Kenya remains a global leader in mobile money adoption, with over 80% of adults using M-Pesa or similar services. This pervasive digital infrastructure creates a fertile ground for fintech innovation.

For investors, this translates into opportunities in digital lending, insurtech, wealth management platforms, and cross-border payment solutions. Recent regulatory sandboxes by the Central Bank of Kenya (CBK) encourage experimentation, indicating a supportive environment for new entrants.

For example, ‘Safaricom Fuliza’ offers overdraft facilities, extending credit to millions and demonstrating the potential for embedded finance. Manufacturers can leverage these platforms for supply chain financing, while brands can integrate mobile payments for seamless consumer transactions, tapping into a large, digitally-savvy unbanked and underbanked population.

Country: Kenya
Generated: 2026-01-12