The 2017 State of the Digital Financial Services Market in Zambia provides key insights into the state of the Zambian DFS market, drawing on data collected through the 2018 UNCDF-MM4P Annual Provider Survey (APS), and complemented by data from other sources such as GSMA and the Agent Network Accelerator Survey conducted by The Helix Institute of Digital Finance.

For the second consecutive year, the UNCDF-MM4P APS was launched to provide industry participants and observers with a more comprehensive picture of the state of the DFS market, regarding customer adoption, usage and trends of DFS in Zambia. On an individual basis, the APS will also give DFS providers insights into the performance of their products and services relative to the market.

The survey was developed by the UNCDF-MM4P team and administered to providers that offer digital financial solutions, including mobile money operators, banks and third-party operators in Zambia. The survey included both quantitative and qualitative questions.