Financial inclusion is about harnessing the power of markets to improve people’s lives. Learn more


Digital credit audit report: Evaluating the conduct and practice of…

Digital credit has been instrumental in granting formal credit in ways that were not conceivable a decade ago. It has…

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Digital credit: not every winner must create a loser

Kenya’s economic structure: What’s the optimal role of finance?

Is financial inclusion adding value for women; or is it…

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Amrik Heyer

FSD Kenya
EXPERTISE: Research methods, Anthropology
Amrik Heyer

The biggest weakness of mobile money is that it forces all services built on the platform to be in real time


The percentage of Kenyan adults who use formal financial services in 2015.

Banks still face a big hurdle of perceived appropriateness and trust for poorer clients.