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According to The Centre for Financial Regulation and Inclusion (CENFRI), a massive 98% of Zambian adults pay with cash. The Bank of Zambia aims to counter this overreliance on paper money by creating a task force to increase access to and usage of electronic payment methods.

Despite being an early adopter of mobile money in Africa, Zambia’s efforts were initially unsuccessful and may have slowed adoption in the long run. Nevertheless, its high levels of mobile penetration, young population, and appetite for financial inclusion make Zambia a market to watch.

Aside from cash, the payment patterns in Zambia are familiar when compared with other African nations. Mobile money adoption is relatively high, while card usage is low but increasing.



Zambian kwacha

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