Thematic areas

Consumer insights
Thematic areas

Dignity, respect, and consumer debt

Financial Sector Deepening-Kenya is proud to be a supporting partner of Dignity and Debt‘s project that involves the use of AI to marshal citizen voices about their experiences with digital credit.

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Digital finance
Thematic areas

‘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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Digital finance
Thematic areas

4th FSD Kenya Public annual lecture 2018 – Invite

The 4th FSD Kenya annual lecture on financial inclusion is set to take place on the 8th of November 2018. This year’s lecture titled, “The inevitable: a glimpse of the future of fintech” will be delivered by Julian Kyula, an accomplished entrepreneur and business leader recognized locally and internationally.

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4th FSD Kenya Public annual lecture 2018
Annual lectures
Thematic areas

4th FSD Kenya Public annual lecture 2018

Internationally recognised tech entrepreneur, Julian Kyula, was the guest speaker at the 4th FSD Kenya Annual Lecture that took place on 8th November 2018 at the Chandaria Center for Performing Arts, University of Nairobi Towers.

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Digital finance
Thematic areas

4th FSD Kenya Public annual lecture 2018 – Why Fintech matters: Reflecting on FSD Kenya’s work

For us, Fintech only matters if it is helping Kenyans solve real-world problems or seize genuine opportunities.

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Digital finance
Thematic areas

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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Digital finance
Thematic areas

4th FSD Kenya Public annual lecture 2018 – FSD Kenya unveils Julian Kyula as 2018 annual lecture speaker

FSD Kenya is pleased to announce that its 4th annual lecture on financial inclusion will be delivered by Julian Kyula on the 8th of November 2018.

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Consumer insights
Thematic areas

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
Thematic areas

Tech-enabled lending in Africa

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

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Blog
Thematic areas

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
Thematic areas

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
Thematic areas

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
Thematic areas

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
Thematic areas

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
Thematic areas

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
Thematic areas

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
Thematic areas

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
Thematic areas

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 and publications
Thematic areas

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
Thematic areas

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
Thematic areas

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
Thematic areas

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
Thematic areas

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
Thematic areas

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
Thematic areas

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
Thematic areas

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
Thematic areas

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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Blogs and publications
Thematic areas

Impact evaluation of FSD Kenya’s savings groups project

FSD Kenya commissioned Oxford Policy Management (OPM) to conduct an in-depth impact assessment of their savings groups programmes which were undertaken in collaboration with two international non-governmental organisations, CARE and Catholic Relief Services (CRS).

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Blog
Thematic areas

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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