Key Concepts Every New Crypto User Should Know
Cryptocurrency operates through a decentralized network of computers that uses blockchain technology to record transactions securely and transparently. Transactions are grouped into blocks, which are verified by the network using consensus mechanisms such as proof-of-work or proof-of-stake. Once a block is verified, it is added to the blockchain, creating a permanent and unchangeable record of […]
How Cryptocurrency Differs from Traditional Money
The total crypto market cap crossed the $4 trillion threshold for the first time in 2025, marking the industry’s broad progress. The number of crypto mobile wallet users also reached all-time highs, up 20% from last year. Traditional financial institutions and major corporations have significantly increased their involvement in crypto. The launch and success of […]
Kenyan Banks Record Asset and Profit Growth in Q3 2025 Amid Non-Interest Income Decline
Eight Kenyan banks posted growth in total assets during the third quarter of 2025, with I&M Group leading the surge at 12.7%, reaching KES 640 billion. KCB’s assets rose 2.6% to KES 2.04 trillion, Diamond Trust Bank increased 8.7% to KES 641.7 billion, Stanbic Bank Kenya grew 3% to KES 476.2 billion, Sidian Bank surged […]
Why Digital Assets Are Gaining Global Attention
Digital assets are drawing increasing global interest as usage rises, regulatory clarity improves, and institutions integrate cryptocurrencies into mainstream financial systems. The growth of digital assets has accelerated over the past two years, supported by everyday utility, investment demand, and advances in blockchain-based services. Global cryptocurrency ownership reached an estimated 12.4% to 15% of internet-connected […]
How Relationship Banking Can Improve Your Borrowing Options
Relationship banking in Kenya is expanding as banks move away from rigid, transactional lending and focus more on long-term engagement. The approach is quickly gaining traction among individuals, small businesses, and rural entrepreneurs who often struggle to meet traditional loan requirements. It strengthens trust through continuous interaction, personal support, and a deeper understanding of how […]
M-Kopa Hits Back at Chad Larson as Share Dispute Intensifies
M-Kopa has pushed back against claims by its co-founder and former CFO Chad Larson, deepening a dispute over the company’s valuation and the pricing of M-Kopa employee shares. The confrontation comes as Sumitomo Corporation moves to increase its stake in the asset financier, a development M-Kopa says is being disrupted by what it describes as […]
How to Plan Repayments When You Have Multiple Mobile Loans
Managing mobile loans from apps in Kenya has become part of everyday financial life, especially with easy access to instant credit through M-Pesa. These loans offer quick cash but often come with monthly interest rates of 15–30%. Handling several at once without a clear plan can lead to late payments, aggressive follow-ups, CRB listings, and […]
How to Negotiate Better Loan Terms with a Weak Credit Profile
A weak credit profile in Kenya, often defined as a CRB score below 400, limits access to affordable credit and pushes lenders to classify borrowers as high-risk. This usually leads to higher interest rates, restricted loan limits, or a shift toward secured facilities only. Yet many Kenyans still need loans for business, school fees, medical […]
How to Manage Debt Collection Calls in Kenya
Debt collection calls can be stressful, especially when you’re unsure of what to say or how to respond. In Kenya, these calls are regulated by strong consumer protection laws that prevent harassment and ensure debt recovery is handled ethically. Knowing your rights and following the right steps makes it easier to manage debt collection calls, […]
How to Use Mobile Loan Apps Without Hurting Your Credit Score
Mobile loan apps have become an essential part of everyday financial life in Kenya. Platforms such as M-Shwari, Tala, Branch, Fuliza, and Zenka have revolutionized access to quick cash, disbursing billions of shillings each year through M-Pesa. These loan apps use alternative data, such as airtime usage, M-Pesa transaction patterns, and savings history, to evaluate […]