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The ZCAS/ZCAS University Institutional Repository is a platform that collects, preserves, and provides open access to the intellectual output of ZCAS Professional and ZCAS University.

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ZCAS/ZCAS University Institutional Repository

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School of Business
This school incorporates all the best business aspects that ZCAS University has to offer.
School of Computing, Technology and Applied Sciences
This Collection incorporates all Research works, Thesis and Dissertations under the School of Information Communication Technologies
School of Law
This Collection incorporates all Research works, Thesis and Dissertations under the School of Law
School of Social Sciences
This Collection incorporates all Research works, Thesis and Dissertations under the School of Humanities and Social Sciences
ZCAS Professional
This Collection incorporates all Research works, Thesis and Dissertations under ZCAS Professional

Recent Submissions

Risk Assessment in Peer-to-Peer Lending Platforms: The Case of Lusaka, Zambia
(ZCAS University, 2026-03) Lombe Musonda
The rapid expansion of digital financial technologies has transformed credit access through Peer-to-Peer (P2P) lending platforms, which directly connect borrowers and investors. In Zambia, where 30.6% of adults remain financially excluded, platforms such as PremierCredit and Lupiya are expanding credit access for MSMEs and informal workers; however, this growth is associated with rising credit risk, operational challenges, information asymmetry, and regulatory uncertainty. This study addresses the lack of empirical evidence on risk assessment practices, credit scoring effectiveness, regulatory pressures, and investor protection in Lusaka’s P2P lending sector, and examines concerns surrounding AI-driven credit scoring models, particularly their limited transparency and contextual relevance. Using an explanatory sequential mixed-methods design, data were collected from 102 respondents and supplemented with 20 semi-structured interviews and three focus group discussions; quantitative analysis was conducted using SPSS, while qualitative insights were analysed thematically. Findings show that credit risk is the most significant concern (composite mean M = 3.957), driven by limited credit bureau coverage (M = 4.22) and the informal economy (M = 3.92); current risk assessment practices were rated below the scale midpoint (M = 2.943), with context-sensitive approaches scoring particularly low (M = 2.48); regulatory ambiguity (M = 3.75) was identified as a major barrier to platform scalability; and investor protection was perceived as inadequate, with borrowers reporting lower protection levels (M = 2.560) compared to investors (M = 3.297) and platform operators (M = 3.054), with statistically significant differences (F(2, 99) = 19.549, p < 0.001). Regression analysis revealed that credit risk assessment (β = 0.583) and methodological rigour (β = 0.446) significantly predict investor protection outcomes, explaining 76.8% of variance (R² = 0.768, F(3, 98) = 108.42, p < 0.001). The study concludes that stronger, context-specific risk assessment is essential and recommends regulatory harmonisation, expanded credit bureau coverage, improved disclosure standards, and locally adapted credit scoring models.
An Analytical Review of the Effects of Business Re-engineering Implementation Processes on Firm Performance: A Case of TAMAZA Pipeline Limited
(ZCAS University, 2023) Peggy kaponda Banda
Key Findings - IT improvements: Information technology significantly enhanced internal communication within the organization. - Capacity building gaps: Training initiatives were insufficient, failing to reach all staff members. - Positive impact of BRP: Implementation of BRP improved work processes through technology use. - Change management challenges: Resistance to change and limited stakeholder engagement were major obstacles during BRP implementation. Recommendations - Enhance work processes: TPL should continue leveraging modern technology and involve all stakeholders. - Lean structure: The organisation should streamline its structure for efficiency. - Continuous training: Regular capacity-building activities—like workshops and brainstorming sessions—should be conducted to strengthen staff engagement and adaptability. In essence, the study emphasizes that while technology and BRP have improved operations, success depends on inclusive training and proactive stakeholder involvement.
Assessing the Impact of Load Shedding and Coping Strategies on Business Operations of Small Scale Enterprises: Masala Market in Ndola, Zambia
(ZCAS University, 2023) Humphrey Chisha Lumbi Mutambo
Key Findings - The most common coping strategies among small-scale enterprises include: - Adjusting working hours to avoid peak load-shedding times. - Employing part-time labour. - Temporarily relocating operations to areas unaffected by power cuts. Effectiveness of Strategies - The study found that most of these strategies were not very effective. - Prolonged and frequent load shedding significantly disrupts business operations, especially for small-scale enterprises. Recommendations - Forming partnerships with businesses that have a reliable power supply can help sustain operations. - Sharing resources during outages can reduce losses and maintain continuity. - Enterprises are encouraged to invest in energy-efficient or hybrid equipment compatible with both electricity and solar power. Contribution - The research contributes to theory, policy, and practice by highlighting the need for sustainable energy solutions for small businesses in Zambia.
Determinants of a Central Bank Digital Currency as a Payment System Platform: A Case of Zambia
(ZCAS University, 2022-08) Kombe Kaponda
The study investigates how a CBDC payment system could enhance Zambia’s financial system efficiency and strengthen national defense against money laundering (AML) and counter‑terrorism financing (CFT). Methodology: Uses time‑series monthly data over eleven years. Applies unit root tests, cointegration tests, and ordinary least squares (OLS) regression to ensure statistical validity. Findings: CBDC adoption shows a significant relationship with payment system efficiency, AML/CFT defense, and equitable access to financial services. The high cost of currency processing is inversely related to CBDC adoption and found to be insignificant, likely due to the phased introduction alongside fiat currency. Model Insights: Demonstrates flexibility and applicability to other developing economies. Highlights motivations such as monetary sovereignty, policy transmission enhancement, and financial inclusion. In essence, the thesis concludes that a well‑implemented CBDC could contribute meaningfully to Zambia’s financial stability and inclusion goals while supporting broader economic resilience.
An Integration of Service Compliance System for Cloud Providers
(ZCAS University, 2025-06-30) Franklin Doroba
A major barrier to the mainstream adoption of cloud computing in the workplace is security, specifically security compliance. Cloud providers are required to adhere to certain security compliance standards for several reasons, including trust, legislative restrictions, and commercial needs. To date, security professionals have created this compliance or auditing data by hand. This approach necessitates manual data collection and processing, which is costly and time-consuming. To verify and evaluate the level of compliance of various cloud providers, an automated compliance tool is necessary. Such technology can eventually save time and money by reducing the requirement for human participation through automatic compliance confirmation. Cloud providers will be able to exchange security compliance data in a standard manner with this method. Because of the shared architecture, customers can compare various cloud service providers based on their security needs. These goals guided the design of our architecture, which aims to provide an automated security compliance solution for cloud computing platforms. Four distinct approaches could be used to achieve this automation. For data retrieval from cloud systems, there are four different design patterns: vulnerability scanning, log analysis, API, and human entry. Finally, we developed a proof-of-concept prototype of this automated security compliance system using the Grafana monitoring tool. The results of this prototype implementation are shared with cloud users and linked to the OpenStack cloud platform, based on the Cloud Audit API architecture developed by the Cloud Security Alliance.