FSD Kenya publications cover a wide range of topics relevant to financial inclusion, encompassing in-depth reports, research and project briefs, technical notes , ‘how to’ guides, presentations and our annual reports and newsletters.
This paper lays out a framework for measuring access to digital financial services (DFS) provided via cash-in/cash-out agent networks in an ecosystem. We clarify the distinction between an agent till a provider-issued registered “line”, either a special SIM card or a POS machine, used to perform transactions for clients and an agent outlet – a […]
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 […]
The financial services sector’s attitude towards small and medium sized enterprises (SMEs), is changing. SMEs form a significant part of the potential finance market in most countries, including Kenya. Despite the growing commitment of Kenyan banks to this market, in comparison to other sub-Saharan countries, access to finance is still considered to be a major […]