This study sought to analyze the analysis of the impact of mobile banking on commercial banks' financial performance. To this effect a descriptive research design was used on a sample of 101 respondents drawn from FNB Bank Zambia Lusaka Branch. The findings indicate that while there is a growing adoption of mobile banking, its full potential is yet to be realized. Commercial banks need to strategically integrate mobile banking services to optimize their financial performance, leveraging the opportunities presented by this technology. Based the conclusion, the study recommends that Commercial banks in Zambia should prioritize and invest in comprehensive financial literacy programs to educate the population about the advantages and functionalities of mobile banking and that Collaborative efforts with the Zambian government can amplify the impact of mobile banking. Banks should work closely with relevant government agencies to align their strategies with broader financial inclusion initiatives and leverage existing programs to reach underserved populations.

The worldwide prevalence of money laundering poses a serious risk to the security of monetary systems and economies everywhere. This study offers a theoretical explanation of money laundering and describes the steps that make up the process in detail. In addition, it delves into the digital approaches used in money laundering, illuminating the many processes that take place via internet-connected devices. To get a whole picture of the problem, it's crucial to know what money laundering is, why it happens, and how it hurts businesses and economies, as the author explains. Almost everywhere on Earth, money laundering is considered a serious crime, thus the most prosperous nations have put in place stringent safeguards to prevent it. The article looks at the ways in which money launderers get around these restrictions and use novel, unlawful strategies to clean their money before using it. Researchers observed that money launderers use strategies including "layering," "integration," and "placement" to avoid getting caught and prosecuted. Online platforms, digital currencies, and anonymous payment methods all provide new ways for money launderers to hide their transactions, making electronic money laundering a growing concern as well. This presentation offers a synopsis of the problem of money laundering and the damage it does to economies all around the world. This highlights the need of governments, financial institutions, and law enforcement organizations maintaining their efforts to tackle this threat. Money laundering is a serious problem that calls for increased attention and the creation of new methods to detect and stop it.

Understanding and implementing wise saving behavior plays an important role for Micro and Small Enterprises (MSEs) in building a strong financial foundation, managing risks better, and increasing opportunities for growth and success in business. The objective of this study is to examine the impact of financial attitudes and social influences on saving habits, with the intermediary role of financial literacy being a focal point of analysis. The sample used was 100 respondents. This research uses primary data sources. The type of research is quantitative. Samples were collected through surveys by distributing questionnaires directly to respondents. The collected data was analyzed using Structure Equation Modeling (SEM) with the Smart PLS analysis tool. The findings from this study indicate that financial attitude positively and significantly influences saving behavior, while social influence also has a positive and significant impact on saving behavior. Additionally, financial literacy exhibits a positive and significant effect on saving behavior. Furthermore, financial attitude positively and significantly influences financial literacy, and social influence similarly has a positive and significant impact on financial literacy. It is observed that financial literacy serves as a mediator for the variables of financial attitude and social influence in influencing saving behavior.