Drift

The decision to move from manual follow up to an automated collection system depends on a mix of volume, customer segments, and the type of engagement the lender wants to maintain.

Zambia’s loan underwriting methods can’t keep pace with the country’s financial needs. This article explores how AI is being applied to underwriting and collections in Zambia, the limitations it seeks to solve, and the opportunities it presents for building a better financial system.

You can have risk scores, CRB access, and a nice-looking app that sends automated reminders, yet still find yourself chasing borrowers who vanish after disbursement. That gap between disbursement and human engagement is where most repayments die. It’s time to stop blaming borrowers and start fixing how we follow up.