Agent networks are essential to deliver financial services and enable cash-in and cash-out (CICO) transactions at the last mile. However, CICO growth in Kenya is focused around urban areas and significantly lower in rural and remote clusters. This report maps the uptake and usage of DFS in Kenya, especially in rural areas, and explores the current practices and challenges in agent network management. The report further highlights lessons from Kenya and provides recommendations for financial service providers, regulators, and policymakers to boost rural CICO networks.

Access the cross country analysis Kenya report here


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