The Central Bank of Kenya has in the recent years introduced several regulatory interventions aimed at increasing financial inclusion. Mobile operators and financial institutions have successfully launched numerous services either to increase the convenience for existing customers or to reach...

With a 75% mobile penetration in Kenya, there has been a flurry of efforts to develop mobile applications for the common citizen who now owns a mobile device. However, the uptake of such mobile phone-based applications has been disappointingly low, especially at the so-called base of the pyramid...