Financial Literacy

The Central Bank of Kenya (CBK) regulates financial institutions, including banks that provide payroll-based lending products. Its oversight extends to salary

In Kenya, where more than 80% of the population depends on informal or semi-formal employment, Salary Advances have long served as

As of 2025, more than a quarter of Kenyans, about 32%, have borrowed through digital lending platforms. For many, especially urban

Loan Apps in Kenya have become one of the most popular ways for individuals to access credit, especially for those excluded

Kenya’s digital lending landscape has grown dramatically since the launch of M-Shwari in 2012, reshaping how people access credit. What was

In Kenya, access to credit has long been limited by traditional lending systems that rely heavily on collateral, payslips, and established

Kenya’s gig economy has grown rapidly over the past decade, driven by rising smartphone penetration and persistent urban youth unemployment. By

Kenya’s digital lending sector has grown rapidly since the mid-2010s, fueled by mobile penetration and smartphone adoption. Loan apps such as