How to make mobile money and digital financial services work for consumers: lessons from Kenya
Sommer, Christoph / Albert Nsengumuremyi / Anna Mader / Oliver Mußhoff (2025)
Policy Brief 10/2025
Kenya is a frontrunner in digital financial inclusion—but overindebtedness, low financial literacy, and market concentration reveal growing consumer risks. This Policy Brief calls for stronger consumer protection, including fair competition and regulation, to make digital finance truly inclusive.