Efashe Zambia: Powering Digital Convenience Across the Nation

Efashe Investments Limited delivers digital payment and service solutions in Zambia through an integrated network of agents supported by its own technology platforms. The company provides solutions that make everyday transactions simple, reliable, and widely accessible. Efashe Investments Ltd is part of the Efashe Group, which has successfully reshaped digital payments in Rwanda through Future Dynamic Innovations (FDI) Ltd for more than a decade. FDI's operations span four key segments: digital aggregation services, merchant payment aggregation, shared agency banking, and value-added services like SMS and USSD aggregation, forming the foundation for Efashe's expansion into Zambia.

In Zambia, Efashe Investments already offers airtime top-ups to MTN, Airtel, and Zamtel users, accessible nationwide through its growing network of agents and via the dedicated USSD code *662*2#. The company has also introduced bulk SMS services that enable organizations to send alerts, notifications, and marketing messages at scale, as well as USSD aggregation solutions that allow businesses to connect directly with their customers in a simple and cost-effective way. These services provide both individuals and organizations with simple, secure, and reliable ways to communicate, transact and they are powered by a robust digital infrastructure that includes APIs for banks and enterprises, web portals, mobile apps, ensuring transactions can be completed conveniently and securely across different channels.

Building on its current offerings, Efashe Zambia is in the process of expanding its portfolio to include additional value-added services such as prepaid electricity, TV subscription renewals, water bill payments, tax payments, alongside merchant payment aggregation, which allows businesses such as pharmacies, hotels, restaurants, and shops to receive payments from MTN, Airtel, or Zamtel users via a unified USSD code, with collected funds automatically transferred to the merchant's designated bank account at agreed-upon times.

The company is also introducing shared agency banking solutions, enabling a single agent to perform cash-in and cash-out transactions for MTN, Airtel, and multiple banks, making a wide range of financial services accessible in one location. These services are delivered through both the agent network and self-service platforms, allowing customers and businesses to complete transactions efficiently from their homes, offices, or while on the move, without visiting service providers physically.

The company's strength lies not only in its technology but also in its people. Efashe Zambia brings together a team that values innovation, collaboration and practical problem solving, principles that have guided the Group's success across Africa. By combining advanced platforms with a team driven approach, the company is positioned to provide services that respond to current needs and evolve with future demands, empowering individuals, businesses and communities to engage confidently with essential digital and financial services.