Country Facts
  • Capital Lusaka
  • Urban population 45.2%
  • Population 18.9 M
  • Median age 17.6 Yr
  • Region Eastern Africa
  • GDP 21.1 Bn USD
  • GDP growth 3.6%
  • Official language English
  • Currency Zambian kwacha
E-Commerce Facts
  • E-commerce market revenue 264.7 M USD
  • E-commerce growth 17.3%
  • Online shopping habits 95% of Zambians above age 15 are regular Mobile Money users.
  • People with mobile phone (% age 15+)
    95%
  • People with internet access (% age 15+)
    56%
  • People with bank account (% age 15+)
    23.8%
  • People with credit card (% age 15+)
    10.6%
  • Mobile Money users (12.9 M)
  • Total population >15 years
Growth Opportunities

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.