Kenya | Aurato

Kenya
`mkt_ke`

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Kenya's payments market is shaped by M-PESA's combination of wallet balances, agents, cash-in and cash-out, and merchant acceptance. Banks and other networks sit alongside this mobile-money ecosystem. Formal financial access among adults reached 84.8% in the 2024 FinAccess survey.

Population

58M

GDP

$136B

GDP per Capita

$2K

GDP Growth

4.6%

Deepdive

World Bank, World Development Indicators (WDI), 2025

Cash in Kenya

Kenya's mobile-money reach has reduced exclusive reliance on cash, yet notes still circulate through M-PESA agents and daily commerce. Cash and wallets often work together, with bank-issued payment cards playing a smaller role.

ATMs (PER 100K)

6.1

BANKS (PER 100K)

4.5

DEBIT CARDS (PER ADULT)

0.3

CREDIT CARDS (PER ADULT)

0.0

Compare

IMF, Financial Access Survey (FAS), 2025