AI already decides who gets a loan in Kenya. Now decide who governs it
By Kevin Mutiso NAIROBI, Kenya, Sept 14 – This week I moderate a panel at the National Credit Market Convention in Naivasha. The topic is AI in credit scoring. The…..
✨ Key Highlights
Kenya's lending sector is already heavily reliant on Artificial Intelligence (AI) for credit scoring, making the discussion now about governance rather than adoption.
- Over 8.37 million loans worth more than KES 150 billion have been disbursed by digital lenders, with AI models making the decisions.
- The article proposes that Kenya should regulate the *use* of AI in lending, not ban the technology itself, drawing lessons from past issues with credit scoring.
- The author, Kevin Mutiso, Chairman of the Digital Financial Services Association of Kenya, advocates for clear rules that ensure lenders can explain automated declines and that data moves with the borrower.
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AI in Kenya: From Lending to Traffic Management - September 2026
Binance Africa believes African businesses can lead in adopting agentic AI, drawing parallels to the continent's success with mobile money. Meanwhile, Nairobi can learn valuable lessons from Beijing's approach to traffic management, which leverages technology and data to create a more responsive urban infrastructure. Separately, Kenya's lending sector is already heavily reliant on Artificial Intelligence for credit scoring, making the discussion now about governance rather than adoption. These three stories illustrate how Kenya is advancing in AI adoption across multiple sectors including finance, urban planning, and credit systems.
