Digital payments

Annual reports

2019 Annual report

The COVID-19 crisis is creating great uncertainty about what the future holds for the economy and well-being of all.

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Blog

How COVID-19 has affected digital payments to merchants in Kenya

This is clearly an unprecedented time. Over the past few months, the world has been battling the COVID-19 pandemic which has seen health systems burdened and unable to cope with the rising numbers of infected people.

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Annual reports

2018 Annual report

FSD Kenya’s work is increasingly focused on trying to help harness the on-going disruption of the sector in a way which will create real value for people.

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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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VIDEO – Through Kenyan eyes: perspectives on the value of financial services
FinAccess

VIDEO – Through Kenyan eyes: perspectives on the value of financial services

FSD Kenya has been working since 2005 to promote financial inclusion in Kenya. Kenya has made huge strides during this time with over 75% of the population having access to a formal account.

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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

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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Financial service providers

Finance and living well

Kenya’s more successful mass market financial solutions have demonstrated the importance of social values by enabling poor Kenyans to manage their money in ways that cultivate their visions of well being.

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Payments

Person-to-government (P2G) payment digitisation: Lessons from Kenya

This study was originally published by GSMA on their wesbite.

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WATCH: The 3rd FSD Kenya annual lecture
Publications

The price of being banked

This report outlines the findings from a two-year study by FSD Kenya to understand the costs for banking services in Kenya. Two rounds of mystery shopping surveys were completed in October and November of 2015 and 2016
to build a database and measure the costs for basic bundles of transactions such as opening, running and closing bank accounts.

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Article

The price of being banked

Kenya has experienced tremendous improvements in access to financial services over the last few years. However, little is known about the trends in affordability of financial services, especially for low-income earners.

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Blog

Leveraging Kenya’s informal sector for growth

Finance helps economic growth, and in turn, job creation.

Today is the first annual International Day for small and medium sized enterprises.

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Annual reports

2016 Annual report

The report gives an overview of FSD Kenya’s proposed programme of activities and major issues surrounding financial inclusion during 2016 and highlights of our initiatives.

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Payments

Reducing Costs and Scaling Up UK to Africa Remittances Through Technology

Sending money to Africa is more expensive than anywhere else in the world, according to new research due to be published at this week’s Global Remittance Conference in New York. The report argues that existing technology – like regional automated clearing houses, remittance payment processing hubs and aggregators – could all make sending money from the UK to Africa much, much cheaper.

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Blog

Financing the future

Kenyan parents know that when you invest in education, you invest in the future. But that future isn’t cheap.

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Blog

In Kenya, phones replace bank tellers

Pauline Kimari is a pharmacist in Ndaragwa, Kenya, a small town several hours’ drive north of Nairobi. She moved there from rural Muranga, several hours away, to open a small shop, Ndaragwa Joy Chemist. It is white with blue and green doors and a blue bench inside. She sells medicine and cosmetics.

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Blog

Creating value through financial inclusion: the trust element

In an effort to understand the real needs of the people, our seventh ‘Field Friday’ exercise took us to Karagita in Naivasha. We set out to gather insights on which financial services people use and which ones they trust most.

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Blog

It takes a village: Lessons from digitizing social school fees payments

Our work on the Kenya Financial Diaries made it painfully clear to us that school fees are incredibly expensive for low income families.  The lowest end public schools often ask about KSh 20,000 per year for a single student, when rural household incomes often average around KSh 6,000 per month.

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Annual Lectures

Out of Africa: notes from a visit to Kenya

I spent a week in Kenya, courtesy of Financial Sector Deepening, an initiative of a number of aid agencies, including Britain’s Department for International Development, the Swedish government, and the Gates Foundation. 

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Article

Engaging social networks for school fees payments: Lessons from an experiment in Kenya

Flexipay is a blended financing concept, designed to help low-income families meet large financing needs, like school fees.

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Annual Lectures

PICTURES: Kay and industry leaders discuss the future of finance

Just what is finance for?

On Wednesday 8th February 2017, John Kay met with 18 financial sector industry leaders to discuss this question and the future of finance in Kenya.

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Annual Lectures

Making finance serve the needs of the economy

Over 250 policymakers, industry players, regulators, lecturers, students, financial sector analysts, development practitioners and other guests gathered at the National Museum’s Louis Leakey Auditorium on Thursday 9th February 2017 for the 3rd FSD Kenya annual lecture on financial inclusion.

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Annual Lectures

Kay shares why it’s possible to have ‘too much of a good thing.’

During his delivery of the 3rd FSD Kenya annual lecture on financial inclusion, John Kay argued that the challenge for emerging economies is to avoid the mistakes of the west and to instead focus on building a financial sector that is focussed on the core needs of the non-financial economy.

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Annual Lectures

Have you booked your seat?

Leading British economist to deliver the 2017 lecture

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Welcome to the 3rd FSD Kenya annual lecture!
Annual Lectures

Welcome to the 3rd FSD Kenya annual lecture!

John Kay is a renowned British economist, and until recently, a columnist with London’s Financial Times (FT).

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Blog

The unusual dynamics of school fee payment (or non-payment) in a Kenyan school

As we trudged through Kivani Secondary School’s third term student attendance records, one absenteeism after another greeted us. Per our analysis in preparation for Focus Group Discussions (FGDs) with selected parents and guardians at the school, the average student missed about 13% of class time. I didn’t give it much thought then.

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News & events

Policy expert welcomes new era for financial sector innovation

Kenya’s annual financial inclusion lecture sets out how to protect consumers and drive growth in financial services

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