Thirteen years after the launch of Kenya’s first fintech, M-Shwari, the country has made tremendous strides in expanding access to credit and advancing financial inclusion for everyday Kenyans. However, despite this progress, a weak savings culture and financially unhealthy behaviours are emerging as critical weak links that threaten to undermine these gains Follow The Standard channel on WhatsApp For millions of Kenyans running small kiosks, riding boda bodas, or working in the informal sector, the true measure of progress is whether financial services help them build resilience, ease financial stress, and unlock opportunities that can truly transform their lives.…