichestvo-s-bankami-oae-i-turczii|url-status=live}}</ref> * In September, Alif received an α- Medium rating from the Italian rating agency MicroFinanza Rating.<ref>{{Cite web|url=https://asiaplustj.info/ru/news/tajikistan/society/20231018/mfr-v-ocherednoi-raz-podtverdilo-finansovuyu-ustoichivost-alif-banka|title=MFR в очередной раз подтвердило финансовую устойчивость Алиф Банка|website=asiaplustj.info|publisher=ASIA-Plus|accessdate=2024-11-27}}</ref>
'''2024'''
* Alif Mobi passed cybersecurity tests by the international company Snapsec (UK), reaffirming Alif's commitment to digital security.<ref>{{Cite web |date=2024-02-01 |title=Alif Mobi успешно прошёл проверку кибербезопасности |url=https://asiaplustj.info/ru/news/tajikistan/economic/20240201/alif-mobi-uspeshno-proshyol-proverku-kiberbezopasnosti#article-likeblock |website=Asia-Plus}}</ref> * Alif Bank and Mastercard signed an agreement to expand cashless payments in Tajikistan, launching Mastercard issuance.<ref>{{Cite web|url=https://www.asiaplustj.info/ru/news/tajikistan/society/20240404/alif-i-mastercard-zaklyuchili-dolgosrochnoe-soglashenie-dlya-razvitiya-beznalichnih-platezhei-v-tadzhikistane|title="Алиф" и Mastercard заключили долгосрочное соглашение для развития безналичных платежей в Таджикистане {{!}} Новости Таджикистана ASIA-Plus|website=www.asiaplustj.info|language=ru|accessdate=2024-11-29}}</ref> * Celebrated its 10th anniversary, reflecting on a decade of achievements and growth.<ref>{{Cite web|url=https://asiaplustj.info/ru/news/tajikistan/society/20240430/alifu-10-let-mechta-kompanii-prinyosshaya-mnogo-peremen|title="Алифу" - 10 лет: мечта компании, принёсшая много перемен {{!}} Новости Таджикистана ASIA-Plus|website=asiaplustj.info|language=ru|accessdate=2024-11-29}}</ref> * Alif Bank and Visa introduced Google Pay services in Tajikistan for the first time, advancing digital payment options.<ref>{{Cite web|url=https://www.asiaplustj.info/ru/news/tajikistan/economic/20240625/alif-i-visa-predstavlyayut-novii-uroven-platezhei-s-google-pay-v-tadzhikistane|title="Алиф" и Visa представляют новый уровень платежей с Google Pay в Таджикистане {{!}} Новости Таджикистана ASIA-Plus|language=ru|website=www.asiaplustj.info|access-date=2024-12-17|archive-date=2024-12-19|archive-url=https://web.archive.org/web/20241219010600/https://asiaplustj.info/ru/news/tajikistan/economic/20240625/alif-i-visa-predstavlyayut-novii-uroven-platezhei-s-google-pay-v-tadzhikistane|url-status=live}}</ref><ref>{{Cite web |title=The Top 6 Best Digital Banks in Tajikistan - OneSafe Blog |url=https://www.onesafe.io/blog/digital-banks-in-alif-bank |access-date=2025-01-10 |website=www.onesafe.io |language=en}}</ref>
== Management == * The Chairman of Alif Bank OJSC is Gulanor Atobek.<ref name=":0">{{Cite web |title=Management of Alif Bank OJSC |url=https://alifwebsite.alif.tj/uploads/Management_of_Alif_Bank_OJSC_edc6d27006.pdf |website=alif.tj}}</ref><ref>{{Cite web|url=https://khovar.tj/rus/2022/11/dvadtsat-let-v-sfere-audita-naznachen-novyj-rukovoditel-alif-banka/|title=Двадцать лет в сфере аудита. Назначен новый руководитель "Алиф Банка"|language=ru|date=2022-11-02|publisher=НИАТ "Ховар"|access-date=2024-12-17|archive-date=2024-12-19|archive-url=https://web.archive.org/web/20241219154331/https://khovar.tj/rus/2022/11/dvadtsat-let-v-sfere-audita-naznachen-novyj-rukovoditel-alif-banka/|url-status=live}}</ref> * The deputy chairman is Daler Karimov.