KSh25 Billion a Month: Kenya’s New Digital Credit Frontier, with Kevin Mutiso

Kenya has broad financial access and a rapidly expanding digital-credit market, yet only a small minority of adults are financially healthy. Kevin Mutiso, Chairman of the Digital Financial Services Association of Kenya, explains how 2022 regulation unlocked capital, larger loan sizes and specialist lending for traders and boda-boda operators. Samora and Kevin examine the long tail beyond Fuliza and M-Shwari, the data-sharing challenge behind over-indebtedness, and whether digital lenders can help borrowers graduate from short-term liquidity to growth capital.