Only 2 out of 10 Kenyans are financially comfortable, according to a recent FinAccess Survey included in the Kenya National Financial Inclusion Strategy (NFIS) for 2025–2028 released by the Central Bank of Kenya (CBK). This marks a significant decline from 39.4 percent in 2016 to a mere 18.3 percent in 2024.

• The percentage of financially healthy adults in Kenya has fallen dramatically to 18.3 percent in 2024.
• The Central Bank of Kenya (CBK) released the findings, highlighting the decline in financial health despite Kenya's formal financial inclusion rate reaching 84.8 percent.
• The ability to invest in livelihoods or long-term goals decreased from 39.5 percent in 2021 to 17.1 percent in 2024, signaling structural weaknesses in the financial ecosystem.