In 2025 alone, its mobile lending volumes surged by 30 per cent to Sh544 billion, cementing digital credit as a cornerstone of its retail banking strategy. Latest figures from the Central Bank of Kenya indicate that nearly 8 out of every 10 loans in the country are now disbursed through digital channels, an inflection point underscoring the dominance of mobile lending in the financial system.
The latest integrated report by KCB Group paints a vivid picture of the scale and velocity of change. The report shows that the lender is now disbursing an average of Sh1.5 billion in mobile loans every day, highlighting both the depth of demand and the efficiency of digital platforms.
In 2025 alone, its mobile lending volumes surged by 30 per cent to Sh544 billion, cementing digital credit as a cornerstone of its retail banking strategy. This growth reflects the convergence of Kenya’s mature mobile money ecosystem, anchored by platforms like M-Pesa and increasingly sophisticated data analytics.
KCB’s flagship mobile lending platform, developed in partnership with Safaricom, has evolved into a powerful engine for financial inclusion, enabling millions of customers to access instant, unsecured credit. The report hails data analysis for the growth, with the government-backed Hustler Fund emerging as a valuable source of borrower insights, providing lenders with granular information on repayment patterns, borrowing behavior, and risk profiles.
The lender says that this data has translated into sharper credit scoring models and faster decision-making processes. “The result is a system where risk can be priced more accurately, approvals granted almost instantly, and loan volumes scaled sustainably,’’ the report says.
KCB reported an 11.8 per cent increase in profit after tax to Sh68.4 billion in 2025, illustrating how digital lending, when underpinned by reliable data infrastructure, can enhance not only access to credit but also the economics of banking itself. The integrated report shows that product innovation also played a pivotal role.