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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

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.
An Investigation of the Impact of Social Media Brand Identity on Student Enrolment Intention in Selected Higher Education Institutions
(International Journal for Multidisciplinary Research (IJFMR), 2026-02-09) Rabby Mukuma; Millan Kuyela; Francis Mukosa
With the rise of Web 2.0 and the proliferation of social media platforms, communication has evolved into a more interactive and collaborative experience, transforming these platforms into key tools for marketing. This study examines the impact of digital institutional brand presence across social media platforms to enhance brand loyalty and foster student enrolment intention in higher learning institutions. Employing a mixed-methods research design, the study utilized interviews for qualitative insights and surveyed 315 students for quantitative analysis. Data were analyzed using SPSS and MAXQDA, with regression analysis applied to test the relationship between brand loyalty and enrolment intention for the quantitative component of the research. Findings indicate a significant positive impact of social media-driven brand loyalty on students’ intention to enrol, highlighting the strategic role of social media marketing in higher education.
THE EFFECTS OF PANDEMICS ON BANKS: A CASE OF ADAPTIVE STRATEGIES TAKEN BY INDO-ZAMBIA BANK TO STAY AFLOAT IN BUSINESS
(ZCAS University, 2025-06-28) Manga Sefulo Kakoma
Economic Effects of Load Shedding on Small and Medium Enterprises in Kalingalinga and Ibex Hill.
(ZCAS University, 2025-02) Vusumuzi Muleya
Background: In Zambia, the phenomenon of load shedding was pervasive and profoundly affected the business landscape, particularly for SMEs in urban and peri-urban areas such as Kalingalinga and Ibex Hill. These areas, which experienced substantial growth in SME activities due to urbanization and economic policies that favored entrepreneurship, were severely impacted by the irregular power supply. The frequented power outages disrupted production, reduced operational hours, and increased the costs of doing business due to the need for alternative power sources (Ackah-Baidoo, 2016). Objectives: The main objective of the research was to analyze the economic effects of load shedding on Small and Medium Enterprises (SMEs) in Kalingalinga and Ibex Hill. This objective was focused on understanding how frequent power outages affect business operations, profitability, and overall sustainability. Methods: A quantitative approach was employed to fully comprehend the economic effect of loadshedding on SMEs. The study sample consisted of 50 SMEs in Ibex and Kalingalinga. The data was collected using a well-structured questionnaire addressing the research questions of the study. The collected data was coded and partially analyzed in SPSS and the regression analysis was done using STATA. Purposive data sampling was adopted to correctly capture SME’s that were within the study’s parameters. Results: The Findings revealed that 62% of SMEs reported significant operational disruptions, with 90% experiencing reduced capacity due to power outages. Increased operational costs (56%) and revenue losses—with 74% of SMEs reporting reduced sales—were key financial consequences. SMEs adopted alternative power solutions, with 43% investing in solar energy and 30% using generators, yet 78% found these strategies only moderately effective. Employment was also affected, as 66% of SMEs had to reduce staff due to operational challenges. Further, the variables used in the SUR model were all significant and reflected the outlined outcome. Recommendation: The study recommends increased adoption of renewable energy, government incentives for SMEs, operational adjustments, financial planning, and workforce adaptation strategies to mitigate the impact of load shedding on small businesses.