Joyce Murithi

Posts by Joyce Murithi

Have the Portfolio Diversification Strategies of Kenyan Microfinance Banks Failed?

The blog discusses how the diversification strategies of Kenyan microfinance banks are working.

Competition in the Kenyan Digital Finance Market: Digital Deposits (Part 3 of 3)

This is the third blog in a three part series, which compares digital financial service offerings in Kenya.  The first blog focused on mobile money services, the second one analysed digital credit and this one analyses digital deposits. Digital deposit accounts are a controversial topic in digital finance.  Many analysts note that mobile money providers cannot offer interest on […]

Competition in the Kenyan Digital Finance Market: Digital Credit (Part 2 of 3)

This is the second blog in a three part series, which compares digital financial service offerings in Kenya.  The first blog focused on mobile money services and this second one delves into mobile banking services, focusing on digital credit.  These are certainly the most complicated but also the most exciting services given their potential to deepen financial […]

Competition in the Kenyan Digital Finance Market: Mobile Money (Part 1 of 3)

There has been a great deal of international discourse on the topic of mobile money after Kenya’s successful implementation of M-PESA, and as we recently wrote, the success is increasingly shared by banks. This is a clear victory for Kenyan customers, who now have more options to choose from.  However it also means that the financial […]

The Key to Growing Large is Staying Small First: Focus on clients, distribution, & communications

This presentation discussed three top digital finance issues for banks.

Agent Network Accelerator Survey: Nigeria Country Report 2014

After years of market development, digital finance in Nigeria has still yet to take-off.  The market is still experiencing some regulatory impediments, but most of all, providers need improved strategic approaches to their anchor products, core operations and expansion strategies. 

Do the M-PESA Rails Contribute to Financial Inclusion?

The Note examines progress towards financial inclusion in Kenya, and concludes that while M-PESA’s rails offer the potential, Kenya may yet have to wait to realise affordable, effective financial inclusion.

Riding the M-PESA Rails: Advantages & Disadvantages

This Note examines if, how and where financial institutions are realising the potential of M-PESA to make their systems more efficient and their products more accessible.