Digital finance

Consumer insights

Digital credit in Kenya: evidence from demand-side surveys

In the past five years, digital loans have transformed the market for credit in Kenya. For millions of adults, the possibility of borrowing from their phones has opened the door to private, formal consumer credit for the first time.

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Credit market development

Tech-enabled lending in Africa

A presentation and panel discussion by FSD Kenya on tech-enabled lending in Africa.

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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

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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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

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

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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Consumer insights

The digital credit revolution in Kenya: an assessment of market demand, 5 years on

Five years after Kenya launched the world’s first digital credit solution, the market for digital credit has expanded rapidly in Kenya and many low-income countries. But exactly how big is the market? Who’s using digital credit? And what impact is it having on low-income customers?

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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

Unlocking fintech innovation with domestic capital

n May 2017, I had the honour of being on a fascinating Euromoney panel about expanding the digital financial ecosystem. One of the many topics that we discussed was the dearth of debt financing available for fintechs and start-ups limiting the potential for scale.

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Blog

Young Money: Why Kenyan youth know everything, and nothing, about finance

Kenyans are learning about money earlier than you might think: as early as four or five they’re picking up financial lessons from their parents. By 18, almost a third have mobile money accounts.

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Dataset

M-PESA panel survey 2008-2014

In order to understand the take‐up, use, and impacts of M‐PESA in Kenya, US based Principal Investigators William Jack (Georgetown) and Tavneet Suri (MIT Sloan School of Management) conducted a set of five surveys across Kenya, starting in yearly between 2008 and 2011, with a fifth survey conducted in 2014 to look at the longer-term impacts of M-PESA.

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Blog

The use of borrowed airtime with interest in Kenya

The telecom sector in Kenya has experienced phenomenal growth over the past decade. Mobile phone penetration has topped 90%, with 78% of Kenyan adults now owning a working mobile phone.

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Blog

Four differences and five similarities of digital credit markets in Kenya and Tanzania

While both Kenya and Tanzania registered fast uptake of digital credit, a new study by FSD Kenya and CGAP with almost 8000 individuals found considerable differences as well as similarities in the adoption and use of digital credit in the two countries.

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Blog

Using non-financial services to help banks and businesses build better relationships

How the use of non-financial services can help bankers deliver effective financing.

Poor communication between entrepreneurs and their bankers is often a stumbling block in the delivery of effective financing for enterprise growth throughout the world. The use of non-financial services (NFS) can help with this.

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Blog

“The three padlocks”: Digitising the savings groups’ money box

Can digital innovations replicate the “three-padlock” concept of the money box?

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Digital finance

API best practices

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.

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The use of M-Shwari in the jua kali sector

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