M-Shwari is a mobile banking plus lending app from Kenya, a country of 48 million with a commercial bank penetration of 5 per 10,000 adults (compared to a global average of 12 per 10,000 adults). Founded in 2012, M-Shwari today has 40 million users in 5 African countries and has disbursed USD 40 Billion in credits. This blog discusses the top 5 takeaways from their success.












