Category Archives: Digital Credit & Fintech
Kenya 2025: KSh 931.8 Billion Came Home: What Kenya’s First Remittances Survey Tells Us About Money and Family
A data analyst’s read of the 2025 Remittances Household Survey (KNBS, CBK & FSD Kenya) If you grew up in Kenya, you already know the scene. A WhatsApp message at midnight: “Nimekutumia kitu kidogo, check M-Pesa.” An aunt in Dallas sending school fees. A brother in Riyadh wiring rent. A cousin in Germany shipping a laptop home […]
Navigating the Cost of Credit in Kenya: What Your Bank is Actually Charging You
If you’re planning to take out a personal loan, business capital, or a mortgage in Kenya, the first thing you probably look at is the interest rate. But banking jargon can make it incredibly difficult to compare who is actually giving you the best deal. Based on the latest data from the Cost of Credit […]
Training Machine Learning to Anticipate Manipulation
The paper “Training Machine Learning to Anticipate Manipulation” (Blumenstock et al., 2023) addresses a fundamental flaw in standard machine learning: the assumption that data distributions remain stable when models are deployed. In reality, when algorithms make consequential decisions—such as awarding loans or granting parole—individuals have strong incentives to “game” the system by strategically altering their […]
