Writing On product decisions, AI and fintech in Zambia
I write about the decisions behind useful products, from user workflows and market incentives to financial infrastructure and AI. Zambia is the starting point. New articles appear here first.
2026
- Fintech Why Zambia Needs Open Banking APIs: Unlocking the Next Wave of Economic Activity 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.
- Fintech Zambia Has Launched Its National Public Key Infrastructure. What Does That Mean for Us? What Zambia's national public key infrastructure means for businesses, institutions and software developers building paperless services.
- Engineering Why Most Home Rental Apps Don’t Succeed in Zambia Many property apps built in Zambia work technically, yet few succeed. A software engineer's view on adoption, incentives and existing habits.
2025
- Engineering Why workflows matter in product development Ideas spark products, but workflows shape adoption. How mapping real user workflows decides whether software gets used.
- AI How Zambia Can Use Artificial Intelligence to Unclog Its Courts, Speed Up Trials, and Expand 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.
2024
- Fintech A product review of the LuSE mobile app A hands-on review of the Lusaka Securities Exchange mobile app, and what Zambian investors should expect from financial software.
- Engineering Zambia's ICT Statutory Instrument: Might be Step Back in a World Moving Forward Why Zambia's proposed ICT statutory instrument could hold back innovation, startups and the country's software industry.
2023
- Fintech Could Africa's Solution to a Unified Currency Be Digital? Could mobile money and digital currencies give Africa the unified currency it has long discussed? A short look at the opportunity.
- Engineering The Potential Impact of Zambia's Cyber Security and Cyber Crimes Act on Information Management and Data Regulation What Section 18(1) of Zambia's Cyber Security and Cyber Crimes Act means for data storage, local data centres and tech startups.