Despite significant progress in financial inclusion since the launch of M-Shwari thirteen years ago, a weak savings culture and unhealthy financial behaviors threaten Kenya's gains. Fintechs are challenged to design products that align with consumers' needs, moving beyond mere credit access to foster financial health and resilience.

• A Tala 2025 Impact Report, in partnership with 60 Decibels, found that 93 percent of digital credit customers reported improved quality of life.
• 67 percent reported increased income, while over 90 percent said loans helped address urgent needs like school fees and medical bills.
• The report highlights the need for fintech products to offer flexibility, affordability, transparency, and pathways to growth, enabling customers to shift from merely surviving to thriving.