Relevant bibliographies by topics / Fintech credit in Kenya

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Fintech credit in Kenya'

Author: Grafiati
Published: 5 June 2025
Last updated: 1 August 2025

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Journal articles on the topic "Fintech credit in Kenya"

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Dr., Arnold Wanjala Namusonge. "Fintech Credit in Kenya: The Case for Strategic Regulation." Account and Financial Management Journal 07, no. 05 (2022): 2719–31. https://doi.org/10.5281/zenodo.6516071.

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Abstract The study sought to present the case for strategic regulation in the Fintech Sector, specifically in digital credit, with reference to Kenya. This was based on the concern that the proposed regulation on Fintech Credit by the Kenyan Parliament and the Government of Kenya does not factor in the sustainability aspects of Fintech Credit businesses. The study is anchored on the Public Interest Theory, the Private Interest Theory, and the Economic Theory of Regulation. The study adopted desk research, which depended on the review and examination of primary data sources such as legislation,
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Josphat, Njoroge Kabui, and Tirimba Ondabu Ibrahim. "Navigating Risk: A Deep Dive into Credit Risk Management Practices and Loan Performance in Kenya's Fintech Frontier." Journal of Economics, Finance and Management Studies 07, no. 01 (2024): 183–201. https://doi.org/10.5281/zenodo.10494963.

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This study aimed at evaluating how credit risk management practices affect the loan performance of Fintech companies in Kenya. In particular, the study determined how credit terms, credit analysis, and credit mitigation affected loan performance. The research design used for the study was descriptive with the responders being credit officers from the Fintech companies in Kenya. Descriptive and inferential statistics were used to examine the information gathered from 62 Fintech companies through a primary data study that relied on questionnaires for data collection. Data collected was analyzed
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Wangondu, Wanja, and Stephen Muathe. "FINTECH STARTUPS: CAN THE FINTECH BOOM ADDRESS THE MSMES FINANCE GAP IN KENYA." International Journal of Social Science and Economic Research 08, no. 04 (2023): 686–97. http://dx.doi.org/10.46609/ijsser.2023.v08i04.009.

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MSMEs are considered the backbone of the Kenyan economy. However, they are considered too risk by financial institutions. With the emergence and growth of Fintech in the country Fintech is becoming more attractive to MSMEs as a source of credit, this is causing panic among the financial institutions. The purpose of this study was to analyze the effect of Fintech boom on mitigating of the Financial Gap among MSMEs in Kenya. The study was anchored on Constraint-Induced Financial Innovation Theory, Diffusion of Innovations Theory, and Traditional Theory of Financial Innovation. A desktop analysis
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Bhagat, Ali, and Leanne Roderick. "Banking on refugees: Racialized expropriation in the fintech era." Environment and Planning A: Economy and Space 52, no. 8 (2020): 1498–515. http://dx.doi.org/10.1177/0308518x20904070.

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Fintech and digital financial services involve the delivery of financial products and services through technology. Fintech companies are part of a financial lending infrastructure claiming to offer an alternative to ‘big banks’, and are often touted as digitally disruptive technology that is rapidly reshaping financial inclusion agendas and improving the lives of the poor. For many refugees living in camps and informal settlements in Kenya, fintech is often the only viable option for credit or microfinance aid. While refugees are often excluded from credit, the spread of fintech as a solution
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Olanrele, Iyabo. "Fintech Services and Entrepreneurship in Africa." Finance & Economics Review 7, no. 1 (2025): 1–12. https://doi.org/10.38157/fer.v7i1.651.

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Purpose: This paper examines the effect of fintech on entrepreneurship to ascertain the role of financial technology services on individual entrepreneurial intention in five sub-Saharan African countries. Methods: The analysis was based on an extended probit model to determine the country-specific effect of mobile money account ownership (Fin) on individuals who used fintech services to start a business (Ent) as a measure of entrepreneurship. The impact of other control variables (X) such as credit access, education, and labor force participation on entrepreneurship (Ent) was also considered.
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David, Bwire J., and Makau S. Muathe. "Rethinking Technological Innovations Strategies: Challenges and Insights in the Performance of Micro, Small and Medium Enterprises in Kenya." International Journal of Economics and Finance 17, no. 7 (2025): 28. https://doi.org/10.5539/ijef.v17n7p28.

