FSD Kenya is an independent trust established in 2005 to support the development of inclusive financial markets in Kenya. Its mission is to create a financial system that delivers value for a green and inclusive digital economy, improving financial health and capability, particularly for women, young people and micro, small and medium-sized enterprises (MSMEs).

For more than two decades, FSD Kenya has worked as a market facilitator, helping public and private institutions address constraints in the financial system. The organisation has contributed to the development of innovations such as mobile money, agency banking and digital credit. Through FinAccess, it has also built a nationally representative body of evidence on how Kenyan households use financial services and manage their financial lives.

FSD Kenya’s work combines research, policy engagement, market experimentation and partnerships. It works closely with government, regulators, financial service providers, investors and other market actors to test ideas, inform decisions and develop financial solutions that respond to the needs of people and businesses.

The 2026-2030 strategy seeks to unlock resilient futures for women, young people, MSMEs and their communities through value-adding finance. It has four areas of focus:

1. Policy and financial market infrastructure: Supporting policies and regulations that enable inclusive finance, more open and efficient financial markets, and digital public infrastructure.
2. Thought leadership, evidence and engagement: Producing evidence and practical insights, informing policy and market debate, and assessing whether financial-sector development is improving financial health and livelihoods. This includes the continued development of FinAccess, which has tracked financial inclusion and financial health in Kenya for more than two decades.
3. Green and resilient agrifood systems: Expanding access to finance that supports inclusive, digital and climate-resilient agrifood systems, generates livelihoods and better aligns economic incentives with biodiversity goals.
4. Strategic initiatives: Developing and testing affordable, fit-for-purpose financial solutions for the real economy, with a particular focus on MSMEs. This includes facilities that reduce the risks and costs of serving businesses that remain poorly served by formal finance.

FSD Kenya’s work is funded by development partners, including UK International Development, Sida, the International Fund for Agricultural Development and the Gates Foundation.