Category:

Business

Mwananchi Credit Offers Fast, Stress-Free Logbook Loans to Empower Kenyan Dreams

by Daily Trends February 3, 2026

Access to financing remains a major hurdle for many Kenyans. Even individuals with clear goals, viable projects, and good financial records often struggle to raise capital. As a result, promising ideas stall, businesses fail to expand, and personal ambitions are delayed. Reliable and accessible credit solutions are essential to unlocking economic growth and improving livelihoods.

Award-winning microfinance institution Mwananchi Credit is stepping in to close this financing gap by offering timely and practical loan solutions that help Kenyans turn their dreams into reality. With over five years of a strong and reputable track record, the company has built trust by providing customer-focused financial services designed for speed, convenience, and flexibility.

One of its standout products is the logbook loan, created specifically for vehicle owners who need quick access to funds without disrupting their daily routines. Under this arrangement, a customer’s vehicle logbook serves as security, but the client continues using the vehicle throughout the repayment period. This unique approach ensures borrowers maintain their mobility while accessing immediate liquidity for business or personal needs.

Qualifying for a logbook loan is straightforward. Applicants only need to be at least 18 years old, possess a valid driver’s license, and have comprehensive vehicle insurance. Mwananchi Credit offers some of the lowest interest rates in the Kenyan market, with approvals processed in less than six hours. Repayment terms are flexible, ranging from three to 24 months, and clients can access loans of up to KES 25 million.

Importantly, Mwananchi Credit is licensed by the Central Bank of Kenya, giving customers confidence in its credibility and regulatory compliance. The company also does not require a CRB rating, making financing accessible to a wider range of borrowers.

Beyond logbook loans, Mwananchi Credit provides additional financial products including check-off loans, title deed loans, import financing, and LPO loans. These diverse options ensure individuals and businesses can find solutions tailored to their unique financial needs.

With flexible terms and a customer-first approach, Mwananchi Credit is helping Kenyans fund their projects and move closer to financial independence.

February 3, 2026 0 comment

Business

Xiaomi Unveils REDMI Note 15 Series: REDMI Titan Durability Meets Advanced Imaging

by Zephany Warui Waweru January 30, 2026

written by Zephany Warui Waweru

Xiaomi today announced the launch of REDMI Note 15 Series, comprising three models — REDMI Note 15 Pro+ 5G, REDMI Note 15 Pro, and REDMI Note 15. Defined by REDMI Titan Durability, the lineup highlights long-lasting battery performance, reinforced drop resistance, and enhanced dust and water protection, alongside upgraded imaging capabilities, flagship-level performance, and a seamless user experience.

REDMI Titan Durability, Engineered for Everyday Challenges

Spanning every model, REDMI Titan Durability integrates a long-lasting battery experience, enhanced drop resistance, and comprehensive dust and water resistance — establishing a new durability standard for REDMI Note Series. REDMI Note 15 Pro+ 5G lead the lineup with the most advanced durability features, while all models are engineered to meet the demands of everyday use.

At the core of this upgrade is an enhanced battery experience. REDMI Note 15 Pro+ 5G features a 6,500mAh Silicon–Carbon (SiC) Battery with 10% SiC content, paired with 100W HyperCharge³ and 22.5W reverse charging⁴, delivering flagship-level endurance and fast charging. Making its debut in REDMI Note Series, SiC battery technology enables higher energy density within a compact form factor. Across all Pro models, the SiC battery works alongside Xiaomi Surge battery management system, retaining 80% or more capacity after 1,600 charge cycles, equivalent to approximately six years of typical use. REDMI Note 15 features an upgraded 6,000 mAh battery.¹ Reverse charging support across the lineup, including 22.5W or 18W depending on model, adds everyday convenience and flexibility.⁴

Structural durability is reinforced across the series. REDMI Note 15 Pro+ 5G achieved SGS Premium Performance Certification,⁵ verifying resistance to drops, crushing, and bending. Built on REDMI Titan Structure, both models combine a high-strength motherboard, reinforced mid-frame, and multi-layer shock-absorbing design, complemented by Corning® Gorilla® Glass Victus® 2 — together enabling certified drop resistance from heights of up to 2.5 meters.⁷ REDMI Note 15 Pro+ 5G further incorporates an ultra-tough fiberglass back panel²² to improve impact absorption without adding unnecessary weight³¹. The rest of the lineup features a durable structural design that has passed the SGS Comprehensive Shock and Drop-Resistance test,⁶ delivering dependable protection in real-world use.

To deliver comprehensive everyday protection, REDMI Note 15 Series raises the bar for dust and water resistance. REDMI Note 15 Pro+ 5G meet IP66, IP68, IP69, and IP69K standards⁸ and are certified to withstand immersion at depths of up to 2 meters for 24 hours⁹. Verified by the TÜV SÜD Smartphone Water-Resistant Endurance Certification,¹⁰ these models incorporate 17 precision-engineered waterproof elements to ensure long-term reliability. REDMI Note 15 Pro and REDMI Note 15 also feature enhanced dust and water resistance designed to handle splashes, spills, and challenging environments. Across the entire lineup, Wet Touch 2.0 ensures the display remains responsive even when the screen or fingertips are wet, allowing smooth operation in everyday conditions.

Elevated Imaging System with Advanced AI

Engineered to deliver exceptional clarity in every shot, REDMI Note 15 Series brings a holistic imaging upgrade to the entire lineup. By combining high-resolution sensors, versatile focal lengths, and advanced AI-empowered photography within its segment.

At the center of this upgrade, REDMI Note 15 Pro+ 5G features a new 200MP ultimate-clarity camera, powered by the global debut of a 200MP HPE image sensor. This large 1/1.4-inch sensor, together with 2× and 4× optical-level in-sensor zoom, triple-focal-length DAG HDR, and advanced AI processing, delivers detailed, true-to-life images across a wide range of lighting conditions.

The Pro models support five focal lengths from 23mm to 92mm through a single lens, enabling flexible framing for landscapes, street photography, portraits, and close-ups. Meanwhile, REDMI Note 15 features a 108MP super-clear camera system, offering a 3× optical-level telephoto experience that covers perspectives from wide-angle shots to portrait close-ups.

Across the series, imaging is further enhanced with creative and AI-powered tools, including an ultra-clear portrait algorithm, Dynamic shots 2.0 for motion effects, and easy editing with direct sharing to Instagram.²³ Post-processing is easier than ever, with REDMI Note 15 Pro models featuring AI Creativity Assistant¹¹, while REDMI Note 15 offer a suite of AI image editing tools¹² designed for everyday creativity. Across the entire series, AI Remove Reflection and AI Beautify are supported, enabling cleaner images and one-tap enhancements with minimal effort.

