It is hard to believe it has been more than a year since the first COVID-19 case was confirmed in Kenya, forcing us to make many unanticipated adjustments about the way we worked.

Most significantly, we had to shift to remote working. One year down the line, I am immensely proud of our team for staying the course so far and maintaining our momentum despite the disruption of COVID-19.

The COVID-19 crisis is creating great uncertainty about what the future holds for the economy and well-being of all.

FSD Kenya’s work is increasingly focused on trying to help harness the on-going disruption of the sector in a way which will create real value for people.

Although this question seems simple and straightforward, answering it is more difficult than it looks.

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.

The report gives an overview of FSD Kenya’s proposed programme of activities and major issues surrounding financial inclusion during 2016 and highlights of our initiatives.

The impact of the recent six-month drought is readily apparent. The earth is dry and cracked and most of the trees and shrubs are barren. Riverbeds are full of dried branches and the livestock that roam the area are but skeletons, with many dead along the road.

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.

Over 250 policymakers, industry players, regulators, lecturers, students, financial sector analysts, development practitioners and other guests gathered at the National Museum’s Louis Leakey Auditorium on Thursday 9th February 2017 for the 3rd FSD Kenya annual lecture on financial inclusion.

The research is based on a long-term series of five surveys undertaken on M-Pesa in Kenya supported by FSD Kenya and the Bill and Melinda Gates Foundation.

This report draws on Financial Diaries data from India, Kenya, and Mexico to enhance the field’s understanding of women’s financial lives, and to highlight provider-led opportunities to better serve this important market segment.

Beneath the surface of many of the disruptive applications we use everyday is a growing web of APIs – application program interfaces that enable applications to “talk” to one another.

This reports gives an overview of the major issues surrounding financial inclusion during 2015 and highlights 10 of our initiatives.