Report
DFS Use Among Digital Kenyans
Insights Built on Privacy
With the support of
The digital financial services sector is seeing phenomenal innovation and growth worldwide. And the epicenter of it all arguably remains in Kenya, where deep penetration and early cultural acceptance of M-PESA has led to a pioneering market for digital financial services. As both consumers and service providers become more sophisticated in their offerings, new innovations in instant credit, micro-insurance, and savings are taking root. Understanding Kenya, therefore, helps to understand the near future of DFS in similar markets worldwide.
This research delivers new forms of behavioral insights on the activity of digitally connected Kenyans, using anonymous, device-level data to see transactional activity in the context of the digital ecosystem. Unlike studies relying on self-reporting, this data comes directly from log files on the device, and as such represent actual behaviors captured in the context of an individual’s day-to-day life. Intended for practitioners, investors, and donors, these insights complement surveys and other self-reported research studies with actual behavioral data.
Contributors Dr. Jonathan Donner, Bryan Pon, Will Croft
Date
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This work is licensed under CC BY-NC-SA 4.0. 
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