Financial Inclusion in Action

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How Smart are Smartphone Lending Apps in Kenya?

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The mobile digital credit revolution in Kenya has attracted many fintechs offering loans via smartphones. Smartphone-based products have been touted for their potential to improve the user experience for digital financial services, particularly among low literacy customers. However, the Consultative Group to Assist the Poor (CGAP) finds that in India existing interfaces fail to realise… Continue reading

Two More Revolutions Underway in Kenya

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It is first quarter results and investors briefing season in Kenya, providing a chance to see how the market is evolving. And for the country’s leading financial services players, that evolution has been a profitable one. But behind the celebration of M-PESA’s remarkable payments revolution, and the continued growth of M-Shwari’s mobile banking services, there are two other important… Continue reading

Disruption is Simmering in Kenya

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Something disruptive has been simmering for some time now in Kenya’s rapidly evolving digital finance market. M-PESA the lauded and the most successful mobile money offering in the world has started to feel it too. At the core of the disruption is the “Thin-SIM”, a decade old technological innovation from China.  M-PESA – The Benchmark… Continue reading