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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 -
December 2019

Financing Kenya: 2020 hindsight for Vision 2030

Kenya has been feted around the world for its achievements in advancing financial inclusion. And the speed at which access to the formal financial system has advanced has certainly been exceptional. The development of a near ubiquitous mobile phone-based payments system provided the foundations for a further round of fintech innovation. Nairobi has become the […]

Publications -
December 2019

Exploring the links between finance, technology and growth in Kenya

Starting with microcredit in the late 1980s, there has been a growing movement of multilateral institutions, private foundations, non-profits, corporations and governments that aims to provide formal financial services to low-income market segments around the world. This movement is largely motivated by the conviction that access to financial services reduces poverty. Over time, the focus […]

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.