M-Shwari

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Digital Credit – The most pressing problem in Kenyan credit markets – Really?

The focus on the potential and real risks of digital credit, while commendable, runs the risk of taking our collective eye off the wider credit market, which has a much more significant impact on Kenya’s economy.

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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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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

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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Publications

The 2nd FSD Kenya annual lecture on financial inclusion

Rafe Mazer was the speaker at the 2nd FSD Kenya annual lecture on financial inclusion. His presentation shared how we can develop our own “test and learn” – the way in which financial service providers and regulators collaborate to allow for new solutions – for consumer protection.

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Publications

The Growth of M-Shwari in Kenya – A Market Development Story

M-Shwari (meaning ‘calm’ in Kiswahili) is a combined savings and loans product launched through a collabo­ration between the Commercial Bank of Africa (CBA) and Safaricom.

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The use of M-Shwari in the jua kali sector
Consumer insights

Why M-Shwari works

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