Ng'andu Fad Sikazwe: writingArticles on product decisions, applied AI, fintech and software engineering in Zambia.https://ngandusikazwe.com/enWhy Zambia Needs Open Banking APIs: Unlocking the Next Wave of Economic Activityhttps://ngandusikazwe.com/writing/why-zambia-needs-open-banking-apis/https://ngandusikazwe.com/writing/why-zambia-needs-open-banking-apis/Why open banking APIs could unlock new businesses, SME credit and competition in Zambia, and who needs to be at the table to make it happen.Sat, 17 Oct 2026 00:00:00 GMTFintechZambia Has Launched Its National Public Key Infrastructure. What Does That Mean for Us?https://ngandusikazwe.com/writing/zambia-national-public-key-infrastructure/https://ngandusikazwe.com/writing/zambia-national-public-key-infrastructure/What Zambia's national public key infrastructure means for businesses, institutions and software developers building paperless services.Wed, 30 Sep 2026 00:00:00 GMTFintechWhy Most Home Rental Apps Don’t Succeed in Zambiahttps://ngandusikazwe.com/writing/why-home-rental-apps-fail-in-zambia/https://ngandusikazwe.com/writing/why-home-rental-apps-fail-in-zambia/Many property apps built in Zambia work technically, yet few succeed. A software engineer's view on adoption, incentives and existing habits.Mon, 10 Aug 2026 00:00:00 GMTEngineeringWhy workflows matter in product developmenthttps://ngandusikazwe.com/writing/why-workflows-matter-in-product-development/https://ngandusikazwe.com/writing/why-workflows-matter-in-product-development/Ideas spark products, but workflows shape adoption. How mapping real user workflows decides whether software gets used.Tue, 02 Sep 2025 00:00:00 GMTEngineeringHow Zambia Can Use Artificial Intelligence to Unclog Its Courts, Speed Up Trials, and Expand Access to Justicehttps://ngandusikazwe.com/writing/ai-zambia-courts-access-to-justice/https://ngandusikazwe.com/writing/ai-zambia-courts-access-to-justice/How AI tools with human oversight could help Zambia's courts triage cases, schedule hearings and widen access to justice in local languages.Wed, 11 Jun 2025 00:00:00 GMTAIA product review of the LuSE mobile apphttps://ngandusikazwe.com/writing/luse-mobile-app-review/https://ngandusikazwe.com/writing/luse-mobile-app-review/A hands-on review of the Lusaka Securities Exchange mobile app, and what Zambian investors should expect from financial software.Tue, 15 Oct 2024 00:00:00 GMTFintechZambia's ICT Statutory Instrument: Might be Step Back in a World Moving Forwardhttps://ngandusikazwe.com/writing/zambia-ict-statutory-instrument/https://ngandusikazwe.com/writing/zambia-ict-statutory-instrument/Why Zambia's proposed ICT statutory instrument could hold back innovation, startups and the country's software industry.Thu, 06 Jun 2024 00:00:00 GMTEngineeringCould Africa's Solution to a Unified Currency Be Digital?https://ngandusikazwe.com/writing/africa-unified-digital-currency/https://ngandusikazwe.com/writing/africa-unified-digital-currency/Could mobile money and digital currencies give Africa the unified currency it has long discussed? A short look at the opportunity.Sun, 03 Dec 2023 00:00:00 GMTFintechThe Potential Impact of Zambia's Cyber Security and Cyber Crimes Act on Information Management and Data Regulationhttps://ngandusikazwe.com/writing/zambia-cyber-security-and-cyber-crimes-act/https://ngandusikazwe.com/writing/zambia-cyber-security-and-cyber-crimes-act/What Section 18(1) of Zambia's Cyber Security and Cyber Crimes Act means for data storage, local data centres and tech startups.Wed, 08 Nov 2023 00:00:00 GMTEngineering