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The rapid expansion of digital financial technologies has transformed credit access through Peer-to-Peer (P2P) lending platforms, which directly connect borrowers and investors. In Zambia, where 30.6% of adults remain financially excluded, platforms such as PremierCredit and Lupiya are expanding...

The effectiveness of monetary policy in Zambia is undermined by foreign exchange (FX) market inefficiencies, including lack of transparency, fragmented monitoring mechanisms, and limited regulatory enforcement. These shortcomings contribute to inflation volatility and weaken the capacity of the...