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? FSD-Kenya, in partnership with the Central Bank of Kenya (CBK), Kenya National Bureau of Statistics (KNBS) and CGAP conducted a nationally representative phone survey with 3150 Kenyans to measure the size of the market and the key characteristics of the customer base. The sample was selected from a random pool of respondents who participated to the Finaccess 2016 survey, and can be considered representative of Kenyan adult phone owners (18+); these represent approximately 77.5% of all adults. The fieldwork was conducted by IPSOS in mid-2017, and a set of survey weights was developed by the Kenya National Bureau of Statistics to reflect the population of phone owners in Kenya. A similar survey was conducted by CGAP in Tanzania and a comparative analysis between Kenya/Tanzania was produced.