Upgraded Performance and Smarter Connectivity

Beyond durability and imaging, REDMI Note 15 Series delivers balanced performance for a wide range of usage scenarios. At the top of the lineup, REDMI Note 15 Pro+ 5G is powered by Snapdragon® 7s Gen 4 mobile platform and introduces Xiaomi IceLoop cooling system to REDMI Note Series, standing out as the only LHP cooling solution in its price segment and delivering triple the heat-transfer efficiency.³¹

Across the lineup, a new generation of Snapdragon and MediaTek chipsets delivers faster performance, smoother graphics, and improved energy efficiency. All models support Google Gemini¹³ and Circle to Search with Google¹⁴, delivering personalized interactions and convenient search. At the top of the series, REDMI Note 15 Pro+ 5G further integrates Xiaomi HyperAI¹², delivering more personalized and intelligent AI experiences.¹²

For enhanced connectivity, the flagship-level Xiaomi Offline Communication is introduced on the Pro models,¹⁵ enabling kilometer-level voice transmission even without network coverage. REDMI Note 15 Pro+ 5G further benefits from Xiaomi Surge T1S Tuner, delivering stronger and more stable connectivity across Wi-Fi, Bluetooth®, GPS, and cellular networks.³¹

Immersive Experience With Large Display and Powerful Audio

REDMI Note 15 Series offers an upgraded immersive viewing experience with larger displays and improved clarity. REDMI Note 15 Pro+ 5G features a 6.83-inch displays, while REDMI Note 15 Pro, REDMI Note 15 comes equipped with 6.77-inch displays, delivering wide, near-borderless views. With up to 3,200 nits peak brightness, 3840Hz PWM dimming, and triple eye-care certifications, the series ensures both visibility and comfort in various lighting conditions.

Complementing the display, REDMI Note 15 Pro+ 5G introduces a 400% volume boost,¹⁶ while the rest of the lineup offers a 300% volume boost, delivering louder, clearer audio for movies, music, and games.¹⁷

Positioned to meet the diverse needs of users worldwide, REDMI Note 15 Series delivers a well-rounded combination of durability, imaging, performance, and display enhancements. Built on the trusted foundation of REDMI Titan Durability, the lineup is designed to withstand the demands of daily use while delivering high-quality imaging, smooth performance, and a seamless user experience.

Price, Availability, and Promotion²⁴

REDMI Note 15 Pro+ 5G comes in Mocha Brown, Glacier Blue, and Black,¹⁸ with three storage variants.²⁰ Suggested retail price starts from KES 54999/-

REDMI Note 15 Pro comes in Titanium Color¹⁹, Glacier Blue, and Black,¹⁸ with three storage variants.²⁰ Suggested retail price starts from KES 36999/-

REDMI Note 15 comes in Glacier Blue, Purple, Forest Green, and Black,¹⁸ with four storage variants²⁰. Suggested retail price starts from KES 24,999/-

To celebrate the launch of the REDMI NOTE 15 Series, Xiaomi Kenya is offering exciting promotions for its customers. With the purchase of a REDMI NOTE 15 or REDMI NOTE 15 Pro, customers will receive a FREE Redmi Buds 6 Play worth KES 1,600. Those who purchase the REDMI NOTE 15 Pro+ 5G (worth KES 49,999) will also enjoy exclusive benefits.

In collaboration with Onfon, Xiaomi Kenya introduces the Flexible Lipa Pole Pole plan for the REDMI NOTE 15 Series, offering 5% discount on deposit and 15% on Installments, which is one of the most best offers in the market.

Additionally, in partnership with Safaricom, customers can unlock up to 15GB of data, an exclusive offer available across all Safaricom stores nationwide.

The REDMI NOTE 15 Series is now available at all Xiaomi Partner Stores, Safaricom outlets, and online via Mi.com/KE and Jumia, with a FREE 24+1 months warranty for added peace of mind.

Beyond smartphones, Xiaomi Kenya is expanding its portfolio of AIoT and smart products, including TVs, wearables, smart home appliances, audio devices, and connected lifestyle solutions, all designed to enhance everyday living.

To continue the momentum of the Titan Durability theme, Xiaomi will also host a Mini Marathon on 21st February. More details will be on Xiaomi Kenya Social Media

Product images are available here.

REDMI Note 15 Series Quick Specs

Pro models:

	REDMI Note 15 Pro+ 5G	REDMI Note 15	REDMI Note 15 Pro
Design	Colors:¹⁸ Mocha Brown, Glacier Blue, BlackDimensions:²⁵163.34mm x 78.31mm x 8.47mm (Mocha Brown)163.34mm x 78.31mm x 8.19mm (Black, Glacier Blue)Weight:²⁵208.0g (Mocha Brown)207.1g (Black, Glacier Blue)IP66/IP68/IP69/IP69K dust and water resistance⁸	Colors:¹⁸ Glacier Blue, Purple, Forest Green, BlackDimensions: 164.03mm x 75.42mm x 7.94mm²⁵Weight: 183.7g²⁵ IP64 dust and water resistance⁸	Colors:¹⁸ Titanium Color,¹⁹ Glacier Blue, BlackDimensions: 163.22mm x 76.29mm x 7.96mm²⁵Weight: 195g²⁵IP65 dust and water resistance⁸
Camera	200MP main camera2×/4× optical-level telephotoOISf/1.72.24μm 16-in-1 pixel binning1/1.4″ sensor size7P lens8MP ultra-wide cameraf/2.232MP front cameraf/2.2	108MP main camera3× optical-level telephotof/1.70.64μm, 9in1 1.92μm1/1.67″ sensor size6P lens2MP depth cameraf/2.420MP front camera f/2.2	200MP main camera2×/4× optical-level telephotoOISf/1.7 2.24μm 16-in-1 pixel binning1/1.4″ sensor size7P lens8MP ultra-wide cameraf/2.232MP front cameraf/2.2
AI Features	Xiaomi HyperAI¹²AI Writing, AI Speech Recognition, AI Interpreter, AI Search, AI Dynamic Wallpapers, AI Creativity Assistant¹¹, and moreGoogle Gemini,¹³ Circle to Search with Google¹⁴	AI image editing tools¹² AI Erase, AI Remove Reflection, AI Sky, AI Bokeh, AI Beautify Google Gemini,¹³ Circle to Search with Google¹⁴	AI Creativity Assistant¹¹AI Erase Pro, AI Remove Reflection, AI Image Expansion, AI Sky, AI Bokeh, AI Image Enhancement, AI Beautify, AI Film, and more.Google Gemini,¹³ Circle to Search with Google¹⁴
Display	6.83″ CrystalRes AMOLED displayResolution: 1.5K (2772 x 1280)Refresh rate: Up to 120HzBrightness: 3200 nits peak brightnessColor depth: 12-bitContrast ratio: 8,000,000:1DCI-P3 wide color gamutCorning® Gorilla® Glass Victus® 2Touch sampling rate: Up to 480HzInstantaneous touch sampling rate: 2560Hz²⁶HDR10+ \| Dolby Vision®3840Hz PWM Dimming \| 16,000-step automatic brightness adjustmentTÜV Rheinland Low Blue Light (Hardware Solution) Certification \| TÜV Rheinland Flicker Free Certification \| TÜV Rheinland Circadian Friendly Certification	6.77″ AMOLED displayResolution: 2392 x 1080 Refresh rate: Up to 120Hz Brightness: 3200 nits peak brightnessColor depth: 12-bitContrast ratio: 8,000,000:1DCI-P3 wide color gamutTouch sampling rate: 240Hz 3840Hz PWM Dimming \| 16,000-step automatic brightness adjustment TÜV Rheinland Low Blue Light (Hardware Solution) Certification \| TÜV Rheinland Flicker Free Certification \| TÜV Rheinland Circadian Friendly Certification	6.77″ AMOLED displayResolution: 2392 x 1080 Refresh rate: Up to 120Hz Brightness: 3200 nits peak brightnessColor depth: 12-bitContrast ratio: 8,000,000:1DCI-P3 wide color gamutCorning® Gorilla® Glass Victus® 2 Touch sampling rate: 240Hz3840Hz PWM Dimming \| 16,000-step automatic brightness adjustmentTÜV Rheinland Low Blue Light (Hardware Solution) Certification \| TÜV Rheinland Flicker Free Certification \| TÜV Rheinland Circadian Friendly Certification
Performance	Snapdragon® 7s Gen 4 Mobile Platform4nm manufacturing process technologyCPU: Octa-core processor, up to 2.7GHzGPU: Adreno GPULPDDR4X + UFS2.2 storage8GB + 256GB, 12GB + 256GB, 12GB + 512GB²⁰Xiaomi Offline Communication¹⁵Xiaomi Surge T1S TunerPowered by Xiaomi HyperOS²⁷	MediaTek Helio G100-Ultra6nm manufacturing process technologyCPU: Octa-core processor, up to 2.2GHzGPU: Mali-G57 MC2LPDDR4X + UFS2.2 storage6GB + 128GB, 8GB + 128GB, 8GB + 256GB, 8GB + 512GB²⁰ Powered by Xiaomi HyperOS²⁷	MediaTek Helio G200-Ultra6nm manufacturing process technologyCPU: Octa-core processor, up to 2.2GHzGPU: Mali-G57 MC2LPDDR4X + UFS2.2 storage8GB + 256GB, 12GB + 256GB, 12GB + 512GB²⁰Xiaomi Offline Communication¹⁵Powered by Xiaomi HyperOS²⁷
Battery & Charging	6500mAh (typ) batterySilicon-Carbon Battery100W HyperCharge³22.5W reverse charging⁴	6000mAh (typ) battery33W turbo charging³ 18W reverse charging⁴	6500mAh (typ) battery Silicon-Carbon Battery45W turbo charging³ 18W reverse charging⁴
Audio	Dual speakers400% volume boost¹⁶Dolby Atmos® \| Hi-Res	Dual speakers300% volume boost¹⁷ Dolby Atmos® \| Hi-Res	Dual speakers300% volume boost¹⁷Dolby Atmos® \| Hi-Res
Connectivity	Wi-Fi 6E capability²⁸Dual SIM (nano SIM + nano SIM or nano SIM + eSIM)³²Supports NFC²⁹Bluetooth® 5.4Bands³⁰2G: GSM: 2/3/5/83G: WCDMA: 1/2/4/5/6/8/194G: LTE FDD: 1/2/3/4/5/7/8/12/13/17/18/19/20/26/28/32/66/714G: LTE TDD: 38/40/41/42/485G: n1/2/3/5/7/8/12/20/26/28/38/40/41/48/66/71/77/78	2.4GHz Wi-Fi \| 5GHz Wi-Finano SIM 1 + Hybrid (nano SIM or microSD)Supports NFC²⁹ Bluetooth® 5.3Bands³⁰2G: GSM: 850/900/1800/1900MHz 3G: WCDMA: 1/2/4/5/6/8/19 4G: LTE FDD: 1/2/3/4/5/7/8/12/13/17/18/19/20/26/28/66 4G: LTE TDD: 38/40/41	2.4GHz Wi-Fi \| 5GHz Wi-Finano SIM 1 + Hybrid (nano SIM or microSD)Supports NFC²⁹Bluetooth® 5.3Bands³⁰2G: GSM: 850/900/1800/1900MHz 3G: WCDMA: 1/2/4/5/8/6/194G: LTE FDD: 1/2/3/4/5/7/8/12/13/17/18/19/20/26/28/664G: LTE TDD: 38/40/41
Security	In-screen fingerprint sensorAI face unlock	In-screen fingerprint sensor AI face unlock	In-screen fingerprint sensorAI face unlock

