A deep overview of consumer credit in Tanzania
This report reviews (year-by-year) the data (2019–2024) on formal credit flows, borrower profiles and defaults, and consumer lending trends
How direct debit works in Tanzania
This report reviews the regulatory framework, technical design, market players, and trends for direct debit in Tanzania (2019–2024), drawing on BoT publications, industry reports, and expert commentary.
3 African countries making progress in Open Banking
Right now, your bank holds all your financial data: how much you earn, what you spend, your loan history, and more. Open Banking changes that.
Open banking in Africa: Continental progress made as of 2025
In London or Sydney, open banking was about breaking up bank monopolies. In Africa, it’s about building the pipes. Basic ones. The kind that lets people send money, access credit, or even check a bank balance without friction. Here, open banking isn’t just a policy play, it’s a workaround. A way to fill gaps that […]
A deep overview of business and SME loans in Ghana
Executive summary In Ghana today, running a small business isn’t just a choice. It’s a means of survival and progress. With over 80% of employment coming from the informal sector, entrepreneurship is often the default path for many Ghanaians, especially the youth. From food sellers to online vendors and fashion designers in Accra, micro and […]
A deep overview of consumer credit in Ghana
This article offers a comprehensive overview of Ghana’s consumer lending sector from 2019 to 2024. It explores the types of loans available, major lenders, the role of fintech, regulation, and the social dynamics of borrowing.
A cultural view of loan defaults in Kenya
Executive summary From 2019 to 2024, Kenya experienced a steady rise in personal and consumer loan defaults, driven not just by economic challenges, but deeply rooted cultural behaviors, social expectations, and shifting attitudes towards debt. While formal banks, microfinance institutions, and mobile lenders expanded access to credit, repayment struggles mirrored longstanding cultural and communal dynamics. […]
An overview of loan management software in Kenya
This report looks at how loan management software works, why it matters to everyday Kenyans, and how adoption has grown over the past five years.
A deep overview of business and SME loans in Kenya
Whether through banks, SACCOs, digital platforms, or informal channels, we examine how Kenya's business owners are financing their operations and what’s next for them.
A deep overview of consumer credit in Kenya
Whether you’re a driver juggling M-Shwari and Fuliza, a kiosk owner weighing whether to borrow from your chama or a loan app, or a policymaker trying to keep up with the pace of lending, this report is for you.
Who regulates lending in Kenya?
Kenya has been at the forefront of digital lending, making it easier than ever for ordinary citizens to access credit. Just a decade ago, getting a loan meant filling out endless paperwork, waiting in long bank queues, and often needing collateral that many people simply didn’t have. Then came mobile lending apps promising “easier” loans. […]
