Inclusive Foreign Policy in Kenya: Balancing Power and Engagement

Kenya finds itself at a pivotal point in its foreign policy journey, striving to reconcile its aspirations for a more inclusive approach with the enduring reality of presidential dominance . While President Ruto champions a “whole-of-society” approach, involving Parliament, the Judiciary, and civil society in foreign policy decisions, the long-standing centralization of authority in the presidency raises questions about the government’s commitment to inclusivity . This tension is further complicated by domestic political pressures, regional security challenges , and the evolving global landscape, where the rise of new powers like China demands greater diplomatic agility and strategic foresight .  

A Report by Thee Alpha House

Adding to this complexity, Ruto’s recent foreign policy actions, such as deploying troops to Haiti, have sparked controversy, raising concerns about prioritizing external interventions over domestic needs and aligning too closely with Western interests . This has fueled public discontent and raised questions about Kenya’s commitment to non-alignment and pan-Africanism . Moreover, Kenya faces the increasing influence of non-state actors, such as NGOs and multinational corporations, which can exert significant influence on policy through advocacy and economic power.  

Despite these challenges, Kenya has opportunities to enhance its foreign policy effectiveness. The recently approved Foreign Policy 2024 outlines a comprehensive vision for international engagement, focusing on economic diplomacy, peace diplomacy, and diaspora diplomacy, among other areas. It also emphasizes strengthening the Ministry of Foreign Affairs and improving training for diplomatic staff. To navigate this complex landscape effectively, Kenya should embrace evidence-based policymaking, enhance public diplomacy, increase citizen engagement, and foster strategic foresight, drawing from global best practices and addressing the contradictions in its foreign policy to emerge as a leader in Africa and a respected voice on the world stage.

References:

KBC Kenya’s foreign policy is determined by the President, says Wetang’ula

Sessional Paper No. 1 of 2025 on The Foreign Policy of the Republic of Kenya PDF

Megatrends Afrika Winning Hearts and Minds Abroad or at Home? Kenya’s Foreign Policy under William Ruto

CEPR Evidence-based policymaking in the US and UK

Norwich University 5 Key Approaches to Foreign Policy Analysis

Revitalizing Kenya’s Mining Industry: A Path to Prosperity

Kenya, a nation famed for its wildlife and tourism, harbors vast untapped mineral wealth that could significantly boost its economy. Despite the presence of valuable resources such as gold, titanium, soda ash, limestone, and various gemstones, the mining sector remains a dormant asset, contributing less than 1% to the national GDP. The failure to capitalize on these resources stems from challenges such as inadequate exploration, limited power supply, insufficient refining infrastructure, and rampant illegal mining, which not only deprives the government of revenue but also raises environmental and security concerns. However, Kenya’s strategic location along the Indian Ocean and its well-developed port infrastructure present a lucrative opportunity to establish itself as a key regional hub for mineral exports, benefiting both the local economy and landlocked neighbors seeking access to global markets.

Citizen Digital Report

Recognizing the urgency of revitalizing the sector, the government has initiated a series of legislative and policy reforms to attract investment and streamline operations. Vision 2030 identifies mining as a crucial driver of economic growth, while the Mining Act of 2016 modernized regulatory frameworks to promote responsible extraction and trade. Recent government actions, including the Mining (Amendment) Bill and the lifting of a moratorium on new exploration licenses in October 2023, signal a renewed focus on investment-friendly policies. The formalization of artisanal and small-scale mining has also gained traction as a means to improve sectoral contributions while ensuring worker safety and sustainability. Despite these efforts, critical obstacles persist, including inefficient regulatory processes, poor infrastructure, an unreliable power supply, and safety hazards that have led to frequent mine collapses, particularly in small-scale operations.

To fully unlock the sector’s potential, Kenya must prioritize investments in geological exploration, renewable energy sources, and local refining capacity to maximize value addition. Infrastructure improvements, including better roads, railways, and ports, will reduce logistical costs and enhance efficiency. Expediting licensing processes and enforcing stricter safety and environmental regulations will foster a more stable and investor-friendly industry. Addressing illegal mining through law enforcement and supporting sustainable practices will not only boost revenue but also safeguard ecosystems from degradation. With strategic interventions and robust policy implementation, Kenya can transform its mining industry into a thriving pillar of economic growth, solidifying its position as a regional leader in mineral trade while fostering sustainable development for future generations.