Disclaimers

¹ REDMI Note 15 Pro+ 5G’s battery typical capacity is 6500mAh; REDMI Note 15 Pro’s battery typical capacity is 6500mAh; REDMI Note 15’s battery typical capacity is 6000mAh.

² This is based on theoretical calculations using test data from Xiaomi Internal Labs, simulating daily user habits (one full charge and discharge every 1.5 days). The battery retains 80% or more of its capacity after 1600 battery life cycles, corresponding to over 6 years of typical usage. Actual results may vary depending on testing conditions and usage habits.

³ Please consult the local seller on the availability of the power adapter in the box.

⁴ Supports up to 22.5W (REDMI Note 15 Pro+ 5G and REDMI Note 15 Pro 5G) or 18W (REDMI Note 15 Pro, REDMI Note 15 5G, and REDMI Note 15) wired reverse charging, compatible with devices verified through Xiaomi Internal Labs testing. Actual performance may vary depending on battery conditions and other factors. When using this feature, please ensure your phone has sufficient battery and verify the compatibility of the receiving device.

⁵ The product has obtained SGS 5-stars Premium Performance Certification, indicating that it meets the SGS technical standards for drop resistance, bending resistance, and compression resistance. As a precision electronic product, there is still a risk of damage if the phone falls. Please be careful to avoid drops or collisions.

⁶ The product has passed the SGS Comprehensive Shock & Drop-resistance test.

⁷ The 2.5-meter drop resistance data is certified by SGS. The phone can withstand a drop from a height of 2.5 meters onto a smooth granite surface under SGS-standard testing conditions. Actual results may vary. As a precision electronic device, the phone is still at risk of damage if dropped. Please be careful to avoid drops and collisions.

⁸ The device is certified to be water and dust resistant exclusively under specific laboratory conditions, not corresponding to normal use conditions. The warranty does not cover liquid damage caused by conditions other than test conditions. Ingress protection might deteriorate due to wear and tear, physical damage, and/or disassembly needed for repair. For more information, please see Xiaomi’s official website.

⁹ Please note that the test conditions of water resistance include: submersion in static freshwater up to a depth of 2 meters, up to 24 hours, water temperature with a variance of no more than 5°C compared to the device temperature. Such water resistance features only pertain to specific conditions tested in a laboratory environment, which do not correspond to normal usage conditions by consumers.

¹⁰ The product has passed the TÜV SÜD Smartphone Water-resistant Endurance Certification, meeting 8 test categories based on the PPP: CCB05071A:2025 testing standard. Certificate number: Z2GCN 099551 0585 / Z2GCN 099551 0584 Rev.00. This product is not a professional waterproof device. Its water and dust resistance is not permanent, and protective performance may degrade over time due to daily wear and tear. Do not charge the device while it is wet. Damage caused by liquid immersion is not covered under the warranty.

¹¹ Some of the AI Creativity Assistant features require an internet connection, and may vary by system software and Gallery Editor app versions. Please refer to actual use experience.

¹² Availability of AI features may vary based on region and model. Please check your local website for more information. An internet connection is required. Check responses for accuracy.

¹³ Google and Gemini are trademarks of Google LLC. Check responses. Set up required. Compatibility and availability vary.

¹⁴ Available on select devices, and an internet connection is required. Works on compatible apps and surfaces. Results may vary depending on visual matches. Google is a trademark of Google LLC.

¹⁵ Xiaomi Offline Communication requires a SIM card and a logged-in Xiaomi account to function. It supports kilometer-level voice calls in open, unobstructed environments. This feature is only available for devices that support Xiaomi Offline Communication. Feature availability may vary by region; please consult local resellers for more details. Actual call quality may vary depending on environmental conditions. Please refer to your actual experience. This feature is not designed or intended for emergency or life-saving communications.

