Publications

Results 1 - 10 of 108
Publications -
November 2015

The M-PESA effect: Are financial transaction costs a barrier to more effective insurance for families in Kenya?

This research brief summarizes findings from 3 published papers looking at how M-PESA has affected the lives of Kenyans. It explores how reductions in transaction costs through M-PESA has enabled Kenyans to be more resilient in coping with the consequences of unexpected income shocks.  These findings are based on the  2008-2014 M-PESA household panel survey conducted […]

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 […]

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 BFA and Digital Divide Data undertook a Financial Diaries study between 2012 and 2013. The Kenya Financial Diaries tracked […]

Publications -
June 2015

The Status of Agents in Kenya: Proliferation, Dominance, Evolution & Impact

In this presentation, MicroSave’s Head of Digital Financial Services Mike McCaffrey highlights that one of the largest barriers to daily transactions in the agent network is high proliferation of agents especially in Nairobi. He also noted that even though Kenyan mobile money agents generate the highest transactions in East Africa, they also earn the least from […]