Publications

FSD Kenya publications cover a wide range of topics relevant to financial inclusion, encompassing in-depth reports, research and project briefs, technical notes , ‘how to’ guides, presentations and our annual reports and newsletters. 

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Publications
May 2012

Driving change through technology: The Postbank example

“You are finally a real bank.” This quote from a customer exemplifies the deep change that Postbank has undergone, moving from an antiquated passbook system into the modern world of cards and point of sale devices. It has been a challenging journey, both internally and externally. As Postbank has sought to professionalise within, the competitive […]

Publications
April 2012

Using credit to grow savings: Results from a mobile pilot in Kenya

In November 2009 the Consultative Group to Assist the Poor (CGAP) and the Financial Sector Deepening Trust Kenya (FSD Kenya) provided a total of USD 540,000 to Mobile Ventures Kenya Limited (MVK) to enable MVK to pilot an innovative savings product delivered through the mobile channel. The product is Jipange KuSave (meaning “plan or organise […]

Publications - Brief
April 2012

Why doesn’t every Kenyan business have a mobile money account?

M-PESA agents and, increasingly, the agents of other mobile money schemes and banks are everywhere. The most striking thing about mobile money in Kenya is how visible it is: the proliferation of store signage leaves no one with any doubt that something big is happening in the Kenyan payment space. It is estimated that three […]

Publications - Brief
March 2012

Results of a study of post-project replication of groups in COSALO – summary

In September 2011, FSD Kenya conducted a short study of savings groups created under the Community Savings and Loans (COSALO I) project, funded by FSD and implemented by CARE International in Kenya. 54 groups were representatively selected from about 2,500 groups created in Nyamira and Rachuonyo regions by franchisees and faith-based organizations. The purpose of […]

Publications
March 2012

The search for inclusion in Kenya’s financial landscape: Annex 2 – Demand-side survey

This annex reports more detailed findings from the demand side survey than are contained in the main report. First, the methodology of the survey is explained before proceeding to two further sections. The second section, reports more detailed descriptive data on a service by service basis. It aims to ensure that detailed findings are available […]

Publications - Report
March 2012

The search for inclusion in Kenya’s financial landscape: The rift revealed summary report

Does the rapid adoption of mobile phone based money transfer services (MMT) suggest a tectonic shift in Kenya’s financial landscape and the greater potential for formal sector inclusion – especially in savings or transactions accounts? This report examines the use of MMT within the context of informal and formal financial service use. The study investigated […]

Publications
March 2012

The search for inclusion in Kenya’s financial landscape: The rift revealed

This report examines the use of M-PESA within the wider context of financial service use in Kenya. It argues that the way this service is being used offers evidence of a key feature of the logic of people’s financial transactions: that they are embedded in the give and take nature of inter-personal transfers within social […]