Instant AML and KYC compliance solution for Zambia

Smile ID's identity verification solutions empower businesses in Zambia to comply with AML and KYC requirements seamlessly. By providing instant customer identity verification and efficient user onboarding, companies can ensure compliance with Zambia's KYC, AML, and data protection laws while streamlining their processes.

Country Overview

Zambia is affiliated with the Financial Action Task Force (FATF) due to their membership with the Eastern and Southern Africa Anti-Money Laundering Group (ESAAMLG). The has implemented KYC/AML regulations in line with international standards.

Regulatory Overview

KYC/AML regulations

AML/KYC regulations in Zambia are enforced by several regulators, including the:

Bank of Zambia (BOZ)
Financial Intelligence Centre (FIC)
The primary legislation governing KYC/AML in Zambia is the Financial Intelligence Centre Act of 2010.

Partner with Smile ID to ensure your business stays compliant with AML/KYC regulations in Zambia.

Data protection regulations

The Zambian Information and Communication Technology Authority (ZICTA) enforces national data protection laws under the Zambia Data Protection Act (ZDA).

Institutions must secure user consent before processing and transferring personal data, and users have the right to request the deletion of their personal data.

Accurately authenticate and onboard users in Zambia

Expand your business in Zambia with Smile ID. We help rapidly growing businesses maintain compliance, prevent fraud, and streamline their user verification processes effortlessly. Confidently verify Zambian users and prevent fraud for seamless onboarding:

Access to 2 ID government databases with over 13M+ ID records in Zambia.

Verify up to 8 ID types, including National ID, Banks accounts, TPIN, Voter ID, Driver’s License, Passports, Registration Certificates, and more.

De-biased models ensure 99.8% accuracy across all African skin tones.

Image capture SDKs optimised for low bandwidth and compatible with all software versions as old as Android 5.0.

Run global AML Check against over 1100 global sanctions, PEPs, and adverse media watchlists.

Enterprise-level security with ISO 27001 and SOC 2 Type 1 & 2 certifications.

Accurately verify up to 8 ID types in Zambia

We empower businesses with the flexibility to verify their user identity using any of the following ID documents. All we need is a document photo and a selfie.

Zambian Identity Card

A Zambian national ID card is necessary for various official purposes, such as opening a bank account, voting in elections, and accessing government services. Examples include National IDs, Consular IDs, and Diplomat IDs.

Zambian Travel Documents

Zambian travel documents include Border Crossing Documents, Refugee Documents, and Visas. Border Crossing Documents are issued to residents living near borders, allowing them to cross into neighbouring countries for short visits. Refugee Documents are provided to refugees residing in Zambia, granting them legal recognition and the ability to travel within and outside the country.

Zambian Passport

The Zambian passport is an official travel document issued by the government to its citizens for international travel. It includes the holder's photograph, personal details, and a unique passport number.

Zambian Registration Certificate

A Zambian registration certificate is issued to businesses and organisations operating within Zambia. It serves as proof of legal registration and compliance with Zambian business laws and regulations.

Verify Zambians using ID documents

Verifying users with ID documents and biometric face matching is one of the most reliable ways to determine a user's true identity. Our ID document verification solution checks that an ID document is authentic, accurately transcribes the text on the document and compares a user-submitted selfie to the document image.

Transcribes document text with 96% accuracy

Checks for accurate format

Identifies tampered and forged documents

Verifies security features

Scan your document

Our image capture tools guide users to take clear photos even with older devices.

Smile for a selfie

Ensure the real user is behind the camera with a smile to test for liveness.

Get real-time results

In a few seconds, you will confirm the document is authentic and belongs to the user behind the camera.

Comprehensive Identity verification (KYC/AML) solution in one place

Smile ID provides multiple options to verify and onboard your customers:

Document Verification: Verify over 8500 documents across 220 countries globally (including Zambia) with 96% OCR accuracy.
Government Check: Utilise our Enhanced & Biometric KYC products to verify customer information against 2 Zambian ID authority databases, accessing up to 13M+ ID records in Zambia.
Enhanced Document Verification: Add an extra layer of security with our enhanced document verification solution which combines government checks with document verification when onboarding customers.

Smile Links: Flexible, no-code option for creating customised user verification flows

SDKs: iOs, Android, Hosted Web, Flutter, REACT Native

Server-to-server libraries: Ruby, Java, PHP, Python, node.js

REST API