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Micro, Small, and Medium Enterprises (MSMEs) in Kenya, totaling 7.4 million, are crucial for socio-economic development and job creation. However, they face significant challenges due to inadequate access to digital services, especially fintech platforms. This study explored how the ease of accessing digital credit, its associated costs, information availability, and the regulatory landscape influence MSME growth in Uasin Gishu County, Kenya. Using an explanatory research design with simple and stratified random sampling, 121 top-level managers or owners were selected. Primary data was collect
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Bamidele Micheal Omowole, Oghenekome Urefe, Chukwunweike Mokogwu, and Somto Emmanuel Ewim. "The role of Fintech-enabled microfinance in SME growth and economic resilience: Case studies and lessons learned." Finance & Accounting Research Journal 6, no. 11 (2024): 2134–46. http://dx.doi.org/10.51594/farj.v6i11.1727.

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Small and medium-sized enterprises (SMEs) are crucial drivers of economic growth, employment, and innovation, particularly in emerging economies. However, many SMEs face significant barriers in accessing traditional financial services, which limits their growth potential and economic resilience. Fintech-enabled microfinance has emerged as a transformative solution, leveraging technology to increase accessibility, affordability, and flexibility of financial services for SMEs. This review explores the role of fintech-driven microfinance in fostering SME growth and resilience, drawing insights fr
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Ngigi, Eva. "Safaricom Limited’s Mobile Money Services and Access to Trade Credit by Microenterprises in Nairobi City County Kenya." Journal of Finance and Accounting 6, no. 4 (2022): 58–82. http://dx.doi.org/10.53819/81018102t4089.

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The purpose of this study was to determine the impact of mobile money services on access to trade credit by microenterprises in Kamukunji market, Nairobi City County, Kenya. The specific objectives of the study were; to assess whether digital payment-buy goods application (till number), saving and loan product (mshwari), mpesa for business application, pochi la biashara application have influence on access to trade credit by microenterprises in Kamukunji market. The study was guided by; Technology Acceptance theory, Unified Theory of Acceptance and use of technology, Diffusion innovation Theor
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Arthur, Emmanuel Kwesi, Salome Mwongeli Musau, and Festus Mithi Wanjohi. "Remittances through formal and alternative channels and its effect on financial inclusion in Kenya." International Journal of Research in Business and Social Science (2147- 4478) 9, no. 7 (2020): 144–49. http://dx.doi.org/10.20525/ijrbs.v9i7.956.

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In the current dynamic world, those with no or little access to key financial products and services suffer a great deal of disservice. This study examines the effect of remittance channels (commercial banks and alternative sources) have on financial inclusion and then check the moderating effect of money remittance regulation on the relationship between the remittance channels and financial inclusion in Kenya. It uses the World Bank and Central Bank of Kenya’s dataset on remittances and financial inclusion covering the period from 2009 to 2018. We estimate our model using the Ordinary Least Sq
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Dzreke, Simon Suwanzy, and Semefa Elikplim Dzreke. "Double discrimination: Algorithmic amplification of gender bias in African fintech credit scoring—a 10-algorithm audit reveals 37% underfunding penalty against women-led SMEs." Advanced Research Journal 8, no. 1 (2025): 58–81. https://doi.org/10.71350/3062192576.

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African women-run small and medium-sized companies (SMEs) need $42 billion more in capital each year. Even if they pay back their loans just as well as male-led enterprises, women may only access 7% of formal credit. This is the first research to look at gender bias in African fintech lending algorithms in depth. It achieves this by using both gender entrepreneurship theory and algorithmic fairness indicators. It analyzes 10 standard credit scoring models from conventional banks and fintechs in Nigeria, Kenya, and South Africa using 1,200 synthetic SME profiles that have the same financial fun
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Dissertations / Theses on the topic "Fintech credit in Kenya"

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Atabey, Elif <1993&gt. "FinTech in Credit Rating Agencies: Evolutionary or Revolutionary?" Master's Degree Thesis, Università Ca' Foscari Venezia, 2021. http://hdl.handle.net/10579/19619.

