The Republic of Zambia is a landlocked country in Southern Africa. Link to external site : Website for Zambia |  |
| Wallets | |
| Development | Developing |
| Send or Receive |
Send Register/Log In |
| GDP ($m) |
11,363.34 Register/Log In |
| HDI classification | Low |
| Mobile Connections (m) |
6.908 Upgrade to Bronze |
| Currency | ZMK |
| Class | |
| CountryISO | ZM |
| Sovereignity | Country |
| Territory of | - NA - |
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{"type":"PieChart","data":[["Operator","Connections"],["Airtel (Bharti Airtel) - Global",4106362],["MTN",2601025],["Cell Z (Zamtel)",200247]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",52650],["Q4 2001",106779],["Q4 2002",174143],["Q4 2003",318706],["Q4 2004",522948],["Q4 2005",879028],["Q4 2006",1632779],["Q4 2007",2388026],["Q4 2008",3562729],["Q4 2009",4481656],["Q4 2010",5537824],["Q4 2011",6352039],["Q4 2012",7041303],["Q4 2013",7597252],["Q4 2014",8046821]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Agent",1],["Mobile",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Bank",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["MT",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["AT",1],["B2P",1],["BB",1],["BP",1],["DMT",1],["MM",1],["MW",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Cash",1],["Wallet",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| Central Bank | |
| Key Regulations |
Plan to introduce proportionate KYC regs by end 2009 (GSMA AR 2009) National Payment Systems Act of 2007 has provided a platform for businesses involved in mobile banking and money transmission to be designated |
| Type of law |
Hybrid Upgrade to Bronze |
| Legal System |
Mixed legal system of English common law and customary law; judicial review of legislative acts in an ad hoc constitutional council Upgrade to Bronze |
| Law is based on | |
| Approach |
Short leash Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
NB Led Upgrade to Bronze |
| DominantModel |
TP Led Upgrade to Bronze |
| E-Money | |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",42.13],["Banked",15],["Internet",4],["Urban",35],["Adult",54],["Literate",70.6437]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 11.92 |
| Adult % | 54.00 |
| Migrants % |
2.00 Register/Log In |
| Stock Immigrants ('000) |
233.10 Upgrade to Bronze |
| Emigration Rate % | |
| Internal Migrants ('000) | |
| Internal Migration Rate % | |
| Intl Movement Rate % | |
| Urban % | 35.00 |
| Female % | 49.40 |
| Literate % | 70.64 |
| Annual Growth % |
-0.50 Upgrade to Bronze |
| Mobile Penetration % | 42.13 |
| Banked % | 15.00 |
| Access to FS % | 15.00 |
| Internet % | 4.00 |
| Branches per 100k adults | 5.13 |
| ATMs per 100k adults | 4.54 |
| POS per 100k adults | 11.18 |
| Prepaid % | 99.40 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 4.27 |
| Monthly ARPU |
11.79 Upgrade to Bronze |
| Cards 2010 ('000) | |
| Propensity % |
| Overall | |
| Population | |
| On Remittance Sent | |
| On Remittance Received | |
| Mobile Unbanked | |
| Migrant % | |
| MP % | |
| Banked % | |
| Development |
| Can Provide Payments? | |
| Can Market under Brand? | |
| Can issue E-Money? | |
| Can Open Customer Account? | |
| Can Own Customer? | |
| Can do Cash In/Cash Out? | |
| Can offer Domestic Money Transfer? | |
| Can offer International Money Transfer? |
| Importance for Digital Money | |
| Digital Money Adoption |
Prime Candidate Upgrade to Bronze |
| Registered Wallet Users | |
| Top Wallets |
Celpay; Mobile Transactions Upgrade to Bronze |
| Informal Market | |
| Cost To Remit | |
| Key Players |