Kenyan commercial banks are exploring an AI-powered early warning system developed by US firm IronOne Technologies to proactively predict and mitigate bad loans up to six months in advance.

• The system, called "Smart Delinquency Predictor", analyzes payment histories and market trends to flag high-risk accounts.
• Key organizations involved include IronOne Technologies and its partner Fidem Financial LLC, working with Kenyan banks and microfinance institutions.
• Kenyan banks face a growing concern of bad loans, with gross non-performing loans jumping 59% in five years to Sh674.4 billion in 2025.