



The New Mandate: Financial Health as the Future of Financial Inclusion
The New Mandate: Financial Health as the Future of Financial Inclusion
- Regulatory Perspective - Risk Management in Dynamic Regtech
- Human-Centered Credit Design - Monitoring Financial Health as a Core KPI - Collaboration Across the Ecosystem
From Access to Impact: Rethinking Success in Digital Credit Ecosystems. • Understanding "financial health" within a digital credit ecosystem • Metrics of success and how they should evolve • Aligning interests across Credit Providers, Regulators, and Enablers
- Key trends in digital borrower profiles based on credit bureau data. - Insights into repayment behaviour, loan frequency, and borrower segmentation. - Early warning signals: what default data and scorecards are showing across digital lenders.
- Scoring models in trade credit and BNPL: growth drivers and market dynamics. - Risks and opportunities in delivering credit at the point of sale or service. - Strategies for sustainable growth: underwriting, transparency, and consumer education.
MODERATOR: James Murigu PANELISTS: 1. Tobias Alando -CEO, KAM 2. Kelvin Mutiso - Chairman, DFSAK 3. CEOs (Banks/ SACCOs / DCPs)
- Limitations of traditional credit scores in mobile-first lending - Use of AI for adaptive, real-time scoring systems - The role of behavioral data in predicting borrower intent and capacity
Building Inclusive, Predictive and Consumer Centric Data Systems
Regulation Reimagined: Keeping Pace with Innovation
- Rethinking collections as part of the borrower journey, not just recovery - Leveraging digital tools for personalized repayment engagement. - Embedding dignity and consumer protection into collections strategies at scale
- Rethinking Credit Risk Through a Climate Lens - Leveraging Fintech for Green Finance - Financing Green Transitions for SMEs & Agriculture
- Expanding Financial Access Through Digital Innovation - Building Resilience Through Embedded Services - Inclusive Ecosystem Growth Through Collaboration
- End-to-End Digital Credit Models for Agri-Value Chains - Platform-Based Collaboration - Scalable Innovations for Smallholder Inclusion
MODERATOR: Edna Mulwa PANELISTS: 1. Seema Gohil - Director, Digifarm 2. Monicah Mwaniki – CEO, Arvocap 3. Bilhah Inyanya - Head of Sales, Pesapap Family Bank 4. Chris Kiburu – Chief Credit Officer, AFC