Cash Lite: Are we there y

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Cash Lite: Are we there yet?Rethinking the evolution of electronic payments in Kenya based on evidencein the Kenyan and South African Financial DiariesByJulie ZollmannLaura CojocaruAbout the Financial Diaries ResearchWe are grateful to Financial Sector Deepening (FSD) Kenya and the Bill & Melinda Gates Foundation for investing in the researchthat underlies this analysis. The Kenya Financial Diaries research was funded by both partners and data was collected from August2012 through December 2013, with the core of the cash flows in this study running from October 2012 to September 2013. TheBill & Melinda Gates Foundation also invested in the South African study we describe here through the GAFIS project, managed byRockefeller Philanthropy Advisors.This report was commissioned by FSD Kenya. The findings, interpretations and conclusions are those ofthe authors and do not necessarily represent those of FSD Kenya, its Trustees and partnerdevelopment agencies.FSD KenyaFinancial Sector DeepeningThe Kenya Financial Sector Deepening (FSD) programme was established in early 2005 to support the development of financialmarkets in Kenya as a means to stimulate wealth creation and reduce poverty. Working in partnership with the financial servicesindustry, the programme’s goal is to expand access to financial services among lower income households and smaller enterprises. Itoperates as an independent trust under the supervision of professional trustees, KPMG Kenya, with policy guidance from a ProgrammeInvestment Committee (PIC). Current funders include the UK’s Department for International Development (DFID), the SwedishInternational Development Agency (SIDA), and the Bill and Melinda Gates Foundation.Government of Kenya
Cash Lite: Are we there yet? • iTable of contentsTABLE OF CONTENTSFIGURES AND TABLESABBREVIATIONSEXECUTIVE SUMMARYChapter 1Introduction 1BTCA’s three shifts 1The evidence 2Approach 3A shifting landscape 4Diaries sample profiles 4Chapter 2How Kenyans are paid 5iiiivvChapter 4What insights can we garner from 17comparisons with South Africa?Chapter 5Can e-money help people manage theirmoney better? 24Chapter 6What it all means 25AnnexDECOMPOSING ELECRTONIC FLOWS IN KENYA 26Chapter 3How Kenyans pay 9
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