Publications

Results 1 - 10 of 50
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 -
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
August 2017

The price of being banked

A study on transparency and cost of leading banking services sold in Kenya Kenya has experienced tremendous improvements in access to financial services over the last few years. However, little is known about the trends in affordability of financial services, especially for low-income earners.  FSD Kenya’s two-year study on the affordability of financial services and […]

Publications -
March 2017

The True Size of Agent Networks in Leading Digital Finance Countries

This paper lays out a framework for measuring access to digital financial services (DFS) provided via cash-in/cash-out agent networks in an ecosystem. We clarify the distinction between an agent till  a provider-issued registered “line”, either a special SIM card or a POS machine, used to perform transactions for clients and an agent outlet – a […]