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CRAs became even more critical in the global financial market since their judgment has a significant impact on the outlook of the rated entities, which can be countries, institutions or companies. The combination of finance and technology resulted a concept which is known as Financial Technologies (FinTech). FinTech drove and encouraged financial institutions to change and differentiate the way of providing their services. In this thesis, the primary focus is to explore the impact of FinTech on CRAs. Given the importance of CRAs, exposing many criticisms about their credibility and secrecy ab
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Tang, Huan. "Trois essais sur des technologies financières (Fintech)." Electronic Thesis or Diss., Jouy-en Josas, HEC, 2020. http://www.theses.fr/2020EHEC0012.

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Cette thèse se compose de trois chapitres et étudie les avantages et coûts des technologies financières (FinTech) pour les consommateurs et les entreprises. Dans le premier chapitre, j’étudie si les plateformes de prêt peer-to-peer (P2P) se substituent aux banques ou les complémentent sur le marché du crédit à la consommation. Je développe un cadre conceptuel dont je dérive des prédictions empiriques qui distinguent ces deux hypothèses. En utilisant un changement réglementaire comme un choc exogène sur l'offre de crédit bancaire, je trouve que le prêt P2P est un substitut au prêt bancaire en t
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Sebuharara, Ruzima C. "Financial liberalization and transmission of monetary policy in developing countries the cases of Ghana and Kenya /." Diss., Online access via UMI:, 2005.

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Mbogo, David K. "Explaining use or non-use of farm credit by small scale farmers in the Nyeri district of Kenya /." This resource online, 1991. http://scholar.lib.vt.edu/theses/available/etd-01202010-020305/.

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Waweru, Gabriel. "An assessment of the financial sustainability of savings and credit cooperative societies in Kenya." Doctoral thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/28115.

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Savings and Credit Cooperative Societies (SACCOs) are voluntary associations of people with the common goal of encouraging savings and granting credit to members as a means to their economic improvement. For a long period of time, SACCOs have been seen as a way of ensuring savings and investments, especially by the middle and lower economic classes. In Kenya, these institutions have managed to accumulate funds running into billions of shillings, and many members have benefited from them. However, in the last few years, many of these institutions have experienced serious financial challenges th
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Scaravonatto, Maicon. "Coopetição entre cooperativas de crédito e fintechs: construindo os fatores de cooperação por meio da grounded theory." Universidade do Vale do Rio dos Sinos, 2018. http://www.repositorio.jesuita.org.br/handle/UNISINOS/7466.

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Submitted by JOSIANE SANTOS DE OLIVEIRA (josianeso) on 2018-12-17T15:27:44Z No. of bitstreams: 1 Maicon Scaravonatto_.pdf: 1009062 bytes, checksum: 8eab20c186575fcca78827da5746453e (MD5)<br>Made available in DSpace on 2018-12-17T15:27:44Z (GMT). No. of bitstreams: 1 Maicon Scaravonatto_.pdf: 1009062 bytes, checksum: 8eab20c186575fcca78827da5746453e (MD5) Previous issue date: 2018-08-24<br>UNISINOS - Universidade do Vale do Rio dos Sinos<br>O mercado de serviços financeiros vem sofrendo mudanças com o surgimento das novas empresas enxutas (startups). O modelo de atuação e inovação dessas
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Shipton, P. M. "Land, credit and crop transitions in Kenya : the Luo response to directed development in Nyanza Province." Thesis, University of Cambridge, 1985. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.355031.

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Vlok, Stephen Raymond. "Developing a methodology for the qualitative and quantitative credit analysis of banks in Kenya and Nigeria from a South African perspective." Master's thesis, University of Cape Town, 2009. http://hdl.handle.net/11427/10798.

