Olivia Obiero


Olivia Obiero is a Manager in the Banking and Financial Services domain.

She has extensive experience in the financial sector specifically related to financial inclusion supporting financial institutions in the subject areas of microfinance, SME finance and digital financial services. She also has hands on experience in technical work such as institutional review, organisational strengthening, market research and product development, capacity building and training. She has conducted several assignments in various countries such as: Kenya, Tanzania, Ghana and Malawi for financial institutions such as Jamii Bora Bank, Equity Bank of Kenya, and Opportunity Bank of Malawi among others.

Posts by Olivia Obiero

Resolving challenges for digital credit with segment-specific vulnerabilities

In Kenya, the demand for digital credit as a substitute for both informal and formal financial services is strong. Yet the question remains—is the reach of digital credit wide enough to help all Kenyans who need instant credit? This blog discusses the current context and gaps relating to specific customer segments, and the associated behavioral traits and challenges. It also highlights key recommendations made to providers based on the insights and lessons from Kenya.

Is there room for optimism in the Kenyan digital credit sector?

This blog sheds light on the current state of the digital credit sector in Kenya highlighting the growth that has been experienced over the last 3 years. In addition, it also brings to our attention the positive trend that has been observed in the performance of mobile loans.

Making digital credit truly responsible- Insights from analysis of digital credit in Kenya

Based on MSC’s comprehensive study of the state of the digital credit landscape in Kenya (2019), this report highlights some positive signs and some persistent problems, as well as opportunities to improve products and consumer protection.

Enhancing education finance: A perspective of the financial journey of low- to medium-cost private primary schools in kenya

MicroSave conducted a study to understand how low- to medium-cost schools meet their financing needs. In this blog post, we explore the estimated financing demand, financial journey, challenges, behaviour, current coping mechanisms, and recommendations for financial partners that wish to serve this niche segment in a profitable and sustainable manner.

M-Shwari: Market Reactions and Potential Improvements

Customers also have a series of specific recommendations to improve the M-Shwari product which is outlined in the Note.