References:

Kenya News Agency Inside CS Joho’s grand vision of transforming mining sector into Kenya’s economic pillar

INTELLINEWS Kenya’s untapped mineral wealth holds the promise of economic transformation

Bowmans Kenya: Mining outlook 2023 – Current status and future possibilities

Institute for Security Studies Gold and governance provide hope for Kenya’s artisanal miners

EAC Natural Resources

Muhoro & Gitonga Associates Mining in Kenya: Current Status & Future Possibilities

Business Daily Catastrophic mine failures risk small-scale mining sector

Pact The economic contributions of artisanal and small-scale mining in Kenya: Gold and gemstones

AI Revolution in Kenya: Challenges and Opportunities

Kenya is riding the wave of an AI revolution, with the technology rapidly being adopted across various sectors, including healthcare, agriculture, and finance . The country boasts the highest AI readiness ranking in East Africa and 84th globally, driven by increased internet penetration, a young tech-savvy population, and government support. Initiatives like the National AI Strategy 2025–2030 aim to establish Kenya as a regional AI hub . The recent AI Innovation Summit in Nairobi brought together industry leaders and innovators to discuss the transformative potential of AI in driving efficiency, innovation, and sustainable growth . Speakers emphasized the need for organizations to develop comprehensive AI strategies, invest in infrastructure and talent development, and foster collaboration to remain competitive in a rapidly evolving digital economy .  

A Report by DW

However, this rapid growth also brings significant challenges. A major concern is the exploitation of Kenyan workers on online platforms for data labeling. Reports reveal that these workers, often lured by the promise of stable employment, face low wages, poor working conditions, and a lack of job security. Some are even exposed to harmful content, including graphic violence and sexual abuse, leading to mental health issues. These findings highlight the urgent need for ethical frameworks and regulations to protect AI workers in Kenya and ensure that the benefits of AI are shared equitably.

Furthermore, there are concerns about the potential for AI-driven automation to displace low-skilled workers and exacerbate existing inequalities . The use of AI for disinformation and the government’s efforts to regulate AI-generated content raise concerns about freedom of expression and potential censorship . Addressing these challenges through ethical frameworks, robust regulations, and public awareness campaigns will be crucial to ensuring that AI benefits all of Kenyan society .  

References:

Research Leap The Adoption of Generative AI in Kenya: A Critical Analysis of Opportunities, Challenges, and Strategic Imperatives

CIO Africa AI Innovation Summit Calls For AI Adoption To Drive Business Growth

Citizen Digital AI Innovation Summit urges AI adoption to drive business growth

Vellum Highlights of the Kenya National AI Strategy 2025–2030





Kenya’s Health Challenges Post-Trump’s WHO Departure

The decision by U.S. President Donald Trump to withdraw from the World Health Organization (WHO) represents a substantial shift in American foreign policy, with potentially profound implications for global health dynamics. This withdrawal was one of Trump’s first actions upon returning to office, formalized through an executive order that signals a marked departure from the international cooperation that had been a hallmark of the previous administration. The move reflects Trump’s broader nationalist approach, which prioritizes America’s sovereignty over multilateral engagements and echoes his longstanding criticisms of the WHO. This shift stands as a stark contrast to the efforts aimed at fostering global health solidarity, as historically represented by WHO-led initiatives like the eradication of smallpox, significant strides against polio, and its essential interventions in health crises such as Ebola and COVID-19. The WHO has been a crucial entity for developing nations including Kenya, offering much-needed access to health expertise, resources, and coordination in combating endemic diseases and enhancing public health infrastructures. Trump’s executive order to cut ties with the WHO risks undermining these collaborative international networks, potentially stalling vital health programs and challenging Kenya’s ability to maintain and build on recent advancements in its health sector without the backing of global assistance.

CTV News Report

The long-standing partnership between the WHO and USAID in Kenya serves as a testament to the impact of collaborative global health efforts. Through initiatives like the President’s Emergency Plan for AIDS Relief (PEPFAR), the U.S. has provided expansive funding, while the WHO has aligned Kenya’s health programs with global standards, offering invaluable technical guidance. This dual support system has been instrumental in the fight against HIV/AIDS, malaria, and maternal and child health issues, resulting in favorable health outcomes such as reduced HIV prevalence and improved maternal health indicators. Kenya’s aim to achieve the UNAIDS 95-95-95 targets—an ambitious goal focused on extensive HIV testing, treatment accessibility, and viral load suppression—highlights the indispensable role of such collaborations. However, Trump’s policy of withdrawal injects uncertainty into these programs, with risks including disrupted supply chains for antiretrovirals, stunted malaria prevention initiatives, and weakened maternal health services. The potential delay in emergency responses and compromised disease surveillance capabilities further complicate Kenya’s health landscape, underscoring the need for a steadfast strategic realignment to navigate these challenges.

