Publications

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 […]

In this presentation David Ferrand explores the principles on which banking services might be built in order to make financial tools more relevant for the poor. 

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 […]

The latest FinAccess survey provides evidence of how a new generation of digital services is shaping the financial landscape.

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 […]

Point locations of all agricultural and financial access points in 2015.

A panel household survey designed to track the adoption and impact of M-PESA in Kenya.

A range of factors influence which financial services people use. These include the factors of cost and distance as well as those such as literacy, income source and gender. In order to develop policies to expand access and use, policy-makers need to have an understanding of these factors – socio-economic, demographic and geographic – and […]

The primary objective of this report was to pre-test some concepts for the FinAccess 2009 survey. The concepts include: (1) Financial literacy – familiarity with product terminology such as collateral, interest rates, bad debt, mortgage, credit bureau, insurance, life insurance, investment and shares; ƒ (2) Usage of informal groups – reasons why they are formed, why they […]

Point locations of financial access points in 2013.