Kokeb Enterprises is best known for the roads, factories and mine facilities it builds. Behind those projects sits a technology division that has spent the last three years building the software a modern Zambian enterprise runs on — and, increasingly, the software a modern Zambian economy will run on: regulated digital finance that lets ordinary citizens own a share of the assets being built around them.
Four services on one set of rails — verified identity, programmable ownership and automated settlement. Together they let a mine-services operation, a solar plant or a cooperative raise capital from the public in small, regulated units, and pay investors automatically.
A tokenised security is an ordinary regulated security held in digital form, with the rules written into the asset itself: it cannot be transferred to an unverified person, nobody can exceed the holding cap, and revenue is split and paid by the contract rather than by an accounts department. Issuers — private companies, cooperatives, and under the proposed Digital Capital Markets framework, statutory bodies and PPP companies — come on board through a workflow that enforces each statutory check before an offer can be registered. Regulators read the register in real time through scoped, logged access.
Small and medium enterprises raise ZMW 5–50 million from many verified investors under tiered issuer caps, retail limits, escrow and a cooling-off period.
Open module →Verified lenders fund loans to verified borrowers; repayment schedules, participations and risk profiles tracked end to end, with lender and borrower limits.
Open module →Low-cost, rules-based guidance for first-time investors: risk profiling, suitability, portfolio construction and recommendations with algorithm governance.
Open module →A payments layer for collections, payouts and settlement in Kwacha, and a digital-only bank built on a branchless model — both in regulatory engagement with the Bank of Zambia.
Payments demonstrator →Every module below began as a tool Kokeb needed for its own construction, property, fleet and workshop operations. Built multi-tenant from the start, each is now a product that other Zambian businesses can subscribe to, with single sign-on across the suite.
Payroll, attendance, leave, contracts and compliance for a workforce spread across sites — Kokeb's own employees are managed on it.
Property and estate management for landlords and managing agents: leases, billing, mobile-money collections, landlord payouts, maintenance and staff training built in.
Fleet and logistics management with live telematics from the trackers already fitted to Kokeb's trucks and plant: trips, fuel, maintenance, tyres, driver scoring, customer tracking.
Accounting and financial management for group companies: ledgers, invoicing, bank reconciliation, ZRA Smart Invoice, management reporting.
Procurement, multi-branch inventory, materials and supplier management for construction — the operating system behind Kokeb's materials business.
Plant and equipment hire with availability, contracts, utilisation and planned IoT control of machines in the field.
Job cards, parts, labour and service history for heavy-duty workshops — built around Kokeb's own reconditioning and repair operation.
The console through which clients, consultants, subcontractors and Kokeb's teams coordinate construction projects, with a quantity-surveying command centre for BOQs, valuations and variations.
Single sign-on and organisation management across the suite — one identity, role-based access, tenant isolation.
Energy, economic zones, mining communities and hospitality — each platform addresses a gap Kokeb met in its own operations along the Solwezi–Kalumbila corridor.
Energy and fuel trading platform — electricity trading and supply, fuel retail operations with ZRA Smart Invoice, and the operating software for Kokeb's own Novea-branded station in Solwezi.
Operating software for Multi-Facility Economic Zones and industrial parks — plots, tenants, utilities, permits and services — built to run Kokeb's 275 ha MFEZ on the Solwezi–Kipushi road.
Social-licence intelligence for mining and infrastructure operators: assess, score, diagnose, assign action, verify evidence, report. Offered with NextEra Consulting.
Hospitality operations for lodges and guest houses — reservations, housekeeping, point of sale and guest services — shaped by Kokeb's Iridium Lodge.
Kokeb's geomatics division already surveys, maps and models the sites it builds. The technology division turns that into continuous data — from machines, vehicles and forecourts — feeding the platforms above.
Nearly a hundred tracked vehicles and machines reporting into Zanda Fleet: position, speed, utilisation, geofences and alerts.
RFID attendant and vehicle tags on dispensers and float probes in tanks to stop fraud and loss at fuel stations — rolling out at Novea sites.
Drone and LiDAR surveys, GNSS and geodetic control, digital terrain models and GIS data management — feeding design, construction and land administration.
Kokeb builds software the way it builds roads: to be used in hard conditions, by people who have other jobs to do, under the eye of regulators and auditors.
Every product is proven on Kokeb's own operations first — its payroll, its trucks, its tenants, its fuel station — before it is offered to anyone else.
Organisations are isolated at the data layer, roles are enforced in middleware, and one identity (Zanda Accounts) works across the suite.
Encryption of personal data at rest, role-based access, rate limiting, error tracking, immutable audit trails — and for digital securities, smart-contract audits before issuance.
Supervisors get scoped, read-only, logged access to the records they are entitled to see, rather than periodic reports.
TypeScript/Next.js and Python services on PostgreSQL, containerised and deployable to cloud or to a Zambian data centre; Polygon for digital securities.
A small senior team using AI tooling under a formal usage policy — which is how thirty applications were designed, built and iterated in under three years.
We license the Zanda suite to operators, build bespoke systems for mining houses and contractors, and partner with banks, regulators and development institutions on digital finance. If you run an operation along the Lobito Corridor and your software is holding you back, we would like to talk.