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The advent of digital technologies has revolutionized the way research is conducted, disseminated, and accessed. Open Access Journals (OAJs) have emerged as a vital channel for disseminating research findings, promoting knowledge sharing, advancing scholarship, and amplifying the visibility of...

Mobile phones have become integral part of people’s lives across the globe. While they have a potential to transform human life and society, they too bring about ethical concerns. In Zambia, there has been political and social debate as to whether it is good for school pupils to use mobile phones...

The rapid expansion of mobile money services has transformed financial transactions across developing economies, providing convenient access to banking for unbanked populations. However, this growth has also introduced significant security vulnerabilities, raising concerns over data privacy,...

This study examines the effect of Digitalization on customer satisfaction. It is a case of Standard Chartered Bank Zambia. With the rapid advancement of technology reshaping the financial landscape, the adoption of digital banking services has become a critical area of interest. In recent years,...

Mobile money services have become increasingly popular in recent years, offering convenient and secure ways for individuals to conduct financial transactions using their mobile phones. The quality of mobile money services plays a crucial role in determining customer satisfaction and ultimately...

Commercial banks' investments in information technology (IT) have helped to streamline operations, boost competitiveness, and expand the number and quality of services offered. The Automated Teller Machine (ATM) is arguably the most ground-breaking electronic innovation in the world. ATMs are the...

In the realm of modern governance, the adoption of technology stands as a pivotal endeavour to streamline operations, enhance service delivery, and promote efficiency. This study delves into the realm of electronic payslips (e-payslips) adoption within the health sector, focusing its lens on the...

The study was conducted to investigate the factors influencing the adoption of e-services by the informal sector under the Extension of Coverage to the Informal Sector (ECIS) under NAPSA. The study adopted the UTAUT framework model from which five variables were examined which are: performance...

This study aimed to determine the maximum likelihood (ML) estimates for the Gamma and Exponential distributions under conditions of left-truncated and right-censored data, employing the Expectation-Maximisation (EM) algorithm. Additionally, it sought to compare the performance of the EM algorithm...

The Study aimed to understand the factors that influence the adoption of mobile money services for business transaction purposes by small and medium enterprises (MSEs) in Lusaka. The aim was divided into three specific objectives. These objectives were to assess the factors that determine the use...