  Implementation of Credit Information Sharing, with more than 900,000 reports on customers on credit applicants being requested by banks as at 31st August 2011 since roll out just a year ago.   Introduction of Sharia Compliant Banking, with two institutions so far offering exclusive Sharia products, with a growing market footprint.
  Mobile-Based Financial Services, utilizing technological platforms to enable the provision of innovative financial services. In just over 5 years, over 15 million Kenyans have been integrated into the financial system through this innovative channel.