Kenya is Africa’s fintech epicentre. With 91% mobile money penetration, $16.8bn digital payments market, and $638M VC funding, the nation leads a continent primed for the next wave of financial innovation. But 2026 is different.
The CBK’s National Financial Inclusion Strategy 2025-2028 has unlocked new frontiers: real-time payments (FPS), tokenization via VASPs Act 2025, and open finance APIs. Government and regulators are co-architects, not gatekeepers. The moment to build is now.
Previous editions covered fintech fundamentals: mobile money, digital lending, and payments. This edition tackles what’s next: agentic AI executing autonomous trades, tokenized real-world assets unlocking Africa’s agritech, pan-African settlement rails enabling intra-African trade, payroll data as the new credit frontier, and network economics for scaling beyond borders.
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