¹⁶ Data compared with the previous generation of each model, respectively. Actual effects may vary due to software and scenarios. Please refer to the actual use.

¹⁷ Data tested by Xiaomi Internal Labs, 300% volume boost refers to 17 levels of volume compared to 15 levels, and actual effects may vary due to software and scenarios. Please refer to the actual use.

¹⁸ Color and material availability may vary between markets.

¹⁹ The term “Titanium Color” refers solely to the product’s color and surface appearance. It does not indicate that the product contains titanium or titanium alloy materials.

²⁰ Available storage and RAM are less than the total memory due to the storage of the operating system and software pre-installed on the device.

²¹ Data obtained from Xiaomi Internal Labs. Actual results may vary. Black and Glacier Blue measure 7.35mm, while Mist Purple measures 7.4mm. Thickness does not include camera bumps or other protrusions. Actual measurements may vary slightly depending on testing methods and environmental conditions.

²² Fiberglass back design available on Black and Glacier Blue.

²³ Feature available via OTA, availability may vary depending on software version, apps, and phone model. Please refer to the actual use.

²⁴ Prices and promotions for different markets may vary due to VAT, taxes, and other factors.

²⁵ Data tested by Xiaomi Internal Labs, actual results may vary.

²⁶ Activated in Game Turbo mode.

²⁷ Availability of Xiaomi HyperOS features, apps, and services may vary depending on region, software version, and phone model.

²⁸ Wi-Fi 6E/Wi-Fi 6 capability may vary based on regional availability and local network support. Wi-Fi connectivity (including Wi-Fi frequency bands, Wi-Fi standards, and other features as ratified in IEEE Standard 802.11 specifications) may vary based on regional availability and local network support. The function may be added via OTA when and where applicable.

²⁹ NFC availability may vary between markets.

³⁰ Connectivity and network bands may vary based on region availability and local operator support.

³¹ Data tested by Xiaomi Internal Labs, compared to REDMI Note 14 Pro+ 5G.

³² Use of eSIM requires a wireless service plan. This service plan may be subject to certain restrictions on use, on switching service providers, and roaming (even after contract expiration). eSIM availability may vary depending on country/region and carrier. For more details, please contact your carrier for more information.

³³ Sales partners and available promotions may vary by market. Please refer to local information for sales availability.

January 30, 2026 0 comment

Business

Automate your monthly bills to keep your budgets on track

by Daily Trends January 27, 2026

written by Daily Trends

Many Kenyans still rely on manual processes to manage recurring payments like SACCO contributions, rent, school fees, water and loan repayments. While this approach may have worked in the past, it often leads to missed deadlines, unnecessary stress, and wasted time.

Imagine: It is the start of the month, and Mary, a SACCO member, is in a familiar bind. She is rushing to the bank to deposit her monthly savings, only to realize she is late and may face penalties which could strain her budget due to extra charges.

Across town, John, a tenant, is scrambling to transfer his rent before his landlord starts calling. Meanwhile, Susan, a parent, is juggling school fees payments in instalments, unsure if she can keep up.

These stories reflect the struggles of many Kenyans. But what if there was a way to take the hassle out of these financial obligations?

What if you could avoid the stress of remembering payment deadlines, late payments, and the inconvenience of endless queues? That is where a standing order comes in, a simple yet powerful tool that is transforming how we manage our money.

What is a Standing Order?

Think of a standing order as your personal financial assistant, it is there to make your life easier. It is an instruction you give to your bank, for instance Equity Bank, to automatically transfer a set amount of money from your account to another account at regular intervals, be it weekly, monthly, or quarterly.

It is the ultimate “set it and forget it” solution for managing your financial commitments.

Why Standing Order Matter

Whether you are an individual with a single or joint account, a SACCO member, or a small business owner managing recurring expenses, standing order offers a convenient way to ensure your payments are always on time.

Unlike manual processes, which are not only inconvenient but also costly, standing orders save time, reduce stress, and eliminate the risk of penalties for missed payments. For SACCOs and banks, automating transactions reduces operational strain, shortens queues, and cuts down on paperwork.

For instance, Mary can automate her SACCO contributions, ensuring she stays on track with her savings goals John can avoid the embarrassment of late rent payments, and Susan can rest easy knowing her children’s school fees are taken care of. As a borrower, you can also maintain a good credit record by automating your loan repayment, ensuring no delays harm your credit score.

How to Set Up a Standing Order

Setting up a standing order at Equity Bank is simple and convenient. Use Equity Mobile App or Equity for Individuals, click transact and select Schedule payment.

Here is what you will need: Payment details: Your account number and the beneficiary’s bank and account details.

Frequency: Decide how often payments should be made, weekly, monthly, or quarterly.

Start date: Choose when the automatic deductions should begin.

Amount: Specify the amount to be deducted each time.

Beneficiary account: Provide the account where the money will be disbursed. Once you have entered these details, you are good to go.

The Bigger Picture: Financial Discipline Made Easy
A standing order is more than just a feature; it is a financial habit enabler.

It instils discipline by ensuring your savings and payments are consistent. It provides peace of mind by taking the stress out of managing recurring obligations. And it offers convenience by reducing the need for branch visits and paperwork.

Imagine a life where your SACCO contributions, rent, school fees, and loan repayments are all handled automatically, no more stress, no more missed deadlines. Just financial freedom and control.

With Equity, you can automate your payments at the click of a button and focus on what truly matters. Take control of your finances today and enjoy the freedom and peace of mind that comes with automated payments.

January 27, 2026 0 comment

Business

Why life assurance should be your first step in financial planning

by Daily Trends January 23, 2026

written by Daily Trends

For many Kenyan households, financial planning often starts with saving, budgeting, or investing. Yet financial experts opine that the most important step comes earlier: securing life assurance.

It is the safety net that protects everything else; your income, your dependants, and the goals you have set as a family.

Without life assurance, a single emergency can undo years of progress. An unexpected illness, the loss of a breadwinner, or a sudden disruption in income can drain savings, force the sale of assets, or plunge families into debt.

With community contributions, medical fundraisers and burial costs becoming a routine in societies, the emotional and financial toll is evidently devastating to many people.

Life assurance provides a cushion. It ensures dependants remain financially stable even when income is interrupted. It covers immediate needs, preserves dignity, and protects long-term plans such as education or home ownership.

Life Assurance protects education by guaranteeing that school fees continue to be paid even if the parent or breadwinner passes away, ensuring children’s learning is never interrupted.

It also safeguards home ownership by covering outstanding mortgages or home loans, thus preventing families from losing their homes during sudden financial disruptions.

Unlike traditional savings, which can be depleted quickly, life assurance provides a structured payout when it matters most.

Many families also rely on life assurance as a disciplined way to build long-term savings. Certain policies combine protection with a savings element, allowing households to plan milestone events, children’s education, emergencies, or retirement, while enjoying the security of insurance cover.

Equity Insurance has focused on offering life solutions that are simple to understand, accessible to everyday families, and aligned to real financial needs.
What Equity Insurance offers in Life Assurance
Equity has positioned itself around four key life assurance pillars that reflect what Kenyan families ask for.

Family Protection Covers

These ensure that dependants are financially secure in the event of death or permanent disability of the breadwinner. Benefits typically cover living expenses, education needs, and other critical family obligations.

Education policies

These allow parents and guardians to save consistently for a child’s future while remaining protected. Should anything happen to the parent, the insurer continues paying premiums, ensuring the child’s education plan is uninterrupted.

