About mBenki

Financial Services, Delivered by People Customers Already Trust.

mBenki builds and runs a verified network of community agents in Zambia, and the platform that lets financial institutions sell through it and learn from it.

What We Do

Three Things, One Network

Distribution

Verified agents sell financial products where customers live, and leads reach institutions qualified. For institutions →

Intelligence

Every conversation becomes structured data, so institutions and partners see demand, refusals and reasons. Customer inquiry management →

Trust

Every agent carries a public digital ID that any customer can verify in seconds. Agent verification →

Who We Are

One Company, Two Countries

mBenki is built by entrepreneurs in Zambia and the United States: an operating company in Lusaka, and a technology and capital partner in Delaware.

mBenki Solutions ZambiaThe operating company, founded by Zambian entrepreneurs. Registered in Zambia, run from Lusaka.
mBenki, Inc.The US parent, founded by American entrepreneurs in Delaware. Provides technology, capital and partnerships.
The NetworkSmart Agents recruited, trained and verified in the communities they serve.
The PlatformmBenki Nexus: Lead Manager, mBenki Pro, mBenki Go and the Agency Ops Manager.

Our Strategic Partner

The Mobile Money Business Association of Zambia

mBenki works in strategic partnership with the Mobile Money Business Association of Zambia (MMoBA), the body that represents the country's mobile money agents.

MMoBA is registered under the Societies Act, Cap 119 of the Laws of Zambia. Its members are the agents who already serve customers in every district — the same people who become mBenki Smart Agents. The partnership means the network is built with the agents' own association, to the standards regulators and the industry are setting, and it gives providers a single, recognised counterpart for reaching the agent community.

Representation

The recognised voice of Zambia's mobile money agents to operators, regulators and government.

Standards Setting

A member of the ZICTA and Bank of Zambia-led Consumer Safety & Security Technical Working Group, where agent standards are shaped.

Industry Bodies

Works with the Payments Association of Zambia (PAYZ) and other sector bodies on agent standards and conduct.

Reach

Members across the country, giving mBenki a recruitment base in communities that new entrants cannot reach alone.

Regulatory & Ecosystem Standing

Certified, Represented, and at the Table

Agent distribution only works if the regulators, the operators and the agents themselves recognise it. mBenki and the association it is built with are formally certified and actively involved in the bodies setting Zambia’s digital financial services standards.

Data ProtectionmBenki Solutions Zambia Ltd. is certified as a Data Processor and Data Controller by the Data Protection Commission.
Standards SettingThe association is a member of the Consumer Safety & Security Technical Working Group, led by ZICTA and the Bank of Zambia.
National Agent TrainingThe association collaborates with ZICTA, the Bank of Zambia, the Drug Enforcement Commission, the Financial Intelligence Centre and other key actors to train agents nationally.

Participation in Key DFS Ecosystem Activities

Oversight Framework

Technical input into the development of the Collaborative Framework for Oversight of Digital Financial Services in Zambia.

Agent Training Manual

Contributing to the development of the standardised national agent training manual.

Code of Conduct

Contributing to the development of the Zambia DFS Code of Conduct.

The Grow Zambia Agenda

Our Place in the Grow Zambia Agenda

The President's five-year agenda, set out in September 2026, moves Zambia from stabilisation to growth: jobs and business opportunities, capital for entrepreneurs, markets for farmers, opportunities for women and young people, and development in every province and district. mBenki's work sits deliberately inside that agenda.

10m t maize
10,000 MW electricity
5m tourists
3m t copper
3m t soya
1m t wheat
1m t sugar
US$1bn beef exports

Capital for Entrepreneurs

Smart Agents connect traders, farmers and small businesses to financial institutions at the market, the shop and the farm gate, where a branch never reaches them.

Markets and Finance for Farmers

The maize, soya, wheat and sugar targets begin with inputs, savings and credit in the farming districts. Agents give institutions a presence there every season.

Opportunities for Women and Young People

Joining is free, with no float and no shop required. Training, certification and a verified ID turn a phone and a network into income.

No District Left Out

Decentralised growth needs distribution that already lives in the district. Where the grid does not reach, Off-Grid Access brings power, connectivity and services.

Production, not handouts: an agent earns when a customer is served, an institution pays for an outcome, and the data shows where demand is still being turned away. Sector by sector →

The Team

The People Behind the Network

Pamfred Hasweeka

CEO, mBenki Solutions Zambia Ltd.

Chris Sinchende

COO, mBenki Solutions Zambia Ltd.

David Rice

Cofounder and CEO, mBenki, Inc.

Javier Cerdas

Cofounder and Chief Technology Officer, mBenki, Inc.

Cliff Rotenberg

Cofounder, Strategy Advisor, mBenki, Inc.

Dr. Terence McNamee

Cofounder, Public Affairs Advisor, mBenki, Inc.

Our Partners

Institutions Distributing Through the Network

We do not publish the names of the institutions we work with. References are available on request.

Microfinance Institutions

Loans for individuals and small businesses, offered through agents in the communities they serve.

Salary-Backed Lenders

Salary-backed loans, with eligibility checked on the spot and applications arriving complete.

Agent Float Lenders

Float finance for mobile money agents, offered through the agent network itself.

Fintechs and E-Wallets

Customer pre-onboarding for digital wallets, and wallets powering agents’ own transactions.

Where We Come from

Built from the Field Up

Agents First

mBenki began by recruiting and training agents before it built software. The platform was shaped by what agents and customers actually do.

Trust as Infrastructure

Public agent verification was built before the network had scale, because trust — not technology — is the binding constraint on agent banking in Zambia. Every agent carries an ID that any customer can check in seconds, so nobody has to take a stranger's word for it.

Beyond Finance

The same network now supports off-grid connectivity and field data collection along Zambia's growth corridors. Off-Grid Access →

Work with Us

Talk to the Team

Institutions, partners and researchers: a 30-minute conversation is the fastest way to see whether the network fits your need.

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