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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...

This study investigates the relationship between macroeconomic indicators and the NonPerforming Loan (NPL) Ratio in Zambia over a two-decade period (2003–2022/23). The research was motivated by the persistent challenge of high NPLs in Zambia’s banking sector, which undermines financial stability,...

This study develops a proactive approach to measuring systemic risk in Zambia’s banking institutions, addressing the inadequacies of existing methodologies that rely on stock market data and focus primarily on the industry as a whole rather than individual institutions. Using a combination of...

Just like other sectors, energy sector in Zambia has faced exchange rates volatility for a long time. Research has shown that Zambian kwacha has been unstable and that it has been depreciating. This study aimed at assessing the effect of foreign exchange rates on the financial performance of...

The implementation of the Treasury Single Account (TSA) in Zambia brought about drastic changes in the management of public funds. The Bank of Zambia assumed custodianship of public funds while Commercial Banks remain revenue collection agents throughout the country. This study investigated the...

Banking sectors play a crucial part in the growth of a country's economy. As a result, the banking sector's stability is critical to an economy's growth. However, commercial banks are faced with external environmental changes that may render negative as well as positive impacts on commercial...

The study investigated the relationship between mobile phone banking and the liquidity of selected branches of the National Savings and Credit Bank (NATSAVE) within the Lusaka District, Zambia. The research employed the embedded mixed research design, engaging NATSAVE employees and customers in...

In the fast-paced telecommunications sector, understanding the relationship between a company's stock price and financial performance is crucial. This study focuses on Airtel Zambia Limited, a company where stock price changes could impact revenue. Despite growing market share, Airtel Zambia...

In a bid to change the principal design of short term consumer credit pricing to address the adverse effects of high interest rates while promoting the positive attributes that continued to drive demand, this concurrent mixed methods study weaves together a multidisciplinary theoretical Interest...