Credit life cover

This protects borrowers by ensuring that loans are automatically settled if the insured person passes away or becomes permanently disabled. It prevents families from inheriting debt.

Investment-linked life policies

These combine insurance protection with a savings or investment component, helping customers grow wealth over time while staying protected against risks.
Across these options, Equity also offers flexible premium payment plans.

Instead of paying a full year upfront, customers can spread payments over manageable instalments, a major advantage for salaried workers and small business owners juggling multiple financial commitments.

Dedicated bancassurance officers in Equity branches further assist customers in choosing the right type of cover, explaining benefits, clearing misconceptions, and ensuring that policies match each customer’s income level and goals.

As the cost of living rises and financial uncertainties increase, say life assurance is no longer optional. It is the foundation of responsible financial planning. It safeguards progress, preserves dignity, and ensures that one emergency doesn’t erase years of effort.
Life assurance is not for later; it is for now.

With accessible products and flexible payment structures, you can take the first step towards securing financial future today and protect the plans you are working so hard to build.

To get started visit any Equity Branch near you
Learn more visit: Insure with Equity | Equity Bank Kenya

January 23, 2026 0 comment

Business

Why Counties Must Come on Board to Help Kenya Reach Five Million Tourists by 2028

by Daily Trends January 23, 2026

written by Daily Trends

By Rebecca Miano, Cabinet Secretary for Tourism and Wildlife

Kenya has set an ambitious but achievable target: attracting at least five million international tourists annually by 2028. This goal is not merely about increasing visitor numbers; it is about growing tourism revenue, expanding employment opportunities, and positioning tourism as a central pillar of inclusive economic growth. Achieving this target, however, will require a united national effort—one in which county governments play a leading role.

Tourism is a devolved opportunity. While the national government provides policy direction, international marketing, and strategic coordination, the tourism products that visitors experience are located within counties. Wildlife, landscapes, cultural heritage, adventure experiences, festivals, and community-based tourism initiatives are all managed at the county level. For Kenya to reach five million visitors by 2028, counties must actively come on board as partners in tourism development, promotion, and investment.

For too long, Kenya’s tourism performance has relied on a narrow product base, primarily wildlife safaris and coastal tourism. These products remain vital, but they alone cannot deliver the scale of growth required to meet our national targets. Many countries possess unique and compelling attractions that remain underdeveloped, under-promoted, or disconnected from national marketing efforts. Unlocking these assets through deliberate county action is essential to expanding Kenya’s tourism offering and competitiveness.

County governments must therefore prioritize tourism within their development agendas. This means integrating tourism diversification into County Integrated Development Plans, allocating adequate resources to product development, and creating enabling policy environments that attract private sector investment. Counties should focus on developing all-season tourism products that reduce seasonality, lengthen visitor stays, and spread tourism benefits more equitably across regions.

Data-driven planning will be central to this effort. The ongoing national tourism product mapping exercise is designed to provide counties with reliable data on tourism assets, gaps, and opportunities. Counties are encouraged to fully participate in this exercise and use the findings to guide infrastructure development, product management, and targeted marketing. Effective policy decisions must be grounded in evidence, not assumptions.

Equally important is destination branding. Counties must clearly define and promote their unique tourism identities while aligning with the national Magical Kenya brand. Strong county brands enhance the national brand by presenting Kenya as a diverse, multi-experience, year-round destination. Coordinated branding and marketing between national and county governments will be critical to attracting new markets and increasing repeat visitation.

Tourism growth is also a jobs agenda. As we work toward five million tourists by 2028, the sector has the potential to significantly expand employment, particularly for young people. Counties can support this by promoting youth entrepreneurship, digital tourism innovation, skills development, and community-based tourism enterprises.

Ultimately, reaching five million tourists by 2028 is a shared responsibility. National government cannot achieve this goal alone. I therefore call upon county governments to come on board fully—through policy alignment, investment, innovation, and collaboration. Together, we can unlock Kenya’s full tourism potential, grow arrivals and revenue, and ensure tourism delivers lasting benefits for our people and our economy.

January 23, 2026 0 comment

Business

Smart Tips for First-time Car Buyers in Kenya

by Daily Trends January 20, 2026

written by Daily Trends

Buying the first car often begins with excitement, scrolling through listings late at night, watching several car review videos, imagining weekend road trips, and picturing the freedom of no longer relying on matatus or ride-hailing apps.

But for many first-time buyers, the dream can quickly tangle with frustration. It might be the shock of hidden costs no one warned you about. Or walking into a dealership only to realize the “good deal” online looks like nothing the car parked in the yard. For some, it’s being handed over a long list of documents they’ve never heard of. Others get stuck between banks offering confusing financing terms or sellers pushing them to make decisions too fast.

In Kenya, many car owners will tell you buying your first car is not just a financial commitment, it’s an emotional journey full of learning moments, near-mistakes, and, for some, very expensive lessons. Whether you’re navigating it alone, leaning on advice from friends, or trying to decode online reviews, the process can feel overwhelming.

However, with the right preparation and a reliable financing partner, first-time car buyers can avoid the common traps and drive home with confidence, not regret. If you’re eyeing your first car, keeping these essentials in mind is critical to avoiding future regrets:

1. Set a realistic budget

Car buying is a one-time process, but car ownership is a long-term commitment. Before visiting a dealership or browsing online, work out what you can comfortably afford. Consider not just the purchase price, but insurance, fuel, service, taxes, parking, and, if financing, interest.

Many first-time buyers underestimate these costs and only realize later that the car is straining their monthly budget.

This is where Equity Asset Finance plays a key role. Equity allows flexible repayments on both the vehicle and insurance, enabling first-time buyers to spread costs in a predictable way that aligns with their income, reducing financial pressure from the very start.

2. New or used? Decide what fits your needs

New cars offer reliability and warranties but come at a higher cost. Used cars are more affordable but require careful inspection. First-time buyers are encouraged to consider popular models with readily available spare parts and strong service networks, making ownership easier and less costly in the long run.

3. Research, compare, and don’t rush

Take your time. Visit multiple dealerships, compare prices, and read reviews. A well-informed buyer has stronger negotiating power. The same principle applies to financing. Understanding your options ensures you choose terms that support, rather than strain, your finances.

4. Inspect thoroughly; preferably with a mechanic

For second-hand vehicles, inspection is non-negotiable. Check the engine, suspension, tyres, brakes, and service history. Hiring a trusted mechanic can help uncover hidden issues and protect you from costly mistakes after purchase.

5. Verify all legal documents

Always confirm the logbook is genuine, check for outstanding loans, and verify ownership via the NTSA portal. Many buyers get trapped by vehicles with hidden liabilities. Today, ownership transfer is done online, and the buyer must accept the transfer on their NTSA portal for the vehicle to be registered in their name. If the name on the logbook does not match the seller, that is a major red flag.

With Equity Asset Finance, the bank’s legal and operations teams facilitate and oversee this documentation process, significantly reducing the risk and administrative burden for first-time buyers.

6. Understand financing options

If buying on credit, critically examine loan terms. Look at monthly repayments, fees, and the total cost over time. Equity Bank offers up to 100% asset finance, allowing both salaried and business customers to apply using pay slip or bank statements. Repayments are matched to cash flow, and customers have the flexibility to clear their loans early without penalties.

For first-time buyers, this flexibility removes uncertainty and makes car ownership more manageable and sustainable.