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Includes abstract.<br>Includes bibliographical references (leaves 105-108).<br>This study presents research on credit risk assessment in emerging market countries with particular emphasis on the Kenyan and Nigerian markets. Using prior emerging market research, information from credit rating agencies and information gained from a country visit, a revised methodology is devised. Using this methodology, the individual banks scores are in line with the expectations of how they would rank relative to each other in terms of qualitative and quantitative factors.
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Mariz, Frederic Auguste Arnaud Rozeira de Sampaio. "Financial inclusion and electronic payments: explaining electronic payments in Brazil with principal components analysis and Sarimax models." Universidade de São Paulo, 2017. http://www.teses.usp.br/teses/disponiveis/12/12139/tde-19012018-181138/.

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Financial inclusion is a public policy objective that fosters development through access to financial services for all. Financial inclusion can be defined as access, usage and quality of financial services. Inclusion of individuals and small enterprises has made considerable progress but it has also reached excesses in some situations. Regulatory changes and technological innovation have helped the expansion of financial services. Our contribution to the literature is threefold. First, we expand the large body of research that focuses on financial inclusion based on access to credit, through o
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Becerra, Albiño Erick Hair, and Yacolca Johela Clarisa Ramírez. "Acceso al crédito de las Mype." Bachelor's thesis, Universidad Peruana de Ciencias Aplicadas (UPC), 2020. http://hdl.handle.net/10757/656039.

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Esta investigación presenta las diversas perspectivas que se han establecido en la academia respecto al financiamiento de las mype, considerando la importancia de las decisiones financieras, basadas en variables como al género, la edad-tamaño y las condiciones del crédito. Se identifican los factores que tienen mayor influencia para el acceso al crédito, como son los actores sociales, quienes vinculan la acción social y ambiental para lograr la sostenibilidad; el ciclo de vida de la empresa, que permite la identificación de actividades estratégicas para solicitar el financiamiento idóneo; el c
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Books on the topic "Fintech credit in Kenya"

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Ahmed, Rashid. Kenya Credit Providers Association: Roadmap 2010-2015. FSD Kenya, 2010.

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Raikes, Philip Lawrence. Savings and credit in Kisii, western Kenya. Centre for Development Research, 1988.

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Raikes, Philip Lawrence. Credit savings in rural Kenya: An example from Kisii. Institute for Development Studies, University of Nairobi, 1989.

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Grosh, Barbara. Performance of development finance institutions in Kenya, 1964-89. Institute for Development Studies, University of Nairobi, 1987.

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Alila, Patrick O. Informal and formal credit in rural Kenya: A case of western Kenya grassroots borrowing and lending in an institutional development perspective. Institute for Development Studies, University of Nairobi, 1992.

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Kibaara, Betty. Rural financial services in Kenya: What is working and why? Tegemeo Institute of Agricultural Policy and Development, 2008.

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Kibaara, Betty. Rural financial services in Kenya: What is working and why? Tegemeo Institute of Agricultural Policy and Development, 2008.

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Cooperative Housing Foundation (U.S.). Financing housing through savings and credit cooperative societies in Kenya. Office of Housing and Urban Programs, U.S. Agency for International Development, 1989.

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Kenya, FSD, and Microfinance Risk Management (Firm), eds. The potential for credit scoring for SME lending in Kenya. FSD Kenya, 2008.

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Oketch, Henry Oloo. Microenterprise credit, employment, incomes, and output: Some evidence from Kenya. Kenya Rural Enterprise Programme, 1991.

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Book chapters on the topic "Fintech credit in Kenya"

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Velasco, Christian. "From Commercial Banks to Fintech." In Commercial Banking in Kenya. Routledge, 2024. http://dx.doi.org/10.4324/9781032658667-7.

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Wang, Qian. "Fintech and Excess Commercial Credit Supply." In Advances in Economics, Business and Management Research. Atlantis Press International BV, 2024. http://dx.doi.org/10.2991/978-94-6463-538-6_38.

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Gatauwa, James M., Moses O. Aluoch, and David C. Adhing'a. "Fintech Services and Corporate Sustainability in Commercial Banks in Kenya." In The Adoption of Fintech. Productivity Press, 2024. http://dx.doi.org/10.4324/9781032644165-8.

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Baselga-Pascual, Laura, Nebojsa Dimic, and Emilia Vähämaa. "Corporate Social Responsibility and Bank Credit Ratings." In Green Finance Instruments, FinTech, and Investment Strategies. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-29031-2_3.

