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Mapping the financial sector in kenya. Why financial inclusion data?. Microfinance institution. Microfinance institution. Savings group? SACCO?. Insurance company. Remittance provider. Retail store. Informal services. Sources: Portfolios of the Poor. Structure of the sector.
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Why financial inclusion data? Microfinance institution Microfinance institution Savings group? SACCO? Insurance company Remittance provider Retail store Informal services Sources: Portfolios of the Poor
Structure of the sector Sources: southafrica.mixmarket.org, kenya.mixmarket.org, rwanda.mixmarket.org 3
Mapping for more detail • Soon at: kenya.mixmarket.org • Data on… • Products from SPINNAKER • Bank branches from FSD Kenya / CBK • Postbank branches and agents from WSBI • SACCOs from WOCCU • MFIs via AMFI Kenya + MIX • Demand data by province from Finscopes • Web scrapers for other locations, savings groups coming soon? • Maps by Development Seed • See also nigeria.mixmarket.org, southafrica.mixmarket.org , rwanda.mixmarket.org (soon) 4
Bricks and mortar: rapid change in our lifetime 5 Sources: FSD Kenya, WOCCU, MIX
Agent banking: off the charts 6 Sources: FSD Kenya, WOCCU, MIX, Safaricom, KPOSB
Consistent reach by all, concentration in Nairobi M-Pesa SACCOs M-Pesa Banks Postbank SACCOs MFIs Banks Postbank MFIs 7 Sources: Open Data Kenya, kenya.mixmarket.org; results are preliminary
Finding concentration of high-cost services Opening fees, by district Inactivity fees, by district 8 Sources: SPINNAKER kenya.mixmarket.org; results are preliminary
What else can you ask and answer? • Are MFIs based in high-poverty areas more than other types of providers? • Are the unbanked located in high-poverty areas? • Where are the biggest gaps (the most under-served)? • Is there anywhere M-Pesa doesn’t reach? • Where is there the most M-Pesa concentration? • What has been the expansion path for banks and SACCOs (intensive vs. extensive)? • What has been the expansion path for agent banking? • Where are there gaps in savings services? • Where are there gaps in other infrastructure (roads, utilities, etc.)? • Are product costs higher or lower in urban vs. rural areas? • Do costs or fees decrease where there is more competition? (What kinds of competition?) 9
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