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Blogs & publications

Please, no snails in my beer: Should a duty of care be introduced for financial service providers?

Manufacturers of cars or microwave machines are duty bound to ensure that their products are safe for use. Why can’t financial regulation introduce a similar obligation to ensure financial products and services are not negligently developed and sold, causing harm to consumers?

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Blog
Blogs & publications

Inclusive finance? Not there yet…

As I reflect on my first month leading FSD Kenya, I am struck by both the challenges we face as well as the opportunities we can seize to truly create value through inclusive finance in Kenya.

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FinAccess
Blogs & publications

Inclusive Finance? Headline findings from FinAccess 2019

Kenya aims to become a middle-income country by 2030, delivering a high quality of life to all. Finance plays a central role in our economy, facilitating trade and underpinning the efficient pooling and allocation of resources and risk.

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Annual reports
Blogs & publications

2018 Annual report

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.

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Blog
Blogs & publications

What solutions would make a difference in education finance?

Education presents an opportunity for poor households to break out of the poverty cycle in future. What are some of the interventions and finance solutions that have made a difference in education finance?

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Blog
Blogs & publications

How poor households invest in their children’s future

Education is the top priority for Kenyans according to FinAccess Household Survey 2019. Poor households particularly attach high value to educating their children.

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Blog
Blogs & publications

Building livelihoods using inclusive finance for chicken farming

FSD Kenya set out to explore ways of using finance to build livelihoods of poor households in Kitui. The survey identified indigenous poultry and pulses as the agriculture value chains with the greatest opportunity for low-income households.

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Blog
Blogs & publications

Moving from financial access to inclusive finance

FinAccess 2019 was launched last week by the Governor of the Central Bank of Kenya.  The results from this national household survey provide a comprehensive and authoritative picture of the retail financial services sector in Kenya.

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Consumer insights
Blogs & publications

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.

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Blog
Blogs & publications

When pricing is live, competition will thrive

If we want truly dynamic and competitive pricing, we just need to empower consumers’ data to be the oil that lubricates a new type of marketplace.

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Blog
Blogs & publications

What is good regulation and why does it matter for finance?

When clear rules that govern the financial sector are enforced well, it ensures that both providers and consumers emerge from the market place as winners

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Blog
Blogs & publications

Towards a financial system which works for Kenya

Financial inclusion has attracted enormous interest because of its promise to provide an instrument for economic and social empowerment. Initial thinking was that simply expanding the reach of the financial sector would produce financial tools to support greater economic and social inclusion. But the results thus far have been disappointing.

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Digital finance
Blogs & publications

‘Upliftment’, friends and finance: everyday exchange repertoires and mobile money transfer in Kenya

The 2016 FinAccess household survey has been cited in a recently published academic journal. Access and view the journal article via the link below.

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Annual Lectures
Blogs & publications

4th FSD Kenya Public annual lecture 2018 – A glimpse into the future of fintech (brief)

In his delivery of the 4th FSD Kenya annual lecture on financial inclusion internationally recognised entrepreneur and business leader, Julian Kyula, discusses the world of fintech from an African continent perspective and the journey we must embark on to participate in how the digital world is changing.

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Digital finance
Blogs & publications

How is digital credit changing the lives of Kenyans?

With its launch in 2007, M-PESA changed the way Kenyans transact with each other. In doing so, impact studies found that it significantly improved the ability of social networks to help people manage shocks

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Blog
Blogs & publications

Building livelihoods: An identity perspective (Part 5)

Throughout this blog series I have examined FSD Kenya’s Building Livelihoods programme from an identity perspective. I have shown how the Hunger Safety Net Programme (HSNP) creates valued identities in the community and how there are different pathways to savings group identification and value.

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Blog
Blogs & publications

Building livelihoods: An identity perspective (Part 3)

The role of community-based facilitators (CBFs) is to encourage participation in savings groups, ensure groups function effectively, and provide training on basic financial and business skills, as well as prepare participants for formal loans.

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Blog
Blogs & publications

Building livelihoods: An identity perspective (Part 4)

Over the past two years I have travelled to Marsabit County in Northern Kenya four times to talk to the same 50 people about their lives and experiences as participants of FSD Kenya’s Building Livelihoods programme. The programme aims to help participants develop sustainable livelihoods through business.

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Blog
Blogs & publications

Building livelihoods: An identity perspective (Part 2)

Where there is already a strong value associated with savings groups, people are likely to more rapidly join, participate more fully, and exemplify what it means to be a member of the group.

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Blog
Blogs & publications

Building livelihoods: An identity perspective (Part 1)

FSD Kenya’s Building Livelihoods programme is a market-based adaptation of the Graduation approach popularised by BRAC in Bangladesh. Over a period of two years, participants shared stories about their lives and early experiences with the programme giving insight into who they are and how they think and change throughout the programme.

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Blog
Blogs & publications

Comments on the proposed regulation data protection bill

Data protection is one of the most important issues currently facing the Kenyan economy. On July 17th FSD Kenya submitted public comments to the Data Protection Bill, 2018 presented by the Senate ICT Committee.

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Blog
Blogs & publications

Data sharing models: The potential for financial innovation and the risks that must be managed

There is a range of new data sharing models emerging that could have a significant impact on financial innovation in emerging markets.

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Blog
Blogs & publications

Groundbreaking new policy and regulatory initiatives may spur more fintech innovation in Kenya

The combination of a regulatory sandbox and a one-stop-shop regulatory helpline is what the Kenyan fintech market needs to continue innovating.

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Article
Blogs & publications

Field Notes

FSD Kenya carries out research excursions across the country to obtain perspectives of ordinary Kenyans regarding finance, financial services and how the financial system has impacted their livelihoods.

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Blogs & publications
Blogs & publications

Emerging data sharing models to promote financial service innovation: global trends and their implications for emerging markets

In countries as diverse as the United Kingdom, India, and Mexico, there is momentum to increase consumers’ ability to access, manage, and control their digital identity and history.

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Blog
Blogs & publications

The story of M-Akiba: Selling Kenyan treasury bonds via mobile

On 30th June 2017, M-Akiba, a Kenyan government bond sold through the mobile phone, was launched.

After many years, the involvement of many partners and many iterations, M-Akiba, a Kenyan government bond sold through the mobile phone, was launched in 2017.

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Blog
Blogs & publications

Why is mobile money interoperability important for Kenya?

The rise of a new dawn in Kenya’s payments system

Eleven years after mobile money started in Kenya, a new dawn is rising – that of open and interoperable systems. Just as you can call people on any network in Kenya seamlessly, you can now send money across mobile money networks seamlessly.

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Blog
Blogs & publications

Tackling poverty in rural Kenya through community-owned village banks

Why FSAs are the preferred financial service providers in Kitui.

The popularity of graduation programmes as the means to ending extreme poverty is growing globally.

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Blog
Blogs & publications

Light at the end of the tunnel: building livelihoods under tough conditions

“We have been working towards this moment for a long time. With the bank loans just a few weeks away we can see the light at the end of the tunnel.” 

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Blog
Blogs & publications

Kenya’s digital credit revolution 5 years on

Digital credit has become a leading source of credit in Kenya. Who is using digital credit and what impact is it having on low-income customers?

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