In its strategic response to the withdrawal and its implications, Kenya must pivot towards strengthening regional health bodies and seeking new partnerships to buffer the impact of lost support. Institutions like the Africa Centers for Disease Control and Prevention (CDC), as well as Kenya’s own Ministry of Health, can play pivotal roles in fostering continental and national self-reliance, reducing dependency on traditional Western aid. By actively pursuing partnerships with alternative global players such as the European Union, China, and philanthropic organizations like the Bill and Melinda Gates Foundation, Kenya can bridge financial gaps and ensure continuity in health service delivery. Moreover, increasing domestic investment in healthcare becomes crucial to building resilience and sustainability in local health systems. Regional alliances, particularly under the umbrella of the East African Community (EAC), present opportunities for shared resources and collaborative health solutions, reinforcing the region’s capability to tackle shared health challenges. This strategic recalibration not only allows Kenya to maintain its public health initiatives amid global political shifts but also positions it to advocate for more inclusive and equitable global health policies. In the broader context, the move away from multilateralism, as reflected in Trump’s policy, challenges Kenya and similarly positioned nations to reframe their health priorities, ensuring that progress is not undermined by geopolitical tensions and resource insecurities.

References:

U.S. EMBASSY IN KENYA PEPFAR in Kenya

NTV Kenya Trump era stirs concern in Kenya over aid and policy shifts

CHIMP Reports How Trump’s Withdrawal of U.S. from WHO will Affect Africa

Reuters Trump orders US exit from World Health Organization

The Standard WHO ‘regrets’ US decision to withdraw from organisation

BBC US exit from WHO could see fifth of budget disappear

Time What Leaving the WHO Means for the U.S and the World

The Guardian ‘Sowing seeds for next pandemic’: Trump order for US to exit WHO prompts alarm

CNN What is the World Health Organization and why does Trump want to leave it?






African Nations Championship Delayed: Kenya, Tanzania, Uganda Prepare

The postponement of the African Nations Championship (CHAN) from February to August 2025 highlights not only the infrastructural challenges but also the strategic opportunities for host countries Kenya, Tanzania, and Uganda. As these nations refocus their efforts, several key factors emerge essential for executing an ideal tournament across three countries. The foremost priority is establishing world-class venues that meet international standards, accompanied by top-tier training facilities and accommodations. Efficient transportation networks between venues within and between the host countries are critical, alongside robust communication systems that ensure seamless information flow among organizers, teams, and officials. Comprehensive security measures for all venues and travel routes, along with readily accessible medical facilities, further underpin the logistical framework needed for a successful event.

A Report by African Informant

The postponement offers a valuable timeframe to reinforce coordination and collaboration, the backbone of an international undertaking of this scale. A strong centralized organizational structure with clear lines of authority can facilitate efficient coordination between the national organizing committees of each country. This foundation supports cross-border cooperation, harmonizing rules and procedures, and ensuring the seamless movement of personnel and equipment. Cultivating respect for cultural norms and integrating local customs into the tournament experience help create a unique and welcoming atmosphere. Furthermore, offering accessible and affordable tickets, alongside fan zones and entertainment options in each host city, enriches the fan experience. High-quality hospitality services and friendly, helpful volunteers will be key in providing an unforgettable experience for both local and international spectators.

Sustainability and technology also play crucial roles in shaping the tournament’s legacy and innovation. Organizers are urged to minimize the environmental impact through sustainable practices and eco-friendly transportation solutions while promoting waste management. The tournament can leave a positive social impact through community engagement and development programs, ensuring that the benefits extend beyond the event itself. Leveraging technology for ticketing, logistics, and fan engagement, and employing data analytics to enhance the tournament experience, can position CHAN 2024 as a forward-thinking and memorable event. While CAF finalizes the schedule and confirms team participation, attention to these critical factors will enable the host nations to not only address current challenges but also set a new standard in international sports hosting, bolstering East Africa’s reputation on the global stage.

