Vol. 2 No. 1 (2026): Sustainability via FinTech in the Post-COVID-19 Pandemic Era

Volume 2, Issue 1 (2026) examines the intersection of financial technology, inclusion, and sustainable development in the aftermath of the COVID-19 pandemic. The issue brings together empirical studies that highlight how digital financial systems, microfinance, and financial literacy are reshaping economic behavior and resilience in Zambia. Contributions include analyses of e-payment adoption and user perspectives, the socioeconomic impact of microfinance on women’s livelihoods in Kitwe, and the role of financial literacy in shaping investment decisions among government teachers. Together, these studies provide evidence on how financial innovation and human capital development contribute to adaptive and inclusive economic systems.

The issue further expands its scope by examining structural and enterprise-level drivers of sustainability. It includes evidence on the determinants of financial inclusion among SMEs in the Sub-Saharan context, with a focus on Kitwe, as well as an assessment of business challenges affecting the sustainability of start-ups in Lusaka District. Collectively, the articles offer policy-relevant insights into how FinTech, inclusive finance, and entrepreneurial ecosystems can support resilient and sustainable development pathways in emerging economies.