7. Don’t be rushed into a deal

Salespeople often create artificial urgency to push quick decisions. Take time to think, walk away if unsure, and be ready to negotiate. In Kenya, bargaining is part of the buying culture and a rushed decision often leads to regret.

8. Consider future resale value

Choose models with strong resale value. Ex – Japan vehicles tend to retain value better, helping reduce the long-term cost of ownership and making it easier to upgrade in the future.

9. Insurance is mandatory; choose wisely

Always compare insurance options beyond price. It is also important to consider the claim settlement history, coverage limits, and reliability. Third-party insurance is cheaper but only covers damage to others, not your own vehicle.

Through Equity Bancassurance, customers can access competitive comprehensive insurance premiums, ensure proper protection while keeping insurance costs affordable and conveniently bundled with vehicle financing.

10. Learn basic maintenance

Routine maintenance keeps your car reliable and preserves its value. Basic knowledge helps you avoid being misled on repairs and allows you to make informed decisions. Follow service schedules, use trusted service centers, and keep proper records of all maintenance work.

In conclusion

Buying your first car doesn’t have to be stressful or confusing. With proper research, a clear budget, verified documentation, and an understanding of financing and insurance options, first- time buyers can avoid common pitfalls and enjoy the freedom that comes with vehicle ownership.

In the long run, a smart car purchase isn’t just about getting a good price; it’s about securing long-term peace of mind. With Equity Asset Finance, first-time buyers gain not just funding, but structured support, flexibility, and confidence throughout their car ownership journey.

January 20, 2026 0 comment

Business

Why SMEs Need Tailored Digital Banking Solutions

by Daily Trends January 20, 2026

written by Daily Trends

The evolution of SME banking has for a long time been tied around technology, but many business owners are left to figure it out on their own. Rather than adapting to evolving business needs and market dynamics, SMEs often find themselves A/B testing various tech products without first diagnosing the underlying issues they need to solve.

This trial-and-error approach not only wastes your time as a businessperson and resources but also leaves you frustrated with tools that fail to address your core challenges.

Let us agree. For Kenya’s SMEs, digital banking is more than a convenience; it is a catalyst for growth. By simplifying financial operations and providing the tools needed to scale, these platforms empower businesses to focus on what truly matters: creating value, expanding their reach, and driving economic progress.

Picture this: As a business owner, you start your day juggling multiple tasks and multiple platforms, from processing supplier payments, managing cash flow, ensuring payroll is ready, and smooth operations across multiple teams or locations to responding to customer inquiries. By mid-morning, you are already behind schedule, caught up in a maze of manual processes and financial bottlenecks. For many small and medium-sized enterprises (SMEs) in Kenya, this is the daily reality.

The Growing Pains of Success

Data from the Kenya Association of Manufacturers (KAM) shows that over 60 percent of SMEs face significant cash flow challenges due to delayed payments. The lack of access to real-time financial data also leaves many business owners making decisions based on incomplete or outdated information, further hindering growth.

Building a Foundation for Growth

For SMEs, growth is thus sustainable when built on a strong financial foundation. Digital banking platforms provide these capabilities by:

Automating repetitive tasks like payroll and supplier payments
Providing real-time insights into cash flow and financial health
Offering flexibility to manage accounts anytime, anywhere

Take, for example, the rise of cross-border trade under the African Continental Free Trade Area (AfCFTA). SMEs engaging in regional trade need banking solutions that facilitate international transactions seamlessly. Digital platforms make it easier to process payments in multiple currencies, enabling businesses to expand their reach across borders.

Equity Online for Business

Among the digital platforms transforming SME operations in Kenya, Equity’s online banking solution for business, Equity Online for Business (formerly EazzyBiz), stands out as a tailored solution that addresses these challenges head-on. By automating processes, integrating with existing systems, and offering real-time data, it helps you to overcome the operational hurdles that come with growth. Features like bulk payments, cash flow management tools, and international transaction capabilities make it a valuable resource for SMEs looking to scale.

Beyond operational efficiency, Equity Online for Business empowers SMEs to make smarter financial decisions. By providing access to real-time insights and detailed analytics, these tools allow you to monitor cash flow trends, identify growth opportunities, and mitigate risks before they escalate. Additionally, the ability to integrate seamlessly with other financial systems ensures that you can scale without overhauling your existing processes, making it a cost-effective and future-proof solution.

While digital banking solutions like Equity Online for Business are transforming how SMEs operate, the broader shift toward digital financial services signals a significant change in Kenya’s business landscape. SMEs that adopt these tools are better positioned to compete in an increasingly interconnected world.

January 20, 2026 0 comment

Business

Back-to-School is Now Stress-Free with Prepaid Card for Students

by Daily Trends January 15, 2026

written by Daily Trends

The back-to-school season is exciting, but let’s be honest; it can also be overwhelming for parents. Between buying uniforms and books, paying school fees, and making sure your child has everything they need, the costs can quickly pile up.

And then there’s the drama. Children are frantically looking for missing socks, school fees somehow feel like a mortgage, and suddenly your youngest must have a new bag because “everyone else does.”

Add the challenge of managing pocket money for a child stepping into a new world of independence, and it’s easy to see why many parents feel the pressure. From “I lost my money” to “I need more, Mum,” pocket money stories are all too familiar.

You can avoid the stress. This year, say goodbye to cash hassles, lost pocket money, and awkward calls from school asking for transport fare. An Equity Bank Prepaid Card for students offers a smarter, safer solution.

For parents of new students, managing pocket money can be especially tricky. It’s their first time away from home, and excuses often come thick and fast: “I lost it,” “Someone took it,” or “I spent it by mistake.”

The same applies to older students, too. We’ve all heard stories like, “I washed my wallet in my trousers.” With a prepaid card, your child can pay for lunch, transport, or school supplies without the risk of losing cash. It’s secure, convenient, and eliminates excuses altogether.

The prepaid card offers unmatched convenience. From buying books at the school store to grabbing a snack at the canteen, they simply swipe, tap, or insert the card. No more last-minute ATM runs or scrambling for loose change.

The Equity Prepaid Card is more than a payment tool – it’s a practical way to teach financial discipline. You load a set amount, and your child learns how to budget and prioritize spending. If they spend everything on snacks by midweek, it becomes a valuable lesson in planning ahead.

Benefits of the Equity Prepaid Card

Easy to Load: Top up instantly via the Equity Mobile App, online banking, USSD *247#, Equitel, M-Pesa, or by visiting an Equity Bank branch or agent near you.

Monitor Spending: Track how your child uses the card and address any unusual spending habits early.

Set Spending Limits: You control how much is available, giving your child independence with built-in boundaries.

Let’s face it – kids love anything that makes them feel grown-up. Paying with a prepaid card is sleek, modern, and definitely “cool.” They enjoy the independence, while you enjoy peace of mind.

For parents, the Equity Prepaid Card makes transactions in school smooth and stress-free. For others, it’s an easy way to simplify the back-to-school season while teaching children the value of money.

Back-to-school is now stress-free with the Equity Prepaid Card for students – no lost pocket money and no endless calls asking for transport fare. The card is available to both Equity Bank account holders and non-account holders.

Visit our website, click on Equity Prepaid Cards, visit your nearest Equity Bank branch, or call 0763 000 000 to get started.

