Market Overview

Kenya dominates Africa's fintech landscape with the highest mobile money penetration globally. The Central Bank of Kenya's progressive regulations have fostered innovation while maintaining stability, making Nairobi the preferred launchpad for pan-African fintech expansion.

38M
Mobile Money Users
92%
Mobile Penetration
18M
Banked Adults
$800M+
Fintech Investment

Kenya's Fintech Champions

Visionary Founders

Kenya's Fintech Advantage

Infrastructure

97% of adults have access to mobile money agents within 3km, with over 290,000 agents nationwide - the densest network in Africa.

Regulation

The Central Bank's sandbox approach balances innovation with consumer protection, recently introducing Africa's first regulatory framework for digital lenders.

Talent

Nairobi's 50+ tech hubs produce 10,000+ engineering graduates annually, creating Africa's deepest fintech talent pool.

Key Growth Areas

Embedded Finance BNPL Agri-Fintech Neobanking Cross-border Payments