Think of a university student running out of bus fare on the way to class. Within minutes, one opens a digital lending app, and the money appears in their digital wallets.
What once required a trip to the bank or a phone call home now takes only a few taps on a screen. For many young Kenyans, this convenience is transformative. Yet it also reflects a growing reality: many are learning how to borrow long before they learn how to build wealth.
