Country Context
Kenya’s experience with the M-PESA mobile money service, launched in 2007 by mobile operator Safaricom, positioned the country as a trailblazer in the use of digital technologies to broaden access to financial services. Safaricom remains the dominant player in the Kenyan mobile money and other digital financial services (DFS) market, but recent regulatory and commercial developments may usher in a more competitive market… Read More
Key Metrics
Source: FII Survey of Kenya, conducted September-October 2013; sample size=[3,000]
Mobile Phone
 Mobile Phone | Total | Male | Female | Urban | Rural |
|---|---|---|---|---|---|
| Own Mobile Phone | 74% | 75% | 72% | 83% | 69% |
| Own or Can Borrow Mobile Phone | 93% | 93% | 93% | 96% | 92% |
| Own Sim Card | 77% | 78% | 76% | 86% | 72% |
| Own or Can Borrow Sim Card | 93% | 94% | 93% | 96% | 92% |
Bank Accounts
 Bank Accounts | Total | Male | Female | Urban | Rural |
|---|---|---|---|---|---|
| Own Bank Account | 27% | 35% | 19% | 35% | 22% |
| Own or Have Access to Bank Account | 29% | 36% | 22% | 39% | 24% |
| Active Bank Account User (Past 90 Days) | 21% | 29% | 13% | 29% | 16% |
Mobile Money Use
 Mobile Money Use | Total | Male | Female | Urban | Rural |
|---|---|---|---|---|---|
| Have Ever Used MM | 76% | 77% | 74% | 85% | 70% |
| Active MM User (past 90 days) | 68% | 70% | 66% | 80% | 62% |
| Registered MM User | 68% | 70% | 67% | 79% | 62% |
| Registered Active MM User | 62% | 65% | 60% | 75% | 56% |
Mobile Money - Specific Uses
| Mobile Money - Specific Uses | Total | Male | Female | Urban | Rural |
|---|---|---|---|---|---|
| Send Money to Others | 42% | 45% | 39% | 55% | 34% |
| Receive Money From Others | 46% | 47% | 46% | 56% | 41% |
| Buy Airtime Top-Ups | 48% | 52% | 44% | 64% | 38% |
| Pay School Fee | 4.5% | 5.2% | 3.8% | 6.4% | 3.4% |
| Pay Medical Bill | 1.0% | 0.8% | 1.2% | 1.5% | 0.7% |
| Pay Utility Bill | 5.8% | 7.2% | 4.5% | 10.9% | 3.0% |
| Pay Government Bill (Tax, Fine, or Fee) | 0.2% | 0.3% | 0.2% | 0.6% | 0.1% |