Posted on May 4, 2020

Case study: The future of government-to-person (G2P) Payments: Innovating for customer choice in Kenya


In 2018, Kenya’s Ministry of Labour and Social Protection launched the newest phase of its social safety net programme Inua Jamii with an audacious goal: provide all beneficiaries with a full bank account and offer them a choice among four financial services providers. The Inua Jamii programme (Swahili for “uplift the family”) now reaches 1.2 million beneficiaries (as of the end of December 2019) across four programmes targeting particularly vulnerable groups in Kenya. Beneficiaries can access funds at bank branches and biometrically enabled agents of the bank of their choice.

Inua Jamii beneficiaries by programme (December 2019).

In this case study, we examine how the Inua Jamii programme gradually introduced payments digitisation, then choice to design a programme that has successfully scaled to reach the most vulnerable groups in Kenya. We look at how the Kenyan government sought to offer beneficiaries’ choice, convenience, and ultimately, greater dignity in how they access and use their safety net payments and other financial services.

We detail how Kenya has enlisted private banks to deliver social benefits and has offered them incentives to promote outreach in rural areas. We also describe how development partners supported the transformation of the social safety net programmes.

Download case study (PDF)

You might also like

Capacities to aspire and capacities to save: A gendered analysis of motivations for liquidity management

Financial education in Kenya: Scoping exercise report

Human centered design Africa toolkit

Capacity constraints facing risk fund managers

SME strategic diagnostic framework

The True Size of Agent Networks in Leading Digital Finance Countries