Banking, Finance & Financial Technology (Fintech)
We provide specialised legal advisory to financial institutions, fintech companies, digital credit providers, and investors operating within Kenya’s evolving financial services landscape. Our expertise spans both transactional and regulatory aspects of financial services.
Core Capabilities:
- Advisory on Digital Credit Provider (DCP) licensing and compliance under Central Bank of Kenya (CBK) regulations
- Advisory on registration of payment service providers for facilitation and processing of digital payment solutions such as payment gateways, merchant services
- Advisory on fintech business models including BNPL (Buy Now Pay Later), micro-lending and embedded finance
- Legal structuring of digital lending platforms, including mobile and app-based credit solutions
- Structuring and documentation of lending transactions, including secured and unsecured facilities
- Drafting and review of finance documents (loan agreements, facility agreements, security instruments)
- Regulatory advisory on banking, microfinance and fintech operations
- Perfection of securities including charges, debentures and guarantees
- Debt restructuring, recovery strategies and enforcement
Selected Experience:
- Advised digital credit providers on licensing and compliance under CBK frameworks
- Acted in structuring secured lending transactions for lenders and borrowers
- Facilitated registration and perfection of securities for financial institutions
- Supported fintech clients in structuring compliant digital lending operations
Sector Insight:
Kenya’s fintech sector continues to grow rapidly, with increasing regulatory oversight. Digital lenders and financial service providers must balance innovation with strict compliance requirements.