United Nations
Information Centre | Nepal
Digital Financial Services In Zambia 2014- Briefing Note 1
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Digital financial services (DFS) came early to Zambia, with the payment service provider
Celpay launching in 2002 and Zoona in 2009. Only much later were DFS launched by mobile
network operators (MNOs) Airtel in 2011 and MTN in late 2012. Despite an early start, the promise of DFS have not thrived in Zambia. Celpay ceased operations in 2013, due to fraud and mismanagement that led to the loss of its operating license. However, Airtel and MTN client registrations have surged to close to three million registered clients collectively and Zoona has had steady growth of over the counter money transfer services. The market potential for Zambia is considered high, with low levels of financial inclusion, relatively high levels of mobile penetration and a promising urban and rural population distribution. The relatively small and irregular income streams in rural areas are due to a dependence on small-scale farming and will require products that are flexible. The main competition to DFS for the unbanked segment is cash, so DFS providers will need to recognize that in their services and delivery methods.
Publisher:
MM4P/UNCDF ,   (2014 )
Type / Script:
Bulletin or Poster in English
Keywords:
FINANCE, FINANCIAL SERVICES, FINANCIAL ASPECTS, FINANCIAL INSTITUTIONS, BANKING INSURANCE, AGENT BANKING, CREDIT, FINANCIAL RESOURCES, , COMPANIES, INVESTMENTS, BUSINESS, STAKEHOLDERS
Thematic Group:
 UNCDF : Capital Development
Thesaurus:
02.11.00  -  Banking And Investment
Reference Link:
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