Keeping micro-entrepreneurs moving takes more than just giving them access to credit - Business Daily

In Kenya, despite a financial inclusion rate of 84.8%, only 18.3% of adults are financially healthy, with loan default rates rising to 16.6%. Research shows that M-Pesa lifted 194,000 households out of poverty, demonstrating how digital financial services can improve livelihoods. Queen Máxima, UN Special Advocate for Financial Health, emphasizes that access is only the first step, and financial services must be tailored to the daily realities of customers, including small traders and boda boda riders, by providing tools that support their financial resilience.