{"id":6874,"date":"2026-09-15T12:26:48","date_gmt":"2026-09-15T06:56:48","guid":{"rendered":"https:\/\/smartmobilefinance.com\/blogs\/?p=6874"},"modified":"2026-09-15T12:26:50","modified_gmt":"2026-09-15T06:56:50","slug":"phone-locking-technology-in-zambia-protecting-phones-sold-on-credit-when-they-go-offline","status":"publish","type":"post","link":"https:\/\/smartmobilefinance.com\/blogs\/phone-locking-technology-in-zambia-protecting-phones-sold-on-credit-when-they-go-offline\/","title":{"rendered":"Phone Locking Technology in Zambia: Protecting Phones Sold on Credit When They Go Offline"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6874\" class=\"elementor elementor-6874\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a630bec e-flex e-con-boxed e-con e-parent\" data-id=\"a630bec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e48112 elementor-widget elementor-widget-text-editor\" data-id=\"2e48112\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Phone locking technology in Zambia must help retailers protect phones sold on credit, even when the phones are offline. When a customer misses an instalment, the retailer is still waiting for the money owed on that phone. This leaves less money to buy new stock, make more sales, and grow the business.<\/span><\/p><p><span style=\"font-weight: 400;\">Did you know? Zambia had 23.5 million active mobile connections at the end of 2025. However, <\/span><a href=\"https:\/\/datareportal.com\/reports\/digital-2026-zambia\"><span style=\"font-weight: 400;\">only 33% of the population used the internet<\/span><\/a><span style=\"font-weight: 400;\">. This shows that internet access is still limited. So, retailers cannot expect every phone sold on credit to remain online at all times.<\/span><\/p><p><span style=\"font-weight: 400;\">For retailers in Lusaka, Kitwe, Ndola, Livingstone, and other parts of Zambia, phone locking technology must continue to protect financed phones when they go offline.<\/span><\/p><p><span style=\"font-weight: 400;\">Let\u2019s understand why this matters.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7a9ae0 e-flex e-con-boxed e-con e-parent\" data-id=\"c7a9ae0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db7c364 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"db7c364\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"639\" src=\"https:\/\/smartmobilefinance.com\/blogs\/wp-content\/uploads\/2026\/09\/Phone-Locking-Technology-in-Zambia_-Protecting-Phones-Sold-on-Credit-When-They-Go-Offline-1024x639.webp\" class=\"attachment-large size-large wp-image-6876\" alt=\"\" srcset=\"https:\/\/smartmobilefinance.com\/blogs\/wp-content\/uploads\/2026\/09\/Phone-Locking-Technology-in-Zambia_-Protecting-Phones-Sold-on-Credit-When-They-Go-Offline-1024x639.webp 1024w, https:\/\/smartmobilefinance.com\/blogs\/wp-content\/uploads\/2026\/09\/Phone-Locking-Technology-in-Zambia_-Protecting-Phones-Sold-on-Credit-When-They-Go-Offline-300x187.webp 300w, https:\/\/smartmobilefinance.com\/blogs\/wp-content\/uploads\/2026\/09\/Phone-Locking-Technology-in-Zambia_-Protecting-Phones-Sold-on-Credit-When-They-Go-Offline-768x479.webp 768w, https:\/\/smartmobilefinance.com\/blogs\/wp-content\/uploads\/2026\/09\/Phone-Locking-Technology-in-Zambia_-Protecting-Phones-Sold-on-Credit-When-They-Go-Offline-1536x958.webp 1536w, https:\/\/smartmobilefinance.com\/blogs\/wp-content\/uploads\/2026\/09\/Phone-Locking-Technology-in-Zambia_-Protecting-Phones-Sold-on-Credit-When-They-Go-Offline-2048x1278.webp 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e78beb e-flex e-con-boxed e-con e-parent\" data-id=\"2e78beb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0ef6b42 e-con-full e-flex e-con e-child\" data-id=\"0ef6b42\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a5f204f e-con-full e-flex e-con e-child\" data-id=\"a5f204f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92f6edf elementor-widget elementor-widget-heading\" data-id=\"92f6edf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Offline Phones Put a Retailer\u2019s Money at Risk<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc923f9 elementor-widget elementor-widget-text-editor\" data-id=\"bc923f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">When a phone sold on credit goes offline, the retailer may face three problems:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f51070 e-con-full e-flex e-con e-child\" data-id=\"9f51070\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c3f2a9 elementor-widget elementor-widget-text-editor\" data-id=\"9c3f2a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Less control after a missed payment: <\/b><span style=\"font-weight: 400;\">Phone locking technology that depends on the internet may not work while the phone is offline<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5bdd569 e-con-full e-flex e-con e-child\" data-id=\"5bdd569\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d6ed1f5 e-con-full e-flex e-con e-child\" data-id=\"d6ed1f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0ac3f8e e-con-full e-flex e-con e-child\" data-id=\"0ac3f8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63f3881 elementor-widget elementor-widget-text-editor\" data-id=\"63f3881\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Customer may be difficult to contact: <\/b><span style=\"font-weight: 400;\">The retailer may struggle to reach the customer if they don&#8217;t answer calls or change the SIM.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2469a05 e-con-full e-flex e-con e-child\" data-id=\"2469a05\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68e2517 elementor-widget elementor-widget-text-editor\" data-id=\"68e2517\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limited money for new stock:<\/b><span style=\"font-weight: 400;\"> Until the customer pays, the retailer has less money to buy more phones and serve new customers.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24c7a60 elementor-widget elementor-widget-text-editor\" data-id=\"24c7a60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Quick note: An offline phone does not always mean that the customer is avoiding payment. The customer may have no mobile data, live in an area with poor network coverage, switch off the phone, or remove the SIM. It becomes a problem when an instalment is overdue and the retailer cannot lock the phone.