While Kenya boasts high financial inclusion, young Kenyans struggle with wealth creation due to a lack of financial discipline, not access. The focus has shifted from knowing about financial products to adopting consistent saving and investing habits.

• Over 80% of Kenya's adult population is financially included, yet about one-third of youth aged 18-25 remain excluded, particularly rural youth.
• The article highlights findings from the 2024 FinAccess Household Survey, a collaboration between the Central Bank of Kenya (CBK), Kenya National Bureau of Statistics (KNBS), and Financial Sector Deepening (FSD) Kenya.
• Young Kenyans often use mobile money for savings, promoting liquidity over accumulation, and informal savings groups (chamas) lack formal structures for long-term growth.