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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 -
December 2019

Focus Note: Digital Credit in Kenya

Since the launch of M-Shwari in 2012, the number of digital lenders and loans disbursed has grown substantially. Advances in credit scoring, few regulatory barriers and the widespread use of mobile phones and mobile money have enabled growth of the digital lending industry, giving borrowers a quick and convenient option for credit. However, industry practices […]