Where we work

Isaac Holly Ogwal
Country Lead

Kilyelyani Kanjo
Digital Finance Consultant

Mali Kambandu-Nkhoma
Knowledge Management Consultant


UNCDF works in Zambia to promote accessible digital economies focused on how innovation and technology can increase access to critical services for the underserved and vulnerable groups for sustainable and inclusive local development. Key segments include youth, women, MSMEs and refugees.

UNCDF works with public and private sector to meet the Sustainable Development Goals through the creation of a Digital Economy.

UNCDF is implementing the Leaving No One Behind in the Digital Economy 2019 – 2024 Strategy, with the goal to build digital economies that support women, youth, refugees, migrants and MSMEs to enhance their market participation, resulting in poverty reduction, improved livelihoods and economic growth.

Working in sectors such as agriculture, health, energy among others, UNCDF in Zambia takes the approach of Inclusive Market Development, which will address market constraints to accelerate the development of digital economies at the country level with the government, private sector and academia with specific attention placed on the development of the right services to reduce the digital divide and promote sustainable solutions.

The approach is organized into 4 key workstreams:

  1. Enabling Policy: Working with government to develop policies that support and incubate an inclusive digital economy;
  2. Open Payment Ecosystem: Understanding the importance of digital payments as the basis for economically impactful digital services;
  3. Inclusive Innovation: Supporting entrepreneurs and MSMEs to build inclusive services for the digital economy that improve livelihoods;
  4. Empowered Customers: Recognizing the need for users to acquire the necessary skills (digital and financial) to adopt new digital services.

To implement this robust and results-driven strategy, UNCDF has received funding support from Comic Relief and Jersey Overseas Aid and the Swedish International Development Agency (Sida), as well as collaborating with key local entities that can shape and drive the development of an inclusive digital economy.

Programmes in Zambia


supporting and cooperating with banks, mobile network operators and regulators to help them reach unbanked customers

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a diagnostic and programmatic framework to expand financial access for rural individuals, and micro and small businesses

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About Zambia




Adult Population


Adults in Urban


Adults with
Mobile Phone


Registered Users of Digital Financial Services (DFS)


Active DFS Agents per 10,000
of the Adult Population


Our Team

Lusaka, Zambia

Killy Kanjo
DFS Consultant

Brian Katimbo
Data and HCD Consultant

  • Mali Kambandu-Nkhoma
    Knowledge Management Consultant