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A large percentage of Kenyan population is digital borrowers. Majority of them have borrowed from mobile apps such as M-shwari, Equity Eazzy, KCB Mpesa, Tala and MCo-op Cash. According to a research by the FDA most borrow money from digital sources for business purposes while others borrow to cater for their day-to-day needs. 

Another percentage borrows to finance their education while others will simply borrow to pay bills and buy airtime.

About 7% of the population borrows to cater for medical emergencies.

There is also another population of Kenyans that borrow loans from one mobile app to pay another mobile loan app.

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