The paper "Triki, Thouraya and Gajigo, Ousman (2012), Credit Bureaus and Registries and Access to Finance: New Evidence from 42 African Countries, African Development Bank Working Paper Series N 154 African Development Bank, Tunis, Tunisia" recommends that, "...For credit bureaus to deliver their full benefits, they should be accompanied by reforms aimed at enhancing financial sector development and initiatives to improve internet infrastructure. A holistic approach is therefore needed."

In light of this, what specific reforms would you recommend to enhance the financial sector development of the country Zambia?