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Aboojafari, Roohallah, and Mahdi Dehghani. "Fintech approach to assessing innovative SMEs' credit risk." In Innovative Finance for Technological Progress. Routledge, 2022. http://dx.doi.org/10.4324/9781003220220-18.

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Rijal, Pravesh. "Fintech Catalyst in the Evolution of Credit Markets." In The Palgrave Handbook of FinTech in Africa and Middle East. Springer Nature Singapore, 2024. http://dx.doi.org/10.1007/978-981-97-1998-3_2-1.

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Rijal, Pravesh. "Fintech Catalyst in the Evolution of Credit Markets." In Reference Works in Business and Management. Springer Nature Singapore, 2025. https://doi.org/10.1007/978-981-96-6143-5_2.

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Thiele, Markus, and Harro Dittmar. "Internal Credit Risk Models with Machine Learning." In The Impact of Digital Transformation and FinTech on the Finance Professional. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-23719-6_10.

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Pasquale, Frank. "Humans Judged by Machines: The Rise of Artificial Intelligence in Finance, Insurance, and Real Estate." In Robotics, AI, and Humanity. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-54173-6_10.

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AbstractThere are opportunities but also worrisome trends as AI is applied in finance, insurance, and real estate. In these domains, persons are increasingly assessed and judged by machines. The financial technology (Fintech) landscape ranges from automation of office procedures, to new approaches for storing and transferring value, to the granting of credit. The Fintech landscape can be separated into “incrementalist Fintech” and “futurist Fintech.” Incrementalist Fintech uses data, algorithms, and software to complement professionals who perform traditional tasks of existing financial instit
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Le, Tuan, Tan Pham, and Son Dao. "Using Machine Learning to Predict the Defaults of Credit Card Clients." In Fintech with Artificial Intelligence, Big Data, and Blockchain. Springer Singapore, 2021. http://dx.doi.org/10.1007/978-981-33-6137-9_4.

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Conference papers on the topic "Fintech credit in Kenya"

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ZENGIN, Bekir. "Trends in Transition: Fintech Credit Effects on Romanian Bank Stability." In The International Conference on Economics and Social Sciences. Editura ASE, 2024. http://dx.doi.org/10.24818/icess/2024/056.

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This research aims to look into the link between fintech lending and bank stability. In order to establish how fintech lending influences the stability of banks in Romania, regression analysis was performed for the timeframe 2017-2020. In this sense, indicators pertaining to fintech lending, Z-scores, and liquidity were used in the research. The findings of the study underline that improvements in fintech lending impact in a negative way the bank's Z-score. Given the altered competition between organisations in Romania, bank stability might have been threatened by an increase in fintech lendin
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Dedinský, Juraj. "Fintech and Big Tech As the New Credit Provider." In EDAMBA 2021 : 24th International Scientific Conference for Doctoral Students and Post-Doctoral Scholars. University of Economics in Bratislava, 2022. http://dx.doi.org/10.53465/edamba.2021.9788022549301.82-91.

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The change that new technologies will bring to the banking sector can take many forms. Some of these can be already seen in the field of payments, various types of investments but also loans for retail clients and small companies. On one hand, current banks could continue to dominate by providing additional benefits to customers through improvements enabled by technological innovation. On the other hand, current banks may find themselves in a customer battle with new, more agile market participants, who are faster in adopting innovations that meet clients' needs. These developments have the po
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Lacruz, Francisco, and Jafar Saniie. "Applications of Machine Learning in Fintech Credit Card Fraud Detection." In 2021 IEEE International Conference on Electro Information Technology (EIT). IEEE, 2021. http://dx.doi.org/10.1109/eit51626.2021.9491903.

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HÎRBU, EDUARD, and ANA HÎRBU. "RATING OF EMERGING G22 COUNTRIES ACCORDING TO THE INDEX OF TRADITIONAL FINANCIAL INCLUSION AND FINTECH." In COMPETITIVENESS AND INNOVATION IN THE KNOWLEDGE ECONOMY. Editura ASE, 2025. https://doi.org/10.24818/cike2024.51.

