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 - 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 […]

Publications
January 2012

The search for inclusion in Kenya’s financial landscape: Annex 3 – Maps and visual representations

This Annex contains maps displaying financial services usage patterns in Kenya based on the 2009 FinAccess survey. Five maps present spatial variation in estimated usage at a fine scale for the main formal, semi-formal and informal services in Kenya, namely, banks, M-PESA, MFIs, SACCOs and ROSCAs. In additional, visual representations show financial service use in […]

Publications
December 2011

Liquidity and savings in the age of M-PESA

This paper shares the experience of designing and launching Jipange KuSave (JKS), a process that highlights the importance of iterative testing, vigilant innovation accounting, rapid customer development, and commercial model validation. It also exposes the innovator’s dilemma in trying to provide savings services for the poor. Can licensed incumbents think beyond the short-term need to […]

Publications
October 2011

Results of study of post-project replication of groups in COSALO I

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
July 2011

Equity Bank and the Hunger Safety Net Programme (HSNP) in Kenya

This case study explores the implementation and implications of Equity Bank’s partnership with the Hunger Safety Net Programme (HSNP) to support the payment of social protection benefits to the poor in Northern Kenya through agent banking and branch expansion.