The Bank of Zambia Financial Stability Report for 2026 has revealed that digital credit disbursement grew in the fourth quarter of 2025 following heightened promotional interventions for loans issued through most mobile money service providers. The report, seen by the Zambian Business Times-ZBT, indicates that the average disbursed amount remained steady just below K250 and while household access to digital loans has relatively grown over the period, non-performing digital credit has grown and remained at 18.8% of their digital loan books. Further, the report attributes the increase in Non-Performing Loans (NPLs) largely to system challenges at some institutions, which disrupted...
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