Over the years, Zambia has made significant ground when it comes to financial inclusion. According to the World Bank, levels of formal financial inclusion gradually increased from 23% of Zambian adults in 2009 to 38% in 2015.

Over the years, Zambia has made significant ground when it comes to financial inclusion. According to the World Bank, levels of formal financial inclusion gradually increased from 23% of Zambian adults in 2009 to 38% in 2015.