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← Embedded Finance Index 2026/Countries/Kenya

🇰🇪 Embedded finance in Kenya

View 32 companies on the map →

32 companies headquartered in Kenya are in the Embedded Finance Index. This page counts which embedded-finance layers they run, which providers they name and which licences they hold.

32
Companies analyzed
22 (69%)
Name at least one embedded-finance provider
21
Hold a licence issued in Kenya
13
Significant or critical accounting-integration gap
Layer adoption

Which embedded-finance layers companies in Kenya run

Companies that name at least one provider for the layer on a sourced page, out of 32.

Payments (PSP) · 50%
16
Accounts / BaaS · 41%
13
FX / payouts · 31%
10
Lending / BNPL · 28%
9
Card issuing · 16%
5
KYC / fraud · 6%
2
Open banking / data APIs · 6%
2
Insurance · 3%
1
Crypto / stablecoin · 0%
0
Payroll · 0%
0
Providers

The providers companies in Kenya name most

Payments
4
4
2
2
Equitel
2
2
Accounts / BaaS
2
1
Power
1
Kopo Kopo merchant account
1
Ecobank
1
Kwara
1
Card issuing
KCB
1
OpenWay Way4
1
Lending / BNPL
1
EDOMx
1
Frictionless Enterprises
1
Frictionless Financial Services SMC
1
Cellulant merchant lending
1
Insurance
Power — distribution
1
Open banking & data APIs
2
1
KYC
Karza Technologies
1
Surepass
1
Flagright
1
FX / payouts
3
2
2
2
2
2
Sponsor banks
Daraja Microfinance Bank
1
Licences issued in Kenya

21 companies hold at least one; a company can hold several kinds.

Bank / credit institution
7
Insurance
4
Lending / consumer credit
3
Who they are
Fintech
17
Bank
5
Infrastructure
5
Marketplace
2
Vertical SaaS
2
Horizontal SaaS
1
Companies

Companies headquartered in Kenya

CellulantCellulant NigeriaCraft SiliconEquitelEquity BankFingo AfricaIM BankiPay AfricaKcbKCB GroupKopo KopoKwaraLipa LaterM-PesaNbkPesapalPesawisePezeshaPower Financial WellnessPretiumSafaricomSafaricom M-Pesa AfricaSasaPayUmbaWasoko
Other countries
🇺🇸 United States · 2472🇬🇧 United Kingdom · 634🇧🇷 Brazil · 344🇳🇬 Nigeria · 259🇩🇪 Germany · 207🇨🇦 Canada · 184🇫🇷 France · 177🇮🇳 India · 162🇦🇺 Australia · 127🇳🇱 Netherlands · 121🇦🇪 United Arab Emirates · 95🇸🇬 Singapore · 93🇸🇪 Sweden · 73🇧🇪 Belgium · 61🇲🇽 Mexico · 61🇪🇸 Spain · 60🇿🇦 South Africa · 59🇨🇭 Switzerland · 55🇮🇪 Ireland · 45🇩🇰 Denmark · 44🇸🇦 Saudi Arabia · 42🇮🇹 Italy · 40🇫🇮 Finland · 37🇪🇬 Egypt · 35🇭🇰 Hong Kong · 33🇮🇱 Israel · 33🇳🇴 Norway · 28🇦🇷 Argentina · 27🇨🇴 Colombia · 25🇱🇹 Lithuania · 25🇵🇱 Poland · 24🇨🇱 Chile · 23🇮🇩 Indonesia · 23🇯🇵 Japan · 23🇦🇹 Austria · 22🇪🇪 Estonia · 21🇵🇦 Panama · 20