January 15, 2026 0 comment

Business

Safaricom Explains How SHA Can Deduct M-PESA Funds Without PIN, Sparks Privacy Debate

by Daily Trends January 13, 2026

written by Daily Trends

Safaricom has moved to clarify how the Social Health Authority (SHA) can deduct money from M-PESA accounts without prompting users to enter their PIN, following public concern over automatic deductions linked to the Lipa Mdogo Mdogo health insurance service.

The clarification came after an M-PESA user took to social media on Monday, January 12, 2026, questioning how funds were being withdrawn from his account without his direct authorization at the time of payment.

The user, identified on X as @UCollince, said the deductions began shortly after he enrolled in SHA’s Lipa Mdogo Mdogo contribution plan.

“Good morning @SafaricomPLC. Kindly explain how @_shakenya is able to deduct money from our M-PESA accounts without prompting us to enter our PIN. This started happening after we registered for the Lipa Mdogo Mdogo service. We need clarification on how this authorization works,” he wrote.

The post quickly gained traction online, with many Kenyans expressing unease over what they perceived as silent deductions from their mobile wallets, raising broader questions about consent, transparency, and data security.

Safaricom Responds

In response, Safaricom explained that the deductions occur when a customer has activated M-PESA Ratiba, the telco’s standing order feature, and has granted SHA permission to auto-deduct contributions.

“Hello Collince, apologies for that. If you have activated M-PESA Ratiba, which is a standing order service on M-PESA, and enabled SHA to auto-deduct, this can happen without prompting for the PIN,” Safaricom stated.

However, the user disputed Safaricom’s explanation, arguing that his mother never activated M-PESA Ratiba, yet her money was being deducted without her authorization.

Safaricom did not respond to that concern.

My mother didn't activate that.
— unclecollince (@UCollince) January 12, 2026

According to the telco, once a user authorises a standing order, future payments can be processed automatically without requiring repeated PIN confirmation.

What Is M-PESA Ratiba?

M-PESA Ratiba was introduced in October 2024 as a first-of-its-kind mobile money feature allowing users to set up recurring payments directly from their M-PESA wallets.

The service enables automatic transfers on a daily, weekly, monthly, or yearly basis, making it ideal for recurring obligations such as rent, school fees, insurance premiums, subscriptions, utility bills, and now health insurance contributions.

Safaricom says the feature is designed to simplify payments and improve consistency, with no penalties for failed or cancelled standing orders due to insufficient balance.

Public Concerns Persist

Despite the explanation, the incident has reignited debate over consumer awareness and digital consent, with some users arguing that many Kenyans may not fully understand the implications of activating auto-deduction services.

Consumer rights advocates are now calling for clearer communication, stronger opt-in notifications, and easier ways for users to monitor and cancel standing orders.

As SHA ramps up enrolment into its health financing programs and M-PESA continues to anchor Kenya’s digital payments ecosystem, the episode underscores the growing tension between convenience and control in mobile money transactions.

For now, Safaricom is urging users to review their M-PESA Ratiba settings and confirm which organisations have permission to auto-deduct funds from their wallets.

January 13, 2026 0 comment

Business

Kaa Chonjo: Your Guide to a Scam-Proof Back to School

by Daily Trends January 13, 2026

written by Daily Trends

As the holiday season winds down and schools reopen, this transitional period presents an opportune moment to reassess your financial strategies and adopt smarter, more secure ways to manage your money effectively.

By choosing to go “cash-light” and using digital channels like the Equity Mobile App, Equity Online, Equitel, or *247#, you gain powerful tools to protect your finances. Unlike cash, which is gone for good if lost, digital payments provide instant alerts, clear records, and the ability to freeze an account in seconds if you sense trouble.

Fraudsters, unfortunately, see this busy season as a prime opportunity. Here’s how to stay one step ahead.

The Modern Scammer’s Playbook: What to Watch For

Today’s scams are more than just suspicious links. Criminals now use AI to clone voices for urgent-sounding pleas, create fake delivery notifications for packages that don’t exist, and design tempting travel deals that lead to malicious sites. Their goal is always the same: to create a sense of panic that makes you act before you think.

A common trick is “quishing,” where fraudsters place a fake QR code sticker over a real one at a shop counter. You scan, pay, and only later realize the money went to a thief. These scams work by rushing you.

Your Digital Fortress: Simple Habits for Strong Security

A core defence is to always pause and verify. If you get an urgent request for money, even if it sounds like a loved one, call them back on the number you have saved. When you pay a merchant, take a moment to confirm that the name displayed on your screen matches the business you’re paying. This simple habit is one of your strongest shields.

Next, secure your connection. We all love free Wi-Fi, but public networks at cafes, malls, and airports are not safe for banking. Criminals on the same network can potentially “eavesdrop” on your activity and steal sensitive information. For any financial transaction, always switch to your own mobile data or use a trusted, password-protected network like your home or office Wi-Fi.

Your account’s security also depends on the device in your hand. Keep your phone and banking apps updated to get the latest security features, and always use a PIN or biometrics to lock both your device and the Equity Mobile App. For added safety, only download financial apps from official sources like the Google Play Store and Apple App Store, never from links sent to you.

Finally, think of your account access as a lock with two keys. Your password is the first, and the One-Time Password (OTP) sent to your phone is the second. Never share your OTP with anyone, for any reason. It is the final key that grants access.

Staying Safe in the Physical World: ATMs and Cards

Your vigilance is just as important offline. When using an ATM, your personal safety is paramount.

Enter Alone: Make it a rule to enter the ATM lobby by yourself. If someone is inside who makes you uncomfortable, wait for them to leave.
Decline “Help”: Politely refuse any assistance from strangers, even if they seem well-intentioned. Fraudsters often pose as helpful bystanders to learn your PIN or swap your card.
Stay Alert: Be aware of your surroundings inside the ATM. Shield the keypad with your hand as you enter your PIN. If you feel you are being watched or something seems suspicious, cancel your transaction, leave immediately, and alert the security guard on duty.

When paying with your card, prefer to tap or insert the chip rather than swiping. This technology provides better encryption and security.

Your Bank’s Role in Your Security

Financial institutions are increasingly taking proactive steps to help customers protect themselves. A key part of this is establishing clear and secure communication channels. For example, Equity Bank has designated a single official number for outbound calls – 0763 000 000, to help customers distinguish legitimate communication from scams. They also consistently remind the public that the bank will never ask for sensitive credentials like your PIN, password, CVV, or One-Time Password (OTP). Furthermore, customers can report suspicious numbers using the free-to-use SMS line (333) and help create a safer ecosystem for everyone.

Enjoy the confidence that comes with being prepared. A calm, deliberate approach to your transactions is the best gift you can give yourself this season.

January 13, 2026 0 comment

CS Rebecca Miano inspects the construction of Bomas International Convention Complex

Business

Bomas International Convention Complex to Play Key Role in Advancing Kenya’s MICE Sector, Says CS Miano

by Daily Trends January 8, 2026

written by Daily Trends

Kenya is set to significantly strengthen its position as Africa’s leading destination for global conferences and exhibitions with the fast-approaching completion of the Bomas International Convention Complex (BICC), Cabinet Secretary for Tourism and Wildlife Rebecca Miano has said.

CS Miano noted that the flagship project will play a critical role in advancing Kenya’s Meetings, Incentives, Conferences, and Exhibitions (MICE) sector, positioning the country as a competitive and preferred hub for high-level international events. She described the BICC as a strategic investment that will elevate Kenya’s capacity to host large-scale global summits and exhibitions.