References:

Kenya News Agency CAF pushes CHAN 2025 to August, cites infrastructure gaps

Morocco World News Why CAF Delayed CHAN Until 2025, Revealed

FootBoom CHAN 2025: Tournament Postponed to August 2025 by CAF

BBC CHAN 2024 delay welcomed by three co-hosts

Reuters African Nations Championship in East Africa postponed as facilities not ready

Rethinking Kenya’s Job Strategy: From Exports to Domestic Growth

Kenya’s recent dip in foreign job contracts, falling by 54.3 percent in the fiscal year ending June 2024, underscores the precariousness of its reliance on overseas labor markets as a solution to its unemployment crisis. This marks the third year of declining government-approved overseas jobs, reflecting both a crackdown on fraudulent recruitment practices and diminishing job orders from destination countries. Despite more than 243,000 Kenyans securing international employment since September 2022, safety concerns and reduced demand have underscored the risky nature of this approach. Stricter oversight and mandatory contract attestations are steps toward protecting workers, yet they fail to address the fundamental issues underlying Kenya’s employment landscape. While President Ruto’s administration views overseas markets as essential, this strategy offers only a temporary reprieve and highlights the urgency to develop sustainable, long-term solutions domestically.

Citizen Digital Report

Drawing parallels with Qatar’s successful economic transformation in the early 2000s, Kenya can learn valuable lessons to tackle its current unemployment crisis. Qatar’s investment in education and skills training equipped its youth to meet evolving market demands, and similar initiatives are critical in Kenya as well. By realigning its education system to focus on skills relevant to emerging sectors like technology and renewable energy, Kenya can enhance job readiness among its youth. Further, fostering public-private partnerships would facilitate job creation and stimulate economic growth. Qatar’s emphasis on attracting foreign investment by creating a business-friendly environment enabled it to diversify its economy, and Kenya could benefit from similar policies. With tax incentives, simplified business processes, and improved access to credit, Kenya can encourage foreign companies to invest, paving the way for enhanced job opportunities and economic resilience.

To build a more robust and sustainable economy, Kenya must pivot from short-term labor export strategies and instead focus on internal economic development. Enhancing the skill sets of the local workforce and fostering innovation through hubs and incubators are crucial steps. The Kenyan government should work towards reducing economic informality by nurturing small and medium enterprises through supportive policy frameworks. Public-private partnerships in skills development, along with attracting foreign investment, would be central in generating quality jobs and alleviating the current sense of frustration and hopelessness among Kenyan youth. By adopting an integrated approach that draws from successful global strategies, Kenya can tackle its unemployment challenges and foster a thriving domestic economy, reducing the need for potentially precarious overseas opportunities.

References:

Nation Lessons from Qatar on jobs

The Standard Revealed: The Hidden costs in diaspora jobs deal

The Star Saudi Arabia team in Kenya to recruit 500 nannies

The Star CS Mutua sees off Kenyan workers bound for Qatar jobs

Kenyans.co.ke CS Alfred Mutua Announces Action after Low Success Rate in Qatar Job Recruitment

Julisha Diaspora Jobs Drop 54%, as Demand for Kenyans Fall

The Standard Promise of jobs abroad as youth become restless












Etihad Airways Restarts UAE-Kenya Flights: Boosting Tourism

A few weeks into the resumption of Etihad Airways’ direct flights between Abu Dhabi and Nairobi, the positive impact on regional connectivity and tourism is becoming increasingly evident. After a four-year hiatus due to the COVID-19 pandemic, Etihad has reestablished this crucial air link, operating four weekly flights with its Airbus A320. The airline’s commitment to enhancing economic and cultural ties between the UAE and Kenya is already bearing fruit, with heightened travel activity and renewed interest in the bustling routes between these vibrant cities. This strategic move not only reaffirms Abu Dhabi’s status as a global aviation hub but also provides a significant boost to Kenya’s growing tourism sector, which is key to the country’s economic resurgence.

Business Daily Africa Report

The timing of Etihad’s relaunch synchronizes perfectly with Kenya’s burgeoning tourism industry, which is well on its way to achieving its ambitious goal of welcoming five million visitors in the near future. This development complements Kenya Airways’ forthcoming direct flights from Nairobi to London Gatwick, beginning in July 2025, thereby positioning Nairobi as a pivotal axis for international travel. With accessible routes now open to travelers from the UAE and soon from the UK, Kenya stands ready to offer its rich tapestry of experiences—from the iconic Great Migration in the Maasai Mara to the tranquil sands of Diani and Lamu. The country’s diverse attractions are drawing international tourists eager to explore its natural beauty and vibrant culture, confirming Kenya as a must-visit destination.

