Zambia Q1 2026 Consumer Pulse Study

How rising incomes and enduring credit barriers are shaping consumer behaviour

As Zambian household incomes show signs of recovery, the decisions consumers make around credit, spending and digital safety are becoming more deliberate — and more consequential for lenders and risk teams.

The Q1 2026 TransUnion® Consumer Pulse Study maps those decisions in detail — helping lenders, FinTechs and telecoms understand where confidence is building, barriers persist and fraud risk remains elevated.

In the report, you’ll learn:

How improving income sentiment is reshaping consumer expectations — and where financial stress still lingers
Why many consumers see credit as essential but remain hesitant or unable to pursue it
The barriers preventing credit applications and what they reveal about trust, affordability and access
How consumers are adapting to payment pressure — and where those strategies fall short
Where fraud continues to erode confidence and what it means for consumer engagement

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Use these findings to help build more inclusive credit strategies, sharpen fraud defences and better serve financially active, digitally engaged consumers in Zambia.

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Zambia Q1 2026 Consumer Pulse Study

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