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Due to drastic changes to regulations for Credit Reference Bureaus (CRBs) and Credit Information Sharing (CIS) system, Kenya's digital lenders face a tough time ahead.

Over the years, most of what has been marketed as financial inclusion across Africa is anything but inclusive. These offerings are exploitative and predatory and over time they erode the little value that their target market already has from their income.

No one in Kenya's FinTech supply chain and ecosystem has quite figured out how to remove or mitigate all points of resistance, which means that there is still room for others to come in and create different flavours of value that will resonate with consumers.