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Capital Lusaka -
Urban population 45.2% -
Population 18.9 M -
Median age 17.6 Yr
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Region Eastern Africa -
GDP 21.1 Bn USD -
GDP growth 3.6% -
Official language English -
Currency Zambian kwacha
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E-commerce market revenue 264.7 M USD -
E-commerce growth 17.3%
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Online shopping habits 95% of Zambians above age 15 are regular Mobile Money users.
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People with mobile phone (% age 15+)95%
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People with internet access (% age 15+)56%
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People with bank account (% age 15+)23.8%
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People with credit card (% age 15+)10.6%
- Mobile Money users (12.9 M)
- Total population >15 years
Zambia’s steady economic growth has given rise to multiple opportunities for international merchants seeking to enter emerging markets:
● With only 23% of adult Zambians having a bank account and just 2% using credit cards, mobile money is dominating payments. Approximately 95% of the adult population actively uses mobile money accounts like MTN MoMo and Zamtel, making it the preferred payment method for E-commerce and daily transactions. Other solutions like SPENN are also growing rapidly.
● Zambia’s E-commerce market grew by 26.7% in 2025 and is poised for continued rapid expansion reaching 2.3 billion by 2029.
● Investments in digital and mobile infrastructure have ensured that 95% of adult Zambians have access to a mobile phone. As internet penetration increases, merchants can expect better reach and engagement with online shoppers.
Governmental initiatives support the future growth of an already attractive E-commerce market offering huge potential for international merchants.
