The FinScope Zambia 2015 survey is the third FinScope survey implemented in Zambia. The first FinScope survey was conducted in Zambia by FinMark Trust in 2005 to inform the Government of Zambia’s financial sector reform programme as articulated within the Financial Sector Development Plan (FSDP). The findings of this survey showed that levels of financial inclusion amongst Zambian adults were very low—only 33.7 percent of adults being financially included. A follow-up survey conducted in 2009 showed that, while levels of financial exclusion had reduced since 2005, financial inclusion remained relatively low (with only 37.3 percent adults being financially included) and therefore of significant concern to both policymakers and financial service providers alike. In particular, the survey findings alluded to the impact of the global financial crisis in hampering Government reform efforts and highlighted the ongoing prevalence of a number of access and usage barriers that continued to prevent people from accessing and effectively engaging with Zambia’s financial system.