Publications

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Publications -
February 2017

Engaging social networks for school fees payments: Lessons from an experiment in Kenya

Flexipay is a blended financing concept, designed to help low-income families meet large financing needs, like school fees. Flexipay enables families to pool resources from their social networks transparently, pay their own bills in a flexible way, and (potentially) tap into advances for urgent payments that exceed liquid savings.  This experiment was designed to test […]

Wheel Lone
Posts
March 2016

Resources for delivering enterprise finance

FSD’s GrowthCap initiative produced resource guides around five interrelated aspects of developing SME finance. Each area is key to the successful development and delivery of SME centric financial services. The table below lists the resources currently available . Click on the titles in the resources developed column to download the documents. Type key: BN = Briefing note: […]

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Posts
November 2015

The unbearable lightness of digital money

This paper examines the factors that make cash ‘sticky’ in the increasingly digitised Kenyan financial landscapes. On the one hand, it discusses the mismatch between assumptions implicit in the financial inclusion discourse and ideas of saving, accumulation and money enshrined in local financial practices, and provides an overview of the current digital payment situation in […]

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Publications -
October 2015

Major growth highlights from the 2015 FinAccess geospatial mapping survey

On October 29, 2015, the Governor of the Central Bank of Kenya, Dr. Patrick Njoroge, the Bill and Melinda Gates Foundation and FSD Kenya launched a follow up survey to the 2006, 2009, and 2013 FinAccess household surveys. The exercise tracks trends in the geographical spread and outreach of the financial sector. The 2015 survey […]

FD_data_collection
Posts
October 2015

An overview of the Kenya Financial Diaries research program

A major gap in the ability of formal financial services to deliver value for low-income families is a general lack of information and understanding of their preferences, behaviours and needs. To address this gap, FSD Kenya in partnership with Bankable Frontier Associates and Digital Divide Data undertook a Financial Diaries study between 2012 and 2013. The Kenya […]

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Posts
September 2015

An overview of developments and trends in Kenya’s retail financial landscape

Globally, 60 percent of adults conduct their financial affairs with the benefit of an account. In Kenya, thanks in large part to mobile money, 2014 estimates from the World Bank’s Findex survey program suggest that nearly 3 in 4 adults have an account. In the recent Brookings Financial and Digital Inclusion Project (FDIP) Kenya ranks 1st among […]

Amolo-Ngweno-Headshot
Posts
August 2015

Q & A with Amolo Ng’weno

Is there a moment or event that stands out in your mind as being symbolic (or a harbinger) of Kenya’s changing financial services landscape in the past 10-15 years? One moment that really stands out is when we were doing some research with FSD on the early concept for M-Shwari. Some young people said, “M-PESA has […]

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