While the important role of financial inclusion in economic development cannot be overemphasized, Kenya’s significant strides in this area may obscure some crucial blind spots. Let me highlight two of them.  First, 25 percent of adults in Kenya still do not have access to any form of financial services.
This is further reinforced by noting the large swathes of the country, particularly in the northern regions, that are largely devoid of financial services access points. Much work remains to be done.  Second, while we have succeeded in enhancing access to financial services, we are lagging behind on other dimensions of financial inclusion, particularly on usage and quality.