Zohodesk

The Federal Competition and Consumer Protection Act, 2018, usually called the FCCPA, sits at the core of consumer protection and competition regulation in Nigeria.

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.