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Kenya’s Financial Inclusion Mirage: Beyond the Hype of Mobile Money.

While Kenya’s mobile money revolution has granted access to financial services for over 75% of its population, a closer look reveals a gap between access and impact. The focus on digitizing money delivery, not the products themselves, results in a hollow form of inclusion. True financial inclusion goes beyond access; it entails active utilization of diverse financial tools. This article delves into the need for a collaborative effort to nurture genuine financial inclusion in Kenya, addressing the ‘digital divide’ and empowering individuals to build a better future.