Kenyan banks are accelerating their investment in artificial intelligence (AI) and machine learning, with deployment now concentrated in credit decisioning, fraud detection, cybersecurity, and customer-service automation.
These functions are becoming the first testing ground for AI as lenders pursue faster processing, tighter risk controls, and leaner operations.
One in two financial institutions, including commercial banks, microfinance lenders, and digital credit providers, have already integrated AI tools into at least one business process, according to a March 2025 survey by the Central Bank of Kenya (CBK).
