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January 2020

Financially underserved Kenyans and their market potential

A segmentation study to identify Kenyans whose financial needs are not adequately met by the solutions available in the financial market, and the untapped opportunities they offer to financial service providers. Overview Over the past two decades, Kenya has made significant strides in financial inclusion. According to the 2019 FinAccess household survey, 80% of Kenyan […]

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, […]