Consumer Behaviors in Zambia

  • August 14, 2016

  • Publications, guides and communication materials


InterMedia conducted secondary research analysis of the 2015 FinScope study of Zambian adults.

  1. FinScope Zambia is a nationally representative survey of adults, age 16 and older.
  2. A total of 8,579 adults were surveyed during February-March 2015.
  3. Interviews were conducted face to face, and interviews were approximately 45 minutes long.

The purpose of this assessment is to identify relevant financial behaviors, interests and barriers to financial services access to optimize digital product adoption for private sector partners, including banks, mobile network operators (MNOs) and other financial services providers.

This deck presents consumer-facing findings from FinScope, and focuses on the use of individual products (mobile phones and accounts), and general financial behaviors so as not to contradict the FinScope financial inclusion measurements.

  1. InterMedia examined six main areas of the FinScope study: income sources, fiscal responsibilities, attitudes and usage of accounts, savings and credit behaviors, funding education, and agricultural activities.
  2. The full FinScope survey supports various topics.
  3. InterMediareviewed the initial analysis by FinScope, and also performed its own analysis of the dataset utilizing FinScope’s nationally representative weights to preserve the authenticity of the sample.
  4. InterMedia did not apply its own standard financial inclusion calculation to this study.

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