Once completed, the BICC will have a seating capacity of 11,000, making it one of the largest and most modern convention facilities on the African continent. The complex is designed to host international summits, regional conferences, trade exhibitions and cultural events, reinforcing Kenya’s ambition to reclaim its status as Africa’s top destination for global meetings.

Speaking on the project’s progress, CS Miano said the Bomas International Convention Complex goes beyond infrastructure development and represents a deliberate effort to strengthen the tourism value chain.

“The BICC will be a crown jewel of our MICE offering. It will position Kenya competitively on the global stage while opening up new opportunities for growth across tourism, hospitality, transport, trade and the creative industries,” she said.

She added that the complex will offer a unique experience by combining world-class conferencing facilities with Kenya’s rich cultural heritage. Delegates and visitors are expected to enjoy authentic cultural experiences while conducting business at the highest level.

Strategically located in Nairobi — the “Green City in the Sun” and Africa’s diplomatic capital — the BICC is expected to further enhance the city’s attractiveness to international organizations and global forums.

According to CS Miano, the economic impact of the project will be far-reaching. By attracting major international events, the BICC is expected to increase visitor arrivals, boost hotel occupancy rates and stimulate demand for transport and logistics services. The project will also create opportunities for local suppliers, small and medium-sized enterprises and creative industries, while generating thousands of direct and indirect jobs.

CS Miano attributed the progress of the Bomas project to the leadership of His Excellency President William Ruto and the collective support of government institutions and stakeholders. She emphasized that the project aligns with the government’s broader agenda of positioning tourism and business events as key pillars of national economic development.

As Kenya prepares to welcome the world, CS Miano said the Bomas International Convention Complex stands as a symbol of confidence, ambition, and readiness, reaffirming the country’s commitment to hosting global conversations and showcasing its cultural identity on a world-class platform.

January 8, 2026 0 comment

Business

Crisis of Trust at Safaricom: Millions of Customers Doubt Data and SMS Billing as Regulator Sounds Alarm

by Daily Trends January 8, 2026

written by Daily Trends

Nearly one in every four Safaricom customers believes the telecommunications giant is shortchanging them on data and text message charges, a damning regulatory survey has revealed, exposing a crisis of trust at Kenya’s dominant mobile operator just as mobile data becomes its biggest money spinner.

The explosive findings from the Communications Authority of Kenya paint a troubling picture of widespread consumer suspicion, with only 77 per cent of Safaricom’s massive customer base trusting their data bills and 77.7 per cent believing they are accurately charged for SMS services. This means a staggering 23 per cent of subscribers, millions of Kenyans, harbour deep doubts about whether they are getting what they pay for.

The timing could not be worse for Safaricom. The company just recorded a historic milestone in its half-year results to September 2025, with mobile data revenue surging 18 per cent to Sh44.4 billion, overtaking voice revenue for the first time in the telco’s history. Voice, once the backbone of telecommunications, managed only a paltry 0.5 per cent growth to Sh41.09 billion, highlighting how critical data has become to the company’s bottom line.

But as Safaricom celebrates this financial triumph, the regulatory survey commissioned by the Communications Authority and conducted by Strategic Synergy Consultants between July 2024 and June 2025 exposes an uncomfortable truth: customers do not trust how they are being billed for the very services now driving the company’s profits.

“Safaricom shows lower performance compared to other providers. While still a majority, these lower figures indicate that Safaricom customers are less confident in billing accuracy, particularly for data services,” the report states with clinical precision.

The contrast with competitors is stark and humiliating. Jamii Telecommunications, a relative minnow in the market, enjoys the highest trust ratings, with 98.4 percent of customers confident in their data billing and 88.6 percent trusting SMS charges. Airtel Kenya follows closely with 98.3 percent and 86.2 percent respectively. Even Telkom Kenya, long struggling for market relevance, outperforms Safaricom on billing credibility.

The mistrust extends beyond data and texts. Only 80.2 percent of Safaricom customers believe they are correctly charged for voice calls, the lowest rating among all operators. By comparison, a remarkable 97.6 percent of Airtel customers trust their call billing, followed by Jamii at 96.7 percent and Telkom at 94 percent.

The survey, which covered more than 4,200 respondents, lays bare a fundamental problem: transparency. A paltry 18 percent of Safaricom customers say they receive monthly billing information, compared with 44.1 percent of Airtel subscribers and 35 percent of Jamii customers. Without regular, detailed billing statements, customers are left guessing whether the charges deducted from their accounts match the services consumed.

This opacity becomes especially problematic in an era when data consumption is exploding. Increased online learning, remote working and entertainment streaming have made data services indispensable, transforming mobile internet from a luxury into a necessity. Kenyans are using more data than ever before, making billing accuracy not just a consumer rights issue but a question of economic justice.

The survey notes that billing disputes consistently rank among the most common complaints lodged by subscribers with the Communications Authority, according to quarterly regulatory reports. This suggests the problem is not merely perception but reflects real, ongoing frustrations with how charges are calculated and applied.

Safaricom’s dominance in the market makes the trust deficit even more significant. The company controls approximately 65 percent of Kenya’s mobile subscriptions as of September last year, dwarfing Airtel’s 30.7 percent market share. Telkom and Jamii each hold about one percent. With such overwhelming market power, Safaricom effectively holds millions of Kenyans captive, unable to easily switch to competitors even when dissatisfied.

The billing trust crisis comes on the heels of other controversies that have dented Safaricom’s reputation. In late 2025, the company faced fierce public backlash after quietly slashing data allocations on its popular ‘No Expiry’ bundles by more than half, effectively doubling internet costs overnight. Customers who had been getting 255 megabytes of non-expiring data for Sh51 suddenly found themselves receiving only 102 megabytes for the same price.

Safaricom initially blamed the cuts on a technical issue, an explanation many customers found unconvincing given the changes persisted for over a week before the company restored original allocations under intense pressure. The incident reinforced suspicions that the telco was testing how much it could squeeze from customers before provoking rebellion.

Industry analysts note that billing transparency is fundamental to maintaining consumer trust in any service sector, but especially in telecommunications where complex tariff structures, data throttling and variable network quality create information asymmetries that favor providers over customers. When the dominant player in the market performs worst on transparency metrics, it raises questions about whether market power has bred complacency.

The Communications Authority report pointedly observes that improved billing transparency and clarity are key to sustaining consumer trust across all providers. For Safaricom, this is not merely a regulatory box-ticking exercise but an existential challenge as the company transitions from voice to data as its primary revenue engine.

The company’s response to these findings will be closely watched. Will Safaricom dismiss the survey results as statistical noise, or will it acknowledge that nearly a quarter of its customers, millions of Kenyans, feel they cannot trust the bills they receive? The answer will determine whether this trust deficit deepens into a full-blown crisis of confidence that competitors could exploit.

Rivals have already been circling, banking on lower call tariffs and aggressive data promotions to chip away at Safaricom’s dominance. Airtel has repeatedly positioned itself as the more customer-friendly alternative, offering better value data bundles and, according to this survey, significantly higher billing credibility. The trust gap revealed by the regulatory study hands ammunition to these competitors.

For ordinary Kenyans, the survey findings validate what many have long suspected: that the charges appearing on their mobile accounts do not always add up, that data bundles seem to deplete faster than usage would suggest, and that the dominant telco’s billing practices merit serious scrutiny.