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Assessing the financial inclusion of countries must take into account both traditional methods and fintech innovations. They provide a complete picture of people’s access to and use of financial services, contributing to economic development and reducing inequalities. While traditional financial inclusion refers to access to and use of conventional financial services such as bank accounts, credit and insurance, fintech-based financial inclusion targets financial technologies that have revolutionized access to financial services, especially in regions where traditional banking infrastructure is
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Banka, Sujatha, Bhavya Kanchanapalli, Nafeesa Khaisar Shaik, Khyathi Dasari, Donepudi Poojitha, and Akshitha Nalla. "Securing Fintech: A Machine Learning Approach for Credit Card Fraud Detection." In 2024 International Conference on Cognitive Robotics and Intelligent Systems (ICC - ROBINS). IEEE, 2024. http://dx.doi.org/10.1109/icc-robins60238.2024.10533901.

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Wei, Yifan. "OLS Regression Analysis Based on Fintech Industry Development and Bank Credit Risk." In Proceedings of the 4th Management Science Informatization and Economic Innovation Development Conference, MSIEID 2022, December 9-11, 2022, Chongqing, China. EAI, 2023. http://dx.doi.org/10.4108/eai.9-12-2022.2327619.

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A, Senthil Kumar, Praveen K, Kandavel N, and C. U. Shyaam Sundar. "Defending FinTech: A Novel Approach to Credit Card Validation using Binary Pattern Features in Machine Learning." In 2023 International Conference on Data Science, Agents & Artificial Intelligence (ICDSAAI). IEEE, 2023. http://dx.doi.org/10.1109/icdsaai59313.2023.10452530.

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Demajo, Lara Marie, Vince Vella, and Alexiei Dingli. "Explainable AI for Interpretable Credit Scoring." In 10th International Conference on Advances in Computing and Information Technology (ACITY 2020). AIRCC Publishing Corporation, 2020. http://dx.doi.org/10.5121/csit.2020.101516.

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With the ever-growing achievements in Artificial Intelligence (AI) and the recent boosted enthusiasm in Financial Technology (FinTech), applications such as credit scoring have gained substantial academic interest. Credit scoring helps financial experts make better decisions regarding whether or not to accept a loan application, such that loans with a high probability of default are not accepted. Apart from the noisy and highly imbalanced data challenges faced by such credit scoring models, recent regulations such as the `right to explanation' introduced by the General Data Protection Regulati
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Pratuzaitė, Greta, and Nijolė Maknickienė. "Investigation of credit cards fraud detection by using deep learning and classification algorithms." In 11th International Scientific Conference „Business and Management 2020“. VGTU Technika, 2020. http://dx.doi.org/10.3846/bm.2020.558.

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Criminal financial behaviour is a problem for both banks and newly created fintech companies. Credit card fraud detection becomes a challenge for any such company. The aim of this paper is to com-pare ability to detect credit card fraud by four algorithmic methods: Generalized method of moments, K-nearest neighbour, Naive Bayes classification and Deep learning. The deep learning algorithm has been tuned to select key parameters so that fraud detection accuracy is the best. Five recognition accuracy parameters and a cost calcualtions showed that the deep learning algorithm is the best fraud det
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Li, Menghan. "Research on the Construction of Fintech Information Sharing System and Credit Evaluation Method Based on Internet Platform." In 2022 IEEE Asia-Pacific Conference on Image Processing, Electronics and Computers (IPEC). IEEE, 2022. http://dx.doi.org/10.1109/ipec54454.2022.9777417.

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Reports on the topic "Fintech credit in Kenya"

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Chioda, Laura, Paul Gertler, Sean Higgins, and Paolina Medina. FinTech Lending to Borrowers with No Credit History. National Bureau of Economic Research, 2024. https://doi.org/10.3386/w33208.

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Finkelstein-Shapiro, Alan, Federico S. Mandelman, and Victoria Nuguer. Fintech Entry, Firm Financial Inclusion, and Macroeconomic Dynamics in Emerging Economies. Inter-American Development Bank, 2022. http://dx.doi.org/10.18235/0003918.

