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The state of rural roads in Zambia is very poor and in a deplorable condition. Drainages are missing, or where they exist, they are narrow, inadequate and not constructed correctly. Bridges are missing, old, inadequate or wrongly constructed and usually very poorly maintained. In most roads, the...

Advancements in mobile technologies have led to an increased uptake of smart phones globally and users are tethered to their mobile devices to an extent unmatched by any other technology in the past. This has led to a growing trend in mobile payment (m-payment) activities. However, Zambia’s...