Etihad’s return to Nairobi has also spurred significant employment opportunities locally, with the airline actively recruiting Kenyan crew members and pilots. This initiative is in line with the Kenyan government’s objectives to create jobs and enhance economic growth, further underscoring the importance of strong international partnerships. As these new flight routes gain momentum and more visitors flock to Kenya, the increasing air traffic through Nairobi is set to solidify the city’s role as a major travel and commerce hub in sub-Saharan Africa. The ongoing enhancements to both Etihad’s and Kenya Airways’ international networks are not only connecting travelers to unforgettable African adventures but also weaving Nairobi into the broader tapestry of global travel destinations.

References:

The Standard Etihad launches direct flights between Nairobi and Abu Dhabi

AirlineGeeks Etihad Relaunches Nairobi Service

ARGS Etihad Airways opens a new gateway to Kenya with launch of Nairobi flights

Business Daily Etihad Airways postpones return of Abu Dhabi-Nairobi flights

The Kenyan Wall Street Etihad Airways Extends Suspension of Scheduled Flights

Reuters Etihad Airways flights suspended due to coronavirus












Explore Kenya: New Direct Flights from Nairobi to London

Kenya Airways’ new direct flights from Nairobi to London Gatwick, launching on July 2, 2025, offer UK travelers not only convenient access to East Africa but also an invitation to experience Kenya’s world-class tourism. The route, operating three times weekly on a Boeing 787-8 Dreamliner, ensures a premium travel experience with 30 business class and 204 economy class seats. The flights are perfectly timed for traveler convenience, departing Nairobi at night on Wednesdays, Fridays, and Sundays, with morning arrivals at Gatwick. Return flights from Gatwick depart during the day on Mondays, Thursdays, and Saturdays. And with return tickets starting at approximately £720, exploring Kenya’s breathtaking landscapes has never been more accessible.

A nice review of the Boeing 787-8 dreamliner by Dave Mani

Kenya is a land of wonders, offering travelers unforgettable experiences in every corner. As the home of safari tourism, the country is globally renowned for its majestic wildlife encounters, including the awe-inspiring Great Migration in the Maasai Mara. For those seeking tranquility, the sun-kissed beaches of Diani and Lamu provide luxurious coastal retreats, while thrill-seekers can hike the rugged trails of Mount Kenya or indulge in thrilling water sports along the Indian Ocean. Kenya’s cultural vibrancy adds depth to its beauty, with its rich traditions, local cuisines, and the renowned warmth of its people ensuring every traveler feels welcome. With seamless connections from Gatwick to Nairobi and an extensive network across sub-Saharan Africa, Kenya Airways opens the door not only to Kenya’s treasures but to Africa’s diverse destinations.

The addition of Gatwick to Kenya Airways’ UK operations reflects the airline’s vision of positioning Kenya as a premium travel destination for the global market. The new service increases London connectivity to 10 weekly flights, complementing the existing daily Heathrow service. As Allan Kilavuka, CEO of Kenya Airways, highlights, Kenya is not just a destination but a gateway to unforgettable adventures, whether you’re seeking luxury, exploration, or cultural immersion. With direct flights, affordable fares, and an optimized schedule, it has never been easier for UK travelers to answer the call of Kenya. Let this new chapter in connectivity be your gateway to an extraordinary African journey.

References:

ATTA Kenya Airways announces new direct flights between Nairobi and London Gatwick

Kenya Airways Kenya Airways Announces New Route, Nairobi to Gatwick Direct Flights Beginning July 2025

KATA Kenya Airways announces new route, Nairobi to Gatwick direct flights beginning July 2025

MSN Kenya Airways Announces New International Route From Nairobi

Capital Business KQ to launch second London flight hub at Gatwick in 2025

Will CHAN 2024 Transform Kenyan Football?

Kenya finds itself at a critical juncture as it prepares to co-host the 2024 African Nations Championship (CHAN) alongside Tanzania and Uganda. This opportunity comes with the potential to transform Kenya’s position on the continental football stage. Reflecting on past setbacks in hosting the 1996 Africa Cup of Nations (AFCON) and losing the 2018 CHAN rights, the nation faces a formidable test in delivering on its promise this time around. As Sports Cabinet Secretary Kipchumba Murkomen urges, national patriotism and unity are crucial, emphasizing that the current debate and pressure can serve as catalysts for achieving the desired success. By learning from its historical challenges and engaging in robust infrastructural and logistical preparations, Kenya is determined to demonstrate its capacity to host international tournaments effectively.

KBC Report

Scheduled for February 1 to February 28, 2025, CHAN 2024 is not just a football tournament but an acid test of Kenya’s preparedness and organizational prowess. As CAF inspectors monitor the progress, with deadlines looming large, the stakes could not be higher. Stadium renovations at Nyayo and Kasarani are under intense scrutiny, and Murkomen acknowledges the enormity of the task ahead, admitting the oversight in offering two stadiums. Nevertheless, the establishment of the CHAN 2024 and AFCON 2027 Local Organizing Committee, under Nicholas Musonye’s leadership, represents a strategic response to these challenges. Meanwhile, newly elected Football Kenya Federation President Hussein Mohammed’s appeal to the private sector for active involvement further underscores the collaborative effort required to elevate Kenya’s football infrastructure and capabilities.

As Kenya steps into the spotlight, CHAN 2024 emerges as a defining test that could ultimately reshape Kenya’s sporting narrative and bolster East Africa’s football reputation. The nation stands to gain not only from the economic and social benefits of hosting but also from placing itself firmly on the map as a regional sports hub. However, the potential repercussions of losing hosting rights remain a stark reminder of the stakes involved. What role should national pride and private investment play in meeting these challenges? How can Kenya leverage this opportunity for a sustainable legacy? We invite you to share your thoughts and insights as we navigate this turning point in Kenyan and East African football history. Join the conversation and help shape the future of regional sports development.

References:

CECAFA African Nations Championship 2025 dates announced

BBC Kenya confident it will remain as CHAN 2024 co-host

TV47 Digital Murkomen dismisses claims of Kenya losing CHAN and AFCON hosting rights

Nation 2027 Afcon and 2024 CHAN: Kenya appoints team to oversee preparations

The Standard Murkomen confident Kenya will host CHAN 2024

BBC Kenya stripped of hosting rights for CHAN 2018

Nation Why Kenya lost rights to host 16-nation Africa soccer contest

Nation Kenya loses Chan hosting rights as Caf decides – VIDEO

Nation Kenya’s failure to host 1996 Afcon a blot in Moi’s rich sporting legacy

KIPPRA Hosting the African Cup of Nations: What Kenya Needs to Know



Redefining Financial Success in Kenya: From Access to Wellness

Kenya’s financial revolution has been celebrated globally, particularly for its high level of financial inclusion, which has seen mobile money platforms like M-Pesa bring banking to the fingertips of millions. Yet, the 2024 FinAccess Household Survey paints a less rosy picture, with over 81.7% of Kenyans still struggling to achieve financial health. The emphasis on access has not translated into the ability to save, invest, or absorb shocks. Many households are burdened by daily financial stress, leaving them vulnerable to crises and unable to plan for long-term goals. This imbalance underscores the need to redefine success in financial systems from mere inclusion to fostering holistic financial wellness.

Bloomberg TV Report

The influx of mobile loans, driven by the proliferation of digital lenders, reveals the challenges of unregulated financial innovation. While these platforms provide crucial access to credit, their high interest rates and predatory practices exacerbate financial stress, particularly for low-income households. The lack of proper consumer protection has trapped many in debt cycles, undermining the benefits of financial inclusion. Treasury CS John Mbadi’s call for banking reforms to lower lending costs aligns with the need to create a more equitable financial environment. Addressing these issues requires not just regulatory measures but also partnerships between financial institutions, government, and fintech players to design fair and sustainable credit solutions.

CNBC Report

Despite Kenya’s improving macroeconomic indicators, such as reduced inflation and currency stabilization, the benefits have yet to trickle down to the majority of households. Achieving financial health will require targeted interventions, including promoting financial literacy, fostering savings habits, and addressing systemic inequities. By focusing on affordability, education, and consumer protection, Kenya can create a financial ecosystem that empowers its citizens to not only access but thrive within the system. Closing the gap between inclusion and health is not just an economic imperative but a pathway to improving the overall well-being of millions.

References:

KIPPRA Building Kenya’s Financial Health Amidst Increasing Financial Inclusion

Bank of America Financial health vs. financial wellness—are they the same?

FSD Kenya 2024 FinAccess Household Survey: Key insights into Kenya’s financial landscape

Xinhua Kenya’s financial inclusion hit 84 percent amid policy reforms, digitization: report

The Standard Majority of Kenyans in poor financial health – survey

The Kenyan Wall Street CS Mbadi Turns the Heat on Banks on Borrowing Costs

The Star Stakeholders call for partnerships to enhance financial inclusion