in the 21st Century

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FSD Kenya 5th floor, KMA Centre Corner Chyulu/Mara Road Upper Hill P.O. Box 11353-00100 Nairobi Kenya Tel: +254 20 292 3000 Email: info@fsdkenya.org Web: www.fsdkenya.org ISBN: 978-9966-093-91-2 Cover photograph by Gitau Mburu. © FSD Kenya, 2015
Contents About the Authors Foreword v vii Introduction 1 Amrik Heyer and Michael King 1 Transformation of Kenya’s Banking Sector, 2000–2012 15 Radha Upadhyaya and Susan Johnson 2 The Geography of Financial Services Providers in Kenya 63 Giorgia Barboni 3 Formal Financial Inclusion in Kenya: Understanding the Demand-Side Constraints 107 Tara Bedi and Michael King 4 The Digitisation of Financial Services: M-PESA and the Evolution of Financial Inclusion in Kenya 153 Alev Gürbüz and William Jack 5 Is Kenya’s Digital Revolution Informalising Financial Inclusion? 183 Christopher Yenkey, Laura Doering and Pete Aceves 6 Measurement of Financial Inclusion: Beyond the Binary Measure 211 Michael King 7 Financial Capability and Financial Inclusion: Measuring the Missing Ingredient 251 Susan Johnson, Yihang Li, Silvia Storchi and SunčicaVujič
Page 1: Kenya’s Financial Transformation
Page 6 and 7: Dedication Ravi Ramrattan was FSD
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CHAPTER 2 The Geography of Financia
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CHAPTER 3 Formal Financial Inclusio
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The Digitisation of Financial Servi
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Is Kenya’s Digital Revolution Inf
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CHAPTER 6 Measurement of Financial
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CHAPTER 7 Financial Capability and
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in the 21st Century

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