<br \/><\/span><\/p><p><span style=\"font-weight: 400;\">If several customers delay payments, a shop may sell many phones but still lack enough cash to restock. Every unpaid phone holds back kwacha that could fund the next sale.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77d3cb8 e-flex e-con-boxed e-con e-parent\" data-id=\"77d3cb8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-76e3212 e-con-full e-flex e-con e-child\" data-id=\"76e3212\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-299ae29 e-con-full e-flex e-con e-child\" data-id=\"299ae29\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4358d30 elementor-widget elementor-widget-heading\" data-id=\"4358d30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How SMF\u2019s Phone Locking Technology Works<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-569dc8d elementor-widget elementor-widget-text-editor\" data-id=\"569dc8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/smartmobilefinance.com\/\"><span style=\"font-weight: 400;\">Smart Mobile Finance (SMF)<\/span><\/a><span style=\"font-weight: 400;\"> gives retailers the offline functionality to lock or unlock enrolled phones without an internet connection remotely. This helps the retailer retain control even when a financed device goes offline.<\/span><\/p><p><span style=\"font-weight: 400;\">If a customer misses an instalment, the retailer can lock the phone. Once the payment is received, the retailer can unlock it. This protects the money due and encourages the customer to pay.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-299e40f elementor-widget elementor-widget-text-editor\" data-id=\"299e40f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li dir=\"ltr\" role=\"presentation\">Phone offline? You can still stay in control.<\/li><li dir=\"ltr\" role=\"presentation\">Instalment overdue? Lock the financed phone.<\/li><li dir=\"ltr\" role=\"presentation\">Payment received? Unlock it for the customer.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc7a742 elementor-widget elementor-widget-text-editor\" data-id=\"fc7a742\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">[Also Read: <\/span><a href=\"https:\/\/smartmobilefinance.com\/blogs\/unique-phone-lock-solution-to-boost-cellphone-sales-for-retailers\/\"><span style=\"font-weight: 400;\">Unique phone lock solution to boost cellphone sales for retailers<\/span><\/a><span style=\"font-weight: 400;\">]<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9d4517b e-con-full e-flex e-con e-child\" data-id=\"9d4517b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c7b3b88 e-con-full e-flex e-con e-child\" data-id=\"c7b3b88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb24f98 elementor-widget elementor-widget-heading\" data-id=\"cb24f98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How SMF Helps at Every Stage of an Instalment Sale<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43048b0 elementor-widget elementor-widget-text-editor\" data-id=\"43048b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Offline control is one part of SMF\u2019s phone locking technology. SMF also helps retailers before a payment is missed and during follow-up.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95032ce e-con-full e-flex e-con e-child\" data-id=\"95032ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bc534f7 e-con-full e-flex e-con e-child\" data-id=\"bc534f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3dff576 e-con-full e-flex e-con e-child\" data-id=\"3dff576\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09faaf6 elementor-widget elementor-widget-heading\" data-id=\"09faaf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Before payment is missed:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01ac041 elementor-widget elementor-widget-text-editor\" data-id=\"01ac041\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Timely reminders tell customers about upcoming payments and reduce the need for repeated calls.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a233de3 e-con-full e-flex e-con e-child\" data-id=\"a233de3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5d208a elementor-widget elementor-widget-heading\" data-id=\"d5d208a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">When payment remains overdue:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f52619 elementor-widget elementor-widget-text-editor\" data-id=\"0f52619\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Remote device locking protects the financed phone until the customer pays.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-890a729 e-con-full e-flex e-con e-child\" data-id=\"890a729\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc045e3 elementor-widget elementor-widget-heading\" data-id=\"fc045e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">If someone tries to remove the lock:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-201fec4 elementor-widget elementor-widget-text-editor\" data-id=\"201fec4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u00a0SMF\u2019s anti-tamper security helps prevent attempts to bypass the device lock through actions like a factory reset.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1101838 e-con-full e-flex e-con e-child\" data-id=\"1101838\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0a93339 elementor-widget elementor-widget-heading\" data-id=\"0a93339\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">If the customer becomes difficult to contact:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e62310 elementor-widget elementor-widget-text-editor\" data-id=\"3e62310\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Find Number and Find Location provide the phone\u2019s active number and last known location for follow-up.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15bc968 e-con-full e-flex e-con e-child\" data-id=\"15bc968\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd7f121 elementor-widget elementor-widget-heading\" data-id=\"fd7f121\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">When the retailer needs assistance:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fca37c elementor-widget elementor-widget-text-editor\" data-id=\"6fca37c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Dedicated chat support allows the retailer to contact the SMF team.