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Francis Gwer
Articles by Francis Gwer:
March 21st, 2023
Credit, where it is due: Kenya’s credit information sharing journey
Francis Gwer
April 5th, 2022
Inclusive Finance for Sustainable Economic Development in Kenya
Anzetse Were
Kenya’s progress on inclusive financial sector development over the past five years places Kenya at the front of the curve relative to its peers. But beneath its headline success story, falling financial health and growing disparities in financial usage point to underlying challenges that compromise the ability of financial inclusion to deliver on its promise for inclusive and sustainable growth.
This document has been developed to provide a review of the regulatory framework for data protection in Kenya. The report takes a broad view of what constitutes the regulatory framework, going beyond the Data Protection Act, 2019 (DAPA) to include the European General Data Protection Regulation (GDPR) and the California Consumer Protection Act (CCPA).
September 1st, 2021
Data Privacy and Protection: Guidance Note to Kenya’s Digital Financial Services – Report
Francis Gwer
In May 2017, a special focus in The Economist likened data to the fuel of the future, noting that “data are to this century what oil was to the last one: a driver of growth and change” predicting that the largest conglomerates of the future will be data-driven firms like Google, Tencent, Amazon, and so on, in much the same way the previous century’s oil and manufacturing conglomerates defined the industrial revolution.
This report is the second in a series of studies that measure the cost of banking services in Kenya. It follows the first report that was released in 2017 and constitutes a complementary element in the measurement of the financial inclusion landscape in Kenya.
The first article in a blog series examining the Kenyan credit market by FSD Kenya drew an analogy between the recent forest fires in the Amazon Jungle and the explosion of digital credit in Kenya.
November 13th, 2019
Digital credit audit report: Evaluating the conduct and practice of digital lending in Kenya
Francis Gwer
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.
Although this question seems simple and straightforward, answering it is more difficult than it looks.
This report outlines the findings from a two-year study by FSD Kenya to understand the costs for banking services in Kenya. Two rounds of mystery shopping surveys were completed in October and November of 2015 and 2016
to build a database and measure the costs for basic bundles of transactions such as opening, running and closing bank accounts.
Banking remains the largest sub-sector by assets and the most systemically significant in Kenya’s financial services sector. Developments, especially those enabled by technology, have brought a sizeable number of new, mostly poorer and vulnerable first-time consumers into the market.
September 20th, 2016
Transparency in finance: Is it a matter of life and death?
Duncan Oyaro
Financial institutions play a key role in enhancing trust in the financial system
