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Blog

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

‘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

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

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

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

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

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

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

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

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

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

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

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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Consumer insights

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

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

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

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

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

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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Blog

What can financial providers learn from chamas?

Why informal financial groups fundamentally embody key features of how Kenyans want their money to work to help them live well

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Blog

Beyond big data: how can we learn more about our clients?

The financial services for the poor, or more specifically financial inclusion, industry has realised in the recent past that more and better information about its target client-base is essential to delivering services effectively.

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Blog

Who’s getting financial inclusion funding in Sub-Saharan Africa?

For the first time in over a decade, Sub-Saharan Africa is a top priority for international funders investing in financial inclusion, with 30 percent of all active projects focused on the region.

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Blog

Design that can be understood by almost everyone: the case of IKEA and seed insurance

“…fintech innovations need to be more inclusive, easier to use, and designers should work harder to provide greater consumer protection and empowerment.”

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Blog

What do Kenyans really want from financial service providers?

Insights into the social value of financial services

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Blog

Women, men and youth and the adoption of mobile money in Kenya

Today, mobile money has managed to penetrate over 70% of the Kenyan population, with more people claiming access to services such as Safaricom’s M-Pesa than ever before.

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Digital finance

The gender and age dimensions of mobile money adoption in Kenya

Up until now studies concerning mobile money and financial inclusion have focused largely on aggregate adoption rates and usage trends. Few have shed light on the ways in which women, men and young adults (men and women ages 18-25), use mobile money differently.

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Blog

Why disruptive innovation in the financial sector can benefit poor people

Meaningful financial solutions can help poor people manage day to day, deal with risk and invest in the future.

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Blog

Building a better compass: Creating financial inclusion measures that are allied with people and their well-being, Part 2

The last blog in this series argued that using formal account access as the primary yardstick for progress in financial inclusion is a poor navigational tool for stakeholders working to strengthen the link between financial systems and the well-being of populations.

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Blog

Building a better compass: creating financial inclusion measures that are allied with people and their well-being, Part 1

Open a report on – or read the mandate of an organization working in – financial inclusion and chances are that in the introductory paragraph you’ll read a variation of a single sentence that motivates the whole endeavor: “Worldwide, more than 2 billion adults do not have access to an account at a formal financial institution”.

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Blog

10 Things You didn’t know about Financial Access

Financial access is accelerating

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