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 […]
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 […]
This short note profiles how Carol – one of the participants in the 2012-13 Kenya Financial Diaries project – manages to leverage her average monthly income of Ksh 4000 into a permanent home for her family.
This video, from the second Financial Inclusion Roundtable hosted by FSD Kenya and IBM Research Africa features Ignacio Mas who proposes a framework for digitizing financial services that work for the poor and unbanked. You can find the slide deck here.
This report examines the causality between branchless banking and financial capability with an in-depth look at how consumers in Kenya’s coastal region are using mobile financial services to manage their personal finances.
This report seeks to depict the Kenyan education environment from the point of view of the household, with specific emphasis on rural smallholder farming households. It seeks to determine how much Kenyan families actually spend on education, whether in private or public school systems, what percentage of income is spent on education as a proportion […]