This case study is one of a number of products undertaken by Development Works Changemakers (DWC) for Digital Frontiers Institute, as part of its monitoring and measurement of results (MMR) process for 2019. Development Works Changemakers has conducted evaluative research of Digital Frontiers Institute’s impact in two phases in 2019. The first phase explored the impact of Digital Frontiers Institute on a wide range of Digital Financial Services (DFS) practitioners in Sub-Saharan Africa (SSA), specifically looking at Digital Frontiers Institute’s progress indicators. In the second phase, five case studies have been produced, two of countries, and three of institutions involved in DFS in Africa. The two country case studies are of Zambia and Uganda, while Bank of Kigali, MTN, and Accion were selected for institution case studies.
The key question informing the two-country case studies is: “Over the last four years (2016-2019), how has the DFS landscape evolved in the country, and what has Digital Frontiers Institute’s role been in this development, through its impact on practitioners and the institutions they serve?” This question has been explored through three data collection strategies:
- A high-level review of key literature and statistics on DFS in each country;
- An analysis of Digital Frontiers Institute’s data on its activities in each country since 2016;
- Key informant interviews with up to seven practitioners in important sectors in DFS in each country, including the private sector, regulators and the development sector.
- Where appropriate, insights from relevant interviews from the first phase of the MMR process were also included.
This case study provides an overview of DFS landscape in Zambia and how it has evolved over the last four years.