FinGen - Money Genius Group

OFFICIAL STATEMENT

On Digital Payments Growth, Economic Recovery and the Role of Structured Digital Infrastructure

FINGEN Money Genius Group welcomes the remarks by the President of the Republic of Zambia, His Excellency Mr. Hakainde Hichilema on the remarkable growth of the country’s digital payments ecosystem and the transition of the economy from stabilisation toward sustained growth.

The increase in digital transaction values from K22 billion in 2018 to over K452 billion by the end of 2023, with 2024 transactions accounting for more than 70 percent of GDP, signals a structural shift in how economic activity is conducted. The expansion of mobile money registrations from 3.1 million to 15 million further demonstrates broad-based adoption and digital participation across the country.

These developments reflect deliberate reforms, improved infrastructure, regulatory adjustments, and policy consistency. The President’s observation that the economy has moved from intensive care toward growth — and now toward more growth — underscores that digital transformation is no longer peripheral to development; it is central to it.

However, the next phase, as correctly emphasised, is not merely about processing transactions. It is about leveraging digital systems to mobilise resources, finance development, strengthen productivity, and support inclusive economic participation.
This is precisely where structured digital infrastructure becomes critical.

At FINGEN, the continued development of the FINGEN App — including the ongoing build of the AI Registration Agent — is aligned with this national trajectory. Digital transactions alone create activity. Structured digital systems create visibility, data integrity, behavioural intelligence, and financial credibility.

The AI-enabled registration framework is designed to strengthen onboarding, profile economic actors accurately, build digital identities, and support responsible financial participation, particularly for MSMEs, smallholder farmers, women, and youth.

As Zambia advances from stabilisation to growth, and from growth to accelerated expansion, digital platforms must evolve from payment channels to economic intelligence systems. When transactions are structured, profiled, and analysed responsibly, they become tools for credit access, policy planning, risk management, and private sector financing. The national progress in digital payments provides the foundation. The next phase requires systems that convert digital activity into structured economic empowerment.

FINGEN remains committed to supporting this transition by building practical, technology-driven infrastructure that strengthens financial inclusion, supports enterprise growth, and contributes to the broader objective of sustained economic expansion.

Economic recovery requires reform.
Growth requires participation.
Sustained growth requires structured digital systems.

Good Evening All. Work continues! Work after work after work and work and work again....!

As the nation looks forward to the President’s Hakainde Hichilema address to Parliament, expectations are naturally high. Policy, reforms, programmes, figures — all important, all necessary.

But on a lighter note, for some of us there is really just one line we are quietly listening for:

“We are doubling the economy.”

If we hear that, we know the direction remains clear — and the work continues.

Sometimes one sentence is enough to remind a nation where it is going. We don't know your own, share yours here

OFFICIAL STATEMENT
On the Launch of the Financial Inclusion for Resilience and Innovation Project

FINGEN Money Genius Group notes with appreciation the official launch of the Financial Inclusion for Resilience and Innovation Project as reported by the national broadcaster. This initiative reflects a strong national commitment to expanding financial access, particularly for rural and underserved communities, and aligns closely with the mission and operational focus of FINGEN.

Over time, FINGEN has engaged the Ministry of Finance and National Planning, , Lusaka-Zambia on matters relating to financial inclusion and in particular this Project that has been launched today; recognising the scope and strategic importance of such programmes. During those engagements, the Ministry acknowledged the potential contribution of FINGEN, particularly through its nationwide network of Financial and Trade Counsellors, in advancing inclusive financial access and community-level economic empowerment. The formal launch of this project therefore marks an important moment, and FINGEN welcomes the opportunity for continued dialogue and collaboration toward implementation.

FINGEN also takes this opportunity to express sincere appreciation to the International Fund for Agricultural Development (IFAD) and the Ministry for their sustained commitment to Zambia’s financial inclusion agenda, including earlier investments under the Rural Finance Expansion Programme (RUFEP I and II). Those programmes laid important foundations for improving rural financial systems and strengthening access to finance for farmers and small enterprises.

Building on the successes achieved and drawing from lessons learned through prior initiatives, FINGEN is confident that the newly launched project will deliver meaningful, measurable, and lasting impact for rural communities, smallholder farmers, and micro and small enterprises across Zambia.

The timing of this launch is also significant, as FINGEN has made notable progress in advancing its digital infrastructure, including continued development of the FINGEN App and the ongoing build of its AI-enabled registration agent designed to strengthen digital onboarding, financial visibility, and inclusive participation in the formal economy. These developments position FINGEN to contribute practical, technology-driven support to the broader national financial inclusion ecosystem.

FINGEN remains committed to supporting initiatives that expand opportunity, strengthen resilience, and promote inclusive economic participation for all.

FINGEN Money Genius Group
Advancing Financial Inclusion. Empowering Communities. Building Structured Growth.

AI yatikaulisa lelo, this was not child play. We continue tomorrow! Good evening all

Today we successfully built the core foundation that allows an organization to be created, assigned a unique ORG ID, and accessed securely through a simple join link or command. An organization can now operate inside a structured digital environment powered by an AI Digital Worker.

Target organizations
Schools • Churches • MSMEs • Cooperatives • Farmer Groups • NGOs • Small Mines • Trade Associations • Government Departments • Local Authorities (Councils)

Why use this

- Receive and track payments digitally
- Organize members in one system
- Automate onboarding, communication, and follow-ups
- Reduce manual work and leakages
- Operate 24/7 through an AI Digital Worker

What makes it different
This is not just a chatbot or payment tool. It gives organizations a digital identity, structured operations, automation, and the ability to scale without increasing human workload.

Role of Financial Counsellors (FCs)
FCs will onboard organizations, support adoption, strengthen financial discipline, and bridge technology with real community activity.

We are building the future of digitally operational organizations.

What is your view — how will AI Agents change the way organizations operate?

Good evening and Happy Sunday

AI Agents in Business — A Simple View

I once struggled to clearly understand what an AI Agent really is. The simplest way to see it is this:

An AI Agent is a Digital Worker.

It does not sleep, does not get tired, and continues working after people have knocked off — serving customers, responding to messages, guiding users, supporting sales, and keeping operations moving.

For organizations, this means service can continue 24/7, efficiency improves, and growth becomes easier to scale.

In your own words, how would you describe an AI Agent? Share your thoughts below.