Publications

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. 

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Agent
Publications - Report
March 2017

The True Size of Agent Networks in Leading Digital Finance Countries

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 pic
Publications - Report
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 […]

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sme banking
Publications - Report
November 2016

Testing SME banking in Kenya – a mystery shopping exercise

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 […]