Identity verification in Zambia
Zambia is a landlocked Southern African nation of roughly 20 million people with an economy driven by copper mining, agriculture, and an increasingly vibrant mobile-money and fintech ecosystem. For any bank, mobile-money operator, fintech, betting company, or designated non-financial business onboarding customers in Zambia, KYC is anchored to a layered statutory framework — the Prohibition and Pre
Documents supported
(Government IDs from 220+ countries)
Average verification time
Countries covered
(Government-issued IDs validated)
Market overview
Zambia has a population of approximately 20 million, a GDP per capita that places it among lower-middle-income economies, and a financial-services landscape defined by four structural facts: 1. Mobile money dominates retail payments. Airtel Money and MTN MoMo are the two largest mobile-money platforms, regulated under the Bank of Zambia's National Payment Systems Directives on Electronic Money Issuance (2015, updated 2018). Between 2020 and 2025, Zambia approximately doubled its mobile-money agent network. Every mobile-money agent registration and every customer onboarding requires KYC. 2. Fintech is growing fast. A 2023 UNCDF study counted 57 fintech companies operating locally — more than double the 25 recorded in 2018. The Bank of Zambia and the Securities and Exchange Commission both o
Supported documents
Didit templates cover national IDs, passports, residence permits and regional documents — plus 14,000+ documents globally for cross-border flows.
Regulators
AML supervisor
Ministry of Home Affairs
regulated
Manages NRC (National Registration Card). Integrated National Registration Information System (INRIS) being developed. Smart NRC with biometrics in rollout.
Smart Zambia Institute
regulated
Digital government platform. Working toward integrated digital identity verification.
Government & regulated databases
Compliance framework
AML framework
Supervised by Financial Intelligence Centre Act
Zambia's AML/CFT architecture is built on two primary statutes, a suite of subsidiary regulations, and a set of sector-specific directives.
Data protection
Supervised by National DPA
Zambia's data protection regime is governed by the Data Protection Act No. 3 of 2021 and the Electronic Communications and Transactions Act No. 4 of 2021, supervised by the Office of the Data Protection Commissioner and the Zambia Information and Communications Technology Authority (ZICTA).
Penalties for non-compliance
- Recommendation 7 (targeted financial sanctions — proliferation): initially rated Non-Compliant, re-rated to Partially Compliant.
Use cases
Neobanks, EMIs, payment institutions, lenders, brokerages.
Banks and non-bank financial institutions supervised by BoZ operate under the PPMLA, the FIC Act, and the BoZ Anti-Money Laundering Directives (2004). A standard onboarding flow:
Exchanges, custodians, wallets, on/off-ramps.
Mobile-money operators (Airtel Money, MTN MoMo) and fintechs offering payment, e-money, or money-transfer services are regulated by the BoZ under the National Payment Systems Act No. 1 of 2007 and the following directives:
Sports betting, online casinos, age-gated platforms.
Gambling in Zambia is regulated by the Betting Control and Licensing Board under the Betting Control Act (Chapter 166, as amended by Act No. 50 of 2021), the Lotteries Act (Chapter 163), and the Tourism and Hospitality Act No. 13 of 2015.
Gig platforms, delivery, creator economy, e-commerce.
Zambia's approach to crypto assets has evolved through three distinct phases:
Biometric liveness
Zambia does not operate a national certification scheme for biometric liveness vendors. The BoZ directives for non-face-to-face onboarding require due diligence to be "no less effective" than in-person verification, which in practice means: - Document authenticity checking — MRZ validation, security-feature detection, and, where the document supports it, chip reading. - Biometric face match — a liveness-verified selfie matched to the document photo to confirm the person presenting the document i
CERTIFICATIONS
Our platform meets the highest international standards for information security, data privacy, and biometric accuracy.
Full EU data protection compliance
Information security management
PAD (liveness + face match)
TRUSTED WORLDWIDE
Join thousands of companies that trust Didit for their verification needs
Didit’s NFC + active biometrics technology blocks the most advanced fraud scenarios, offering a level of security equivalent to or superior to in-person verification.
Spanish Financial Sandbox
CNMV, SEPBLAC & Spanish Treasury — Conclusions Report
Didit is an exceptionally valuable partner, delivering a stable and highly adaptable solution”.
Vuk Adžić
Head of the E-Business Department at Crnogorski Telekom
Didit offered us a robust technology with a simple implementation and adaptability to different markets”.
Fernando Pinto
CEO & CoFounder at TucanPay
Thanks to Didit we have been able to reduce manual processes and improve data extraction accuracy”.
Diana Garcia
Trust & Safety Executive at Shiply
Didit’s integration slashed verification times and costs, freeing resources for other projects”.
Guillem Medina
COO at GBTC Finance
Didit removed KYC costs, enabling faster scaling with high verification standards and less fraud.”
Paul Martin
VP Marketing & Growth at Bondex
Didit’s secure, user-friendly verification boosts customer trust and optimizes our process.”
Cristofer Montenegro
Executive assistant to the CEO at Adelantos
Didit ensures a precise, secure digital onboarding without slowing negotiations or client time.”
Ernesto Betancourth
Gerente de riesgos at CrediDemo
FAQ
Yes. Zambia permits remote KYC onboarding under its national AML framework, including document verification, biometric liveness and video identification where required by regulation.
Didit verifies all major national IDs, passports and residence permits issued in Zambia, plus 14,000+ document types globally for cross-border flows.
Didit charges $0.30 per verification with 500 free checks per month. No contracts, no minimums. Competitors typically charge $1.00–$2.50+ per verification.
Yes. Didit screens against 1,000+ global watchlists including PEP databases, sanctions lists (EU, UN, OFAC, OFSI), and adverse media — covering all AML obligations in Zambia.
Most regulated sectors in Zambia require or strongly recommend biometric liveness detection for remote onboarding. Didit provides ISO 30107-3 PAD Level 2 certified liveness.
Yes. Didit supports document verification, liveness, AML screening and ongoing monitoring aligned with Zambia’s crypto regulatory framework, including EU Travel Rule compliance where applicable.
Yes. Didit provides document-based age verification and identity confirmation suitable for Zambia’s iGaming regulatory requirements.
500 free verifications per month. No contracts, no minimums. $0.30 per verification after the free tier.
