“Booming digital credit triggers fresh push for fraud control”

Key points

• Digital lenders in Kenya are tightening identity checks and monitoring of accounts.
• Use of mobile credit for everyday expenses rose to 91% of borrowers in 2026.
• This shift positions digital credit as a key route to formal financial inclusion.
• Fraud remains a major risk with 4.5% of account creation attempts flagged in 2025.
• Initial sign-up is identified as the most vulnerable moment for identity theft.