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66829cf elementor-widget elementor-widget-text-editor\" data-id=\"66829cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Together, these features help retailers remind customers, protect financed phones, follow up on missed payments, and manage their instalment sales.<\/span><\/p><p><span style=\"font-weight: 400;\">[Also Read: <\/span><a href=\"https:\/\/smartmobilefinance.com\/blogs\/device-lock-protecting-retailers-from-costly-defaults-in-africa\/\"><span style=\"font-weight: 400;\">Device Lock: Protecting Retailers from Costly Defaults in Africa<\/span><\/a><span style=\"font-weight: 400;\">]<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6de76d2 e-flex e-con-boxed e-con e-parent\" data-id=\"6de76d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24816e4 elementor-widget elementor-widget-heading\" data-id=\"24816e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sell More Phones on Credit and Protect Your Money<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f09072 elementor-widget elementor-widget-text-editor\" data-id=\"4f09072\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Selling a phone on credit helps a Zambian retailer serve customers who cannot pay the full price at once. But handing over the phone is only the beginning. The retailer receives the full amount only after the customer pays every instalment.<\/span><\/p><p><span style=\"font-weight: 400;\">SMF gives retailers a safer way to sell phones on instalments. They can remind customers about payments, lock financed phones when needed, and unlock them after payment. This helps retailers collect the money they are owed, buy new stock, and continue growing their business.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7cc965e e-flex e-con-boxed e-con e-parent\" data-id=\"7cc965e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0a760f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b0a760f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a7f3a9 elementor-widget elementor-widget-heading\" data-id=\"2a7f3a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b790b39 elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"b790b39\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6aaf2a09ec379\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-b790b39\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-6f491396aaf2a09ec379\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-6f491396aaf2a09ec379\" aria-expanded=\"true\" aria-controls=\"Collapse-6f491396aaf2a09ec379\">\n                            \n                            <span class=\"ekit-accordion-title\">What should retailers in Zambia check before choosing phone locking technology?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\" ti-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\" ti-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-6f491396aaf2a09ec379\" class=\" show collapse\" role=\"region\" aria-labelledby=\"primaryHeading-0-b790b39\" data-parent=\"#accordion-6aaf2a09ec379\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Retailers should check whether the technology works offline, supports the phone brands they sell, protects the lock from removal, and allows quick unlocking after payment. SMF offers these capabilities in one platform, along with support when retailers need help.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-b790b39\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-042b3786aaf2a09ec379\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-042b3786aaf2a09ec379\" aria-expanded=\"false\" aria-controls=\"Collapse-042b3786aaf2a09ec379\">\n                            \n                            <span class=\"ekit-accordion-title\">Why Is SMF\u2019s Phone Locking Technology Widely Used by Retailers in Zambia?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\" ti-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\" ti-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-042b3786aaf2a09ec379\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-1-b790b39\" data-parent=\"#accordion-6aaf2a09ec379\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">SMF protects phones sold on credit even when they go offline. It helps retailers remind customers about payments, lock and unlock phones, prevent removal of the lock, find the active number and last known location, and get help through chat support. Retailers can manage all these activities from one platform, making phone sales on credit simpler and safer.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-b790b39\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-fcc8da46aaf2a09ec379\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-fcc8da46aaf2a09ec379\" aria-expanded=\"false\" aria-controls=\"Collapse-fcc8da46aaf2a09ec379\">\n                            \n                            <span class=\"ekit-accordion-title\">Can customers in Zambia pay phone instalments through mobile money?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\" ti-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\" ti-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-fcc8da46aaf2a09ec379\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-2-b790b39\" data-parent=\"#accordion-6aaf2a09ec379\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Retailers can choose payment methods that suit their business. According to the <\/span><a href=\"https:\/\/www.boz.zm\/sites\/default\/files\/2026-08\/2025%20National%20Payment%20System%20Annual%20Report%C2%A0.pdf\"><span style=\"font-weight: 400\">Bank of Zambia\u2019s 2025 National Payment System Annual Report<\/span><\/a><span style=\"font-weight: 400\">, Zambia had 17.2 million active mobile money wallets in 2025. This shows that mobile money is a familiar and practical payment option for many customers in Zambia.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What should retailers in Zambia check before choosing phone locking technology?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-weight: 400\\\">Retailers should check whether the technology works offline, supports the phone brands they sell, protects the lock from removal, and allows quick unlocking after payment. 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