Financial inclusion Munacinga C. Simatele, Ziphozethu Dube, Sibanisezwe Khumalo, George W. Ssonko, Duncan R. Kawooya, Miselo Bwalya, Phindile G. Dlamini, Gilbert Kichini, Martin M. Kabange, Mzwanele Dlova, Syden Mishi, Timothy Mutyavaviri