In Zambia, despite the uptake of mobile money, insurance penetration has been very low. Hence, UNCDF, in partnership with Financial Sector Deepening Zambia (FSDZ), commissioned a study, for which Amarante was contracted, to identify the role of digital financial services for m-insurance in Zambia, the reasons for failure of previous insurance products and the future of m-insurance products.

The detailed report can be accessed here