This 2012 study analysed the demand, supply and regulatory framework for retail payment services in Zambia, how they can play a transformative financial inclusion role, and the market and regulatory challenges to be overcome for that potential to be realised.

The report is part of a series of studies that also covers Malawi, Mozambique and Zimbabwe. In addition to the individual country report, the findings fed into a regional synthesis report that identified cross-cutting trends, provided a brief global comparison, and concluded on implications for regional financial integration.