<ref name=":0" /><ref>{{Cite web|url=https://weproject.media/articles/detail/daler-karimov-ob-osobennostyakh-raboty-v-krupneyshem-banke-tadzhikistana-i-pochemu-vazhno-soblyudat-/|title=Далер Каримов об особенностях работы в быстрорастущем банке Таджикистана, и почему важно соблюдать корпоративную культуру|language=ru|website=weproject.media|access-date=2024-12-17|archive-date=2024-12-19|archive-url=https://web.archive.org/web/20241219113233/https://weproject.media/articles/detail/daler-karimov-ob-osobennostyakh-raboty-v-krupneyshem-banke-tadzhikistana-i-pochemu-vazhno-soblyudat-/|url-status=live}}</ref>
== Shareholders == The sole shareholder of Alif Bank OJSC is Alif Capital Holdings Limited, a legal entity established under the laws of the United Kingdom. As of December 5, 2024, the paid-up authorized capital of Alif Bank OJSC amounts to 153,600,000 somoni.<ref>{{Cite web |date= |title=Information about shareholder |url=https://alifwebsite.alif.tj/uploads/Informacziya_ob_akczionere_angl_5d84db74b8.pdf |website=alif.tj}}</ref>
== Issues == On 20 June 2020, the National Bank of Tajikistan imposed a fine of 500,000 somoni on Alif Bank due to shortcomings in its personnel policy.<ref>{{Cite web|url=https://your.tj/za-chto-oshtrafovali-alif-bank-na-500-tysjach-somoni-i-kak-prinjali-jeto-v-samom-banke-korotko-o-samom-glavnom-za-segodnja/|title=За что оштрафовали "Алиф банк" на 500 тысяч сомони и как приняли это в самом банке? Коротко о самом главном за сегодня|language=ru|date=2020-06-22|publisher=YOUR|access-date=2024-12-17|archive-date=2024-05-21|archive-url=https://web.archive.org/web/20240521191951/https://your.tj/za-chto-oshtrafovali-alif-bank-na-500-tysjach-somoni-i-kak-prinjali-jeto-v-samom-banke-korotko-o-samom-glavnom-za-segodnja/|url-status=live}}</ref> Abdullo Kurbanov emphasized the bank's "transparency in operations" and its "responsibility to society".<ref>{{Cite web |title=Alif Bank reportedly fined 500,000 somoni for shortages in corporate management {{!}} Tajikistan News ASIA-Plus |url=https://asiaplustj.info/en/news/tajikistan/economic/20200622/alif-bank-reportedly-fined-500000-somoni-for-shortages-in-corporate-management |access-date=2025-01-14 |website=asiaplustj.info |language=en}}</ref>
In 2021, the Tax Committee under the Government of the Republic of Tajikistan demanded additional tax payments from Alif Bank amounting to approximately 1.6 million somoni (including fines) for the year 2019.<ref>{{Cite web|url=https://asiaplustj.info/ru/news/tajikistan/economic/20210327/alif-bank-obvinili-v-neuplate-nalogov|title="Алиф Банк" обвинили в неуплате налогов {{!}} Новости Таджикистана ASIA-Plus|language=ru|website=asiaplustj.info|access-date=2024-12-17|archive-date=2024-12-19|archive-url=https://web.archive.org/web/20241219231947/https://asiaplustj.info/ru/news/tajikistan/economic/20210327/alif-bank-obvinili-v-neuplate-nalogov|url-status=live}}</ref> As a result of legal proceedings, the bank was required to pay the specified amount.
== Awards and Recognitions == '''2020'''
* Winner in the categories Fastest Growing Retail Bank in Tajikistan 2020 and Best Digital Wallet 2020 by Global Banking & Finance.<ref>{{Cite web|url=https://www.globalbankingandfinance.com/global-banking-finance-awards-2020-award-winners/|title=GLOBAL BANKING & FINANCE AWARDS|language=en|website=|accessdate=2024-11-25|archive-date=2020-02-29|archive-url=https://web.archive.org/web/20200229234724/https://www.globalbankingandfinance.com/global-banking-finance-awards-2020-award-winners/|url-status=live}}</ref>
'''2021'''
* Alif Bank received the ICD's Global Finnovation Award 2020 for its Alif Mobi app and Salom installment card at the annual meeting of the Islamic Development Bank Group.<ref>{{Cite web|url=https://icd-ps.org/en/news/icd-announces-winners-of-its-international-financial-innovation-competition-titled-icds-finnovation-award-2020|title=ICD ANNOUNCES WINNERS OF ITS INTERNATIONAL FINANCIAL INNOVATION COMPETITION TITLED "ICD'S FINNOVATION AWARD 2020|date=2021-08-08|access-date=2024-12-17|archive-date=2024-12-02|archive-url=https://web.archive.org/web/20241202141341/https://icd-ps.org/en/news/icd-announces-winners-of-its-international-financial-innovation-competition-titled-icds-finnovation-award-2020|url-status=live}}</ref> '''2022'''
* Received the GENStarters Award 2022 at the annual Global Entrepreneurship Network award event in Riyadh, Saudi Arabia.<ref>{{Cite web |date=2022-03-28 |title=Global Entrepreneurship Network Honors Top Startup Champions at Compass Awards Ceremony |url=https://www.genglobal.org/ewc/global-entrepreneurship-network-honors-top-startup-champions-compass-awards-ceremony |access-date=2025-01-14 |website=www.genglobal.org |language=en}}</ref>
'''2023'''
* Alif Shop became the only marketplace from the CIS to be included in the top 100 of EWC 2022 out of 30,000 startups.<ref>{{Cite web|url=https://retail-loyalty.org/news/alif-sredi-luchshikh-edinstvennyy-startap-iz-sng-v-top-100-ewc-2022/|title=Алиф среди лучших: единственный стартап из СНГ в ТОП-100 EWC 2022|language=ru|website=retail-loyalty.org|date=2023-03-02|access-date=2024-12-17|archive-date=2024-12-19|archive-url=https://web.archive.org/web/20241219125540/https://retail-loyalty.org/news/alif-sredi-luchshikh-edinstvennyy-startap-iz-sng-v-top-100-ewc-2022/|url-status=live}}</ref> * The Golden Award “Brand of the Year-2022” in the nomination Banking Financial Organizations.<ref>{{Cite web |title=Как в Душанбе определяли лучшие бренды страны {{!}} Новости Таджикистана ASIA-Plus |url=https://www.asiaplustj.info/ru/news/tajikistan/society/20230428/kak-v-dushanbe-opredelyali-luchshie-brendi-strani |access-date=2025-01-21 |website=www.asiaplustj.info |language=ru}}</ref>
'''2024'''
* Winner of Global Islamic Finance Awards 2024 in the category Islamic Debit Card Of The Year by The Digital Banker.<ref>{{Cite web|url=https://www.youtube.com/watch?v=bZJUy50-474|title=#IFA24 Islamic Debit Card of the Year (Highly Acclaimed) - Alif Bank|last=The Digital Banker|website=YouTube |date=2024-06-17|access-date=2024-12-17|archive-date=2024-12-17|archive-url=https://web.archive.org/web/20241217154539/https://www.youtube.com/watch?v=bZJUy50-474&gl=US&hl=en|url-status=live}}</ref><ref>{{Cite web|url=https://thedigitalbanker.com/awards/global-islamic-finance-awards/#pastWinnersSections|title=Global Islamic Finance Awards 2025 - The Digital Banker|language=en|accessdate=2024-11-25|archive-date=2024-08-04|archive-url=https://web.archive.org/web/20240804055144/https://thedigitalbanker.com/awards/global-islamic-finance-awards/#pastWinnersSections|url-status=live}}</ref> * Alif Bank received awards for Best Fintech Project and Best Marketplace in Tajikistan.<ref>{{Cite web|url=https://ecpat.tj/tpost/aetupira01-natsionalnaya-premiya-v-oblasti-elektron|title=Национальная премия в области электронной коммерции Таджикистана: шаг к цифровому будущему|website=ecpat.tj|access-date=2024-12-17|archive-date=2024-12-20|archive-url=https://web.archive.org/web/20241220035909/https://ecpat.tj/tpost/aetupira01-natsionalnaya-premiya-v-oblasti-elektron|url-status=live}}</ref> {{Portal|Banks}}
==References== {{Reflist|2}}
==External links== * [https://www.alif.tj/ Official Website] {{Banks in Tajikistan}}
{{DEFAULTSORT:Alif Bank}} Category:Banks established in 2014 Category:Banks of Tajikistan Category:Companies based in Dushanbe