YOUR POSITIVITI NEWS CORNER

Beyond Banks: Microloans and the Human Face of Kenya’s Fintech Boom

By: Rendi Nyangua

Every morning in Nairobi’s bustling Gikomba Market, Achieng’ unlocks her phone before she opens her fruit stall. With a few taps, she secures a loan—not from a traditional bank, but from a mobile app that knows her financial behavior better than her own ledger. No paperwork, no manager’s office, just a few seconds and some invisible calculations. Within moments, cash lands in her M-Pesa wallet, and she’s ready for business.

This isn’t fiction. It’s a daily reality for millions of Kenyans—and it’s thanks to AI-powered credit scoring.

Companies like Positiviti are redefining who qualifies for credit. Traditional scores relied on pay slips, employment letters, and formal bank records—things many Kenyans simply don’t have. But AI looks beyond that. It analyzes mobile money patterns, airtime purchases, repayment history on previous microloans, even how promptly you pay your phone bill. If it lives on your phone, it could boost your credit score.

This shift is more than technical—it’s deeply personal. It means someone like Achieng’, who would never qualify for a conventional bank loan, can now restock her stall, grow her business, and provide for her family. AI finds creditworthiness in places no banker has ever looked.

But such a powerful shift comes with growing pains. Kenya’s regulators have had to act fast to protect consumers. The 2019 Data Protection Act and the 2022 Digital Credit Provider regulations were major milestones, setting standards around data privacy, user consent, and ethical fintech practices. Because when an algorithm makes the wrong call, it’s not just a line of code—it’s someone’s life.

Still, the promise of inclusion is real and tangible. When done right, AI doesn’t just automate decisions—it unlocks possibility. It opens doors for those who were previously excluded by outdated systems.

For companies like Positiviti, the challenge is clear: embrace technology while upholding humanity. Build systems that are fast, fair, and transparent. See the human behind the data. And as more Kenyans like Achieng’ turn to their phones for opportunity, make sure that trust, not just tech, is what powers the loan.

Kenya’s Credit Revolution: Beyond Numbers, Into Ethics

By: Rendi Nyangua

In Kenya today, a smartphone is more than a communication device—it’s a financial passport. It holds the key to access, opportunity, and for millions, a better future. Thanks to AI-driven lending, that passport is now being stamped more often than ever.

Artificial intelligence is transforming how creditworthiness is measured. Instead of relying on traditional data like bank statements or formal employment history, today’s lending apps use alternative data. They examine mobile money flows, location data, utility payments, airtime top-ups, and even the kind of phone you use. Branch, for example, uses over 250 micro-indicators. Others dig into SMS logs, GPS data, and even social media habits.

This approach has opened up credit to people long left out of the financial conversation. But it also opens up a new chapter in ethical and regulatory responsibility.

The question is no longer just “Can we score this person?” It’s “Are we doing it right?”

Early in Kenya’s digital lending boom, some fintechs operated in a legal grey zone. Personal data was scraped without clear consent. Borrowers were harassed for repayment. The backlash prompted a strong regulatory response. The 2019 Data Protection Act and 2022 Digital Credit Provider (DCP) regulations now place strict rules on lenders. Data privacy, user consent, and transparent terms are non-negotiable.

Still, questions remain. What if an AI algorithm learns the wrong lesson? What if a single wrong click means someone can’t access emergency funds? Many of these systems function as black boxes, where even the developers can’t easily explain a decision. This lack of clarity is dangerous.

That’s where Positiviti comes in and leads—not only by innovating but by building ethical systems that users can trust. It’s not just about automation—it’s about responsibility. It’s about designing AI tools that work with people, not just on them.

AI has changed the game—but human values still write the rules. The future of credit in Kenya won’t be built by machines alone. It will be built by thoughtful innovators who understand that data isn’t just data—it’s someone’s story, someone’s life.

And in this revolution, the winners will be the companies that don’t just ask “Who’s eligible?”—but “How can we serve them with integrity?”

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Excellent customer service, very responsive. Great mission of providing capital to those in need to allow the borrower to grow and prosper. Exceptional returns without the volatility of market swings. ~ David

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I became a lender first and I was very happy with the returns and service from Positiviti. Everything they promised they made good on. The owners and Vice President are people of great character and want success and a Win / Win / Win for everyone involved. ~ John

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I am more than pleased with the returns I have received in the last 18 months. Every month, I get 3% reported in my Positiviti Account, and each month, I know that my participation is helping thousands of Small and Micro businesses in Kenya get access to capital to build up their businesses. Earning 36% annual returns while helping others is a true win-win investment. What is better is we did a friends and family account so even my kids earn 36% annual returns as part of our account. If you are not earning 36% annually consider participating in Positiviti Lending. You will be as happy as I am. ~ Dan

Amazing microlending platform with high returns

Amazing microlending platform with high returns. The staff is incredibly helpful. I have seen positive returns of 3% month consistently on my money since enrolling in the Family and Friends plan. Positiviti is the real deal. I continue to recommend them to everyone I know. Very happy with the service. ~ John

I went from -4% to 12% by moving it to Positiviti

I was able to take my money out of my 401K from the company I am currently working for, because I was only making -4%. I then put it into Positiviti through Oasis Retirement trust and now I am making 12%. That's a net gain of 16%. Wow, soon I will be making 36% and I can speed up my retirement date. ~ Jan

DISCLAIMER: Positiviti Inc. is an International Peer-to-Peer Micro Lending Program. Participation in Positiviti Inc. is subject to our terms and conditions. Lender Members are advised to read and understand before engaging with our program. Positiviti Inc. is a sponsored program within World Workforce International Inc., a 501(c)(5) nonprofit organization's framework. Positiviti Inc. is not a bank, is not FDIC insured, and does not guarantee returns. While the program aims to facilitate profitable lending, potential principal loss can occur due to inherent risks. Positiviti Inc. is not an insurance program and shall not be liable for any claims, damages, or losses arising from misconceptions regarding the nature of the program. Participation in Positiviti Inc. signifies acceptance of these terms and conditions.

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