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Financial inclusion is strikingly low in emerging economies. In only a few years, financial technologies (fintech) have led to a dramatic expansion in the number of non-traditional credit intermediaries, but the macroeconomic and credit-market implications of this rapid growth of fintech are not known. We build a model with a traditional banking system and endogenous fintech intermediary creation and find that greater fintech entry delivers positive long-term effects on aggregate output and consumption. However, greater entry bolsters aggregate firm financial inclusion only if it stems from lo
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Wang, Jialan. To Pay or Autopay? Fintech Innovation and Credit Card Payments. National Bureau of Economic Research, 2024. http://dx.doi.org/10.3386/w32332.

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Bharadwaj, Prashant, William Jack, and Tavneet Suri. Fintech and Household Resilience to Shocks: Evidence from Digital Loans in Kenya. National Bureau of Economic Research, 2019. http://dx.doi.org/10.3386/w25604.

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Jack, William, Michael Kremer, Joost de Laat, and Tavneet Suri. Borrowing Requirements, Credit Access, and Adverse Selection: Evidence from Kenya. National Bureau of Economic Research, 2016. http://dx.doi.org/10.3386/w22686.

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Cunha e Melo, Mariana, and Jonas de Abreu Castro. Regulation and competition: The case of the Brazilian fintech ecosystem. Center for Technology and Public Interest, SL, 2023. http://dx.doi.org/10.59262/fgyy58.

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Events such as the failure and rescue of Credit Suisse and the fallout of Silicon Valley Bank re-surfaces the old saying that prudential regulators should always favor banking concentration to improve financial stability, putting monetary authorities in opposition to competition authorities. In this paper, we want to switch gears and propose a framework to analyze monetary authorities' role in fostering competition. Then, we go through the case study of Brazil's financial system regulators and compare them with Brazil's competition authority's role and the importance of inter-agency cooperatio
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Shee, Apurba, and Liangzhi You. Uptake and evaluation of innovative insurance embedded credit for promoting resilience and livelihoods for smallholder in Kenya. International Initiative for Impact Evaluation (3ie), 2020. http://dx.doi.org/10.23846/tw13fe15.

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Macdonald, Kier. Financing for Micro, Small, and Medium-sized Enterprises in Kenya. Institute of Development Studies, 2025. https://doi.org/10.19088/k4dd.2025.006.

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This rapid evidence review assesses the recent academic and grey literature on the topic of financing for micro, small and medium-sized enterprises (MSMEs) in Kenya . The literature reveals a dearth of highly-cited papers on the topic, and while there are a number of studies which are positive on the effectiveness of different types of financing on the performance of MSMEs, there is scope for further literature which engage with the potential risks or problems associated with different financing methods. The literature demonstrates that the landscape for MSME financing in Kenya is relatively f
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Diouf, Awa, Marco Carreras, and Fabrizio Santoro. Taxing Mobile Money in Kenya: Impact on Financial Inclusion. Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.039.

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Financial inclusion – where individuals and businesses have access to useful and affordable financial products and services that meet their needs, delivered in a responsible and sustainable way – is a critical component of economic development. It is particularly important in sub-Saharan Africa (SSA), where there can be little traditional banking infrastructure. The success of M-PESA in Kenya shows that mobile money is helping financial inclusion in the region. Those in rural or underserved areas can use mobile money to access basic financial services – savings, payments, and credit – through
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Cetorelli, Nicola, Gonzalo Cisternas, and Asani Sarkar. Coexistence of Banks and Non-Banks: Intermediation Functions and Strategies. Federal Reserve Bank of New York, 2025. https://doi.org/10.59576/sr.1145.

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What is the essence of non-bank financial intermediation? How does it emerge and interact with intermediation performed by banks? To investigate these questions, we develop a model-based survey: we classify existing models into different intermediation functions á la Merton (1995) to show that variations of them admit a common modeling structure; then, we extend or reinterpret the resulting models to connect equilibrium strategies to non-bank activities in practice. Particular emphasis is placed on the coexistence of banks and non-banks: how their competition, or the extent of cooperation thro
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