I would also wish to recognise the efforts put forward by the market players led by KBA who unreservedly partnered with CBK in developing the regulatory framework and in hosting the Kenya Credit Information Sharing Initiative (KCISI) which has put in place the modalities of operationalising the initiative.
Besides the direct impact of climate change, there are yet more risks which we need to bear in mind, because the shift towards a lower-emission, "greener" economy is itself a source of potential risks, which go under the somewhat unwieldy name of "transition risks". The background to this is as follows.