The financial system is now offering a wider range of financial services and products to more Kenyans, covering a wider geographical spread, and even going beyond Kenyan borders. This has strengthened the banks and created a wider market.
Or, in the words of the former governor of the Estonian central bank, Ardo Hansson:[56] “The greater is the social consensus on where it should head in the future, the smoother the economic transition will be.”  References Ari, Anil, Sophia Chen, and Lev Ratnovski (2019). The Dynamics of Non-Performing Loans During Banking Crises: A New Database.