Publications

Results 1 - 10 of 73
Publications -
November 2019

Digital credit audit report: Evaluating the conduct and practice of digital lending in Kenya

Digital credit has been instrumental in granting formal credit in ways that were not conceivable a decade ago. It has provided individuals with the tools to manage their day-to-day needs and working capital for small enterprises. Survey data reveals that over six million Kenyans have borrowed at least one digital loan. Beyond these daily use-cases, […]

Publications -
April 2019

The 2019 FinAccess household survey

The 2019 FinAccess household survey is the fifth in a series of surveys that measure drivers and usage of financial services in Kenya. The 2019 report was officially launched on April 3rd 2019. The four previous surveys of 2006, 2009, 2013 and 2016 have shown that Kenya has made significant progress in fostering financial inclusion, with the latest survey providing a […]

Publications -
October 2018

Digital credit in Kenya: evidence from demand-side surveys

The pricing, marketing and potential misuse of digital loans coupled with the extensive negative reporting of borrowers who have failed to repay these relatively small loans has raised a growing chorus of concern about their design and the adverse impacts they have on borrowers and the financial system more broadly.

Publications -
June 2018

Emerging data sharing models to promote financial service innovation: global trends and their implications for emerging markets

Whether it's government records, bank account data, or web browser activity, providing consumers with the ability to access and share their digital identity and records could increase competition and innovation by letting financial service providers better target and price products to consumers.

Posts
June 2018

Field Notes

FSD Kenya carries out research excursions across the country to obtain perspectives of ordinary Kenyans regarding finance, financial services and how the financial system has impacted their livelihoods. This feedback plays a vital role when designing financial solutions that add value to consumers. Below are various blog posts with first-hand information from the field.    […]