November 25th, 2025

The Capital Markets Sub-Sector Report presents insights from the 2024 FinAccess Household Survey on participation in capital markets products and services in Kenya. It examines usage trends, access channels, demographic and regional disparities, and the quality of investor experiences, with a focus on how financial health, education, income, and location influence capital market participation. 

The report finds growth in capital market usage since 2021, driven by technological advancements and increased access through digital platforms, but also reveals widening gaps by gender, wealth, and residence. Key barriers include lack of regular income, limited financial literacy, and financial constraints, while investor protection challenges weak complaint resolution persist. The findings highlight the need for targeted financial education, stronger investor protection mechanisms, improved transparency, and inclusive product development to deepen capital market participation across diverse population groups. 

Capital Markets Sub-Sector Report – Lessons from FinAccess Surveys

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