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Publications

The increasingly crowded savannah

Policymakers, academics, industry players, donors and other stakeholders gathered at the Crowne Plaza Hotel on Thursday 8th December for the 2nd FSD Kenya annual lecture on financial inclusion.

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Blog

The tea bonus: a blessing or a growing dependency? Tea farmers from Embu tell their story

This year, the price of a kilo of tea reached a five-year high. Every October, tea farmers in Kenya receive a “tea bonus”; the second lump sum payment for tea delivered to the Kenya Tea Development Authority (KTDA) during the year. The first lump sum, the “mini bonus”, is paid each April.

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Consumer insights

FinAccess 2016 financial service importance tool

Which financial services are perceived to be the most important to Kenyans, and why? This interactive heat map draws from the 2016 FinAccess household survey and displays the percentage of people using a range of financial services

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Consumer insights

FinAccess 2016 interactive segmentation tool

Who are the users of different financial products & services?

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Blog

The use of borrowed airtime with interest in Kenya

The telecom sector in Kenya has experienced phenomenal growth over the past decade. Mobile phone penetration has topped 90%, with 78% of Kenyan adults now owning a working mobile phone.

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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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Publications

Understanding how Kenyan entrepreneurs grow and finance their businesses

One of the key reasons why banks are challenged in serving SMEs appropriately, is that they lack an understanding of the evolving needs of fast growing SMEs.

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Blog

Six secrets of the self-employed

This is the second post in a three-post blog series introducing publications from our recently concluded Kenya Financial Diaries update study, conducted with BFA.

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Blog

Where are they now?

Over the next three weeks, we will be releasing three publications based on findings from the Kenya Financial Diaries Update, a follow up study with the Kenya Financial Diaries households.

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Blog

Using non-financial services to help banks and businesses build better relationships

How the use of non-financial services can help bankers deliver effective financing.

Poor communication between entrepreneurs and their bankers is often a stumbling block in the delivery of effective financing for enterprise growth throughout the world. The use of non-financial services (NFS) can help with this.

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Blog

“The three padlocks”: Digitising the savings groups’ money box

Can digital innovations replicate the “three-padlock” concept of the money box?

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FinAccess

Do central banks have a role in financial inclusion?

David Ferrand, Director of FSD Kenya, was part of a distinguished panel disucssing the role of central banks in financial inclusion at the CBK@50 symposium in Nairobi.

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Publications

Human centered design Africa toolkit

This toolkit has been designed to help you generate solutions in many different fields of interest, from agriculture, to manufacturing, to banking and new technology.

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Blog

What do people get out of gambling?

Sports gambling is an equal opportunity pleasure

Beyond the immediate rewards of 1) the euphoria of winning small amounts, and 2) the dream of one day hitting the jackpot, other motivations and benefits of participation in gambling include earning side money from sports research, increased social interaction, and, eventually, greater exposure to other features on the internet.

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Annual reports

2015 Annual report

This reports gives an overview of the major issues surrounding financial inclusion during 2015 and highlights 10 of our initiatives.

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Publications

Implications, insights and guidance on use of Open Application Programming Interfaces (APIs) by financial services providers in emerging economies

While Safaricom’s M-PESA platform stole the spotlight for being one of the world’s most transformative financial services, a somewhat hushed storm is infusing in the world of API’s in Kenya since Safaricom’s September-2015 announcement   that they have opened up their APIs to the public.

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Data visualisation

FinAccess indicators exploration tool

This tool enables users to create custom graphs and tables to view estimates of financial inclusion indicators generated from all rounds of the FinAccess household surveys

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