The PWG concluded that investors often took insufficient care in evaluating the risks of credit products, in part because they relied too much on evaluations provided by the credit rating agencies. Unfortunately, the methodologies, data, and assumptions the agencies used to rate structured credit products proved deficient in many cases.
Specifically:   Deposit accounts have increased from 2.6 million (end 2005) to 8.4 million (end 2009) and deposits have doubled from Ksh.545 billion $ billion) to Ksh.1,065 billion $ billion) in the same period.   Lowering barriers to entry – via removal of minimum balances has supported financial reach.