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ADFP admits institutions or bodies and members subject to compliance with the following entry and participation Criteria:

Entry Criteria

In order to obtain membership of ADFP, an institution or body eligible in terms of the Act must be:

A registered organization in DFS

Individual practicing or skilled in DFS

Participation Criteria

In order to maintain membership of ADFP, a member must comply on a continuous basis with the requirements which include annual subscription payment

The membership is classified as Fellow, Full-Associate, Associate, and Affiliate depending on the qualifications and experience attained.

ADFP may engage with donors, cooperating partners and other sponsors on project and assignments and may be affiliated as Collaborating Member


The eligible members for ADFP must have completed at least a course offered by the DFI, such as Certificate in Digital Money (CIDM), Leading Digital Money Markets (LDMM) to qualify for the affiliate membership, with the highest designation being Chartered Digital finance Practitioners (CDFP).

Current membership

comprises 286 Alumni who have completed at least one course. We have 20 CDFP graduates in Zambia (can use Icons here)

Where our members are from

The members are from various organizations within and outside the DFS sector, including:

Membership Fees

Corporate – 

Individual – K400

Bank of Zambia (BOZ), Zambia Electronic Clearing House (ZECHL), Zambia Information and Communication Technology Authority (ZICTA), Consumer Competition Protection Commission (CCPC).

Zambia National Commercial Bank (Zanaco), First National Bank (FNB), Zambian National Building Society (ZNBS), Access Bank, AB Bank, Zoona, Atlas Mara and Indo Zambia Bank.

MTN, Airtel and Zamtel

Development organisations include Financial Sector Deepening Zambia (FSD Zambia) and the United Nations Capital Development Fund (UNCDF).

Other employers comprise Payment Services Providers, Fintechs, Payment Aggregators, and Microfinance Institutions.

Become a Student

The association offers courses in digital finance, including the Certificate in Digital Money (CIDM), Leading Digital Money Markets (LDMM), Customer and Users of Digital Payments (CU), Regulation of Digital Finance Services (Reg), and Technology and Operational Enablers (Tech). These courses cover various topics such as digital money, digital payment users, digital finance regulation, and technology and operational aspects of digital finance.

Foundation Courses

  • Certificate in Digital Money (CIDM)
  • Leading Digital Money Markets (LDMM)

Chartered Digital Finance Practitioners

To obtain CDFP Candidates must complete CIDM and LDMM, specialized papers, and undertake practicals (comprising peer-to-peer learning through participation in, or leading a seminar/webinar/community of practice or a research assignment. 

The routes are:

  • Customers and Users of Digital Payments (CU)
  • Regulation of Digital Finance Services (Reg)
  • Technology and Operational Enablers (Tech)

Download Prospectus for more details

Student Support

Students can access limited scholarships or apply for discounts. These scholarships are obtained based on a recommendation by ADFP, and thus students are required to be fully paid-up members. Women are also encouraged to apply.

Our Goals

Our work revolves around providing awareness and sensitizing members and the general public on payment systems and solutions.

We aim to support initiatives that enable access to affordable financing to facilitate innovations, growth, and sustainability.

We are advocates for a countrywide financial inclusion drive in line with the National Financial Inclusion strategy. Our desire is to see universal access and usage of a broad range of quality and affordable financial products and services across Zambia.

We promote discussions and innovations that support the interoperability agenda among competitors and collaborators.

We are seeking to promote and advocate for sustainability through collaboration with partners.

We support the call to action that seeks to see all Zambians, especially the economically disadvantaged reaping the full benefits of financial inclusion.