Published by the FinTech Association of Kenya
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Analysis

Stories that begin with something visible and ask what larger system is quietly being revealed.

Why Is Olkaria’s Geothermal Power Not Yet Winning Kenya the AI Data-Centre Race?
Opinion

Why Is Olkaria’s Geothermal Power Not Yet Winning Kenya the AI Data-Centre Race?

KenGen has built Olkaria into one of the world’s largest geothermal power hubs, but the stalled $1 billion Microsoft-G42 data-centre project exposed a problem that now requires political commitment, regulatory coordination and a financing model built for hyperscale demand. Kenya must find a way to deliver hundreds of megawatts quickly, finance dedicated transmission and make technology buyers carry the cost without pushing more risk onto the Treasury or household power bills.

Policy & Regulation · 16 Oct 2026 · 9 min read

Seven things African fintechs are asking regulators for.
First Reading.

Seven things African fintechs are asking regulators for.

Licences that take months, rules that leave founders guessing and few safe places to test new products. FINTAK’s work with innovators and regulators across Africa points to seven fixes. Kenya’s draft payments law has just taken up one of them.

Policy & Regulation · 14 Oct 2026 · 6 min read

Who answers when an AI agent breaks in?
First Reading.

Who answers when an AI agent breaks in?

AI agents can now retrieve data, send files and initiate transactions without a person directing every step, creating a new problem for businesses deploying them. Kenyan law already attaches duties to organizations over customer data and automated electronic instructions, even as criminal liability for an agent’s unauthorized access still requires separate proof of intent and knowledge. The emerging governance challenge is therefore not simply what an agent was told to do, but what it was permitted to do, what it actually did and whether the institution can reconstruct the difference.

Policy & Regulation · 30 Sep 2026 · 12 min read

Uber rebuilt in Denmark. African cities need platforms built to stay.
Opinion

Uber rebuilt in Denmark. African cities need platforms built to stay.

Uber’s exits from Tanzania, Nigeria and Uganda expose a weakness in ride-hailing that an app cannot solve alone. Fares must cover the full working journey, and a platform that leaves must account for the people who built its market.

Policy & Regulation · 28 Sep 2026 · 11 min read

Kenya Plans a New Payments Rulebook. The Hard Part Is Who Controls the Rail.
First Reading.

Kenya Plans a New Payments Rulebook. The Hard Part Is Who Controls the Rail.

Kenya’s draft National Payment System Bill would replace the 2011 law with activity-based licensing, mandatory interoperability, open-finance services and stronger Central Bank powers, while an accompanying policy proposes a national instant-payment switch. But the decisions that will shape competition remain largely unwritten, including who owns the new rail, who gets direct access, what participants pay and how a regulator that may also operate infrastructure separates those roles. Kenya has already digitised payments. It is now deciding who controls the architecture underneath them.

Policy & Regulation · 22 Sep 2026 · 22 min read

The Safaricom deal was signed before public particpation.
Opinion

The Safaricom deal was signed before public particpation.

The High Court did not invalidate the transaction over one defective meeting. It found that the price preceded the valuation, the contracts preceded parliamentary approval and a transfer of control was presented to the public as an ordinary sale of shares.

Policy & Regulation · 18 Sep 2026 · 5 min read

Kitany’s Internet-Meter Bill Leaves Kenya Guessing What, Exactly, Will Be Measured.
Independent

Kitany’s Internet-Meter Bill Leaves Kenya Guessing What, Exactly, Will Be Measured.

A Bill sponsored by Aldai MP Marianne Kitany seeks to make internet usage and billing more transparent, but its four clauses leave undefined what providers must measure, how customers should be charged and what data regulators may collect. Without clearer rules on pricing, privacy, accuracy and implementation, the proposal could raise compliance costs, favour larger ISPs and create a nationwide usage-tracking architecture without directly solving the problem that inspired it: expiring data and unclear value for consumers.

Policy & Regulation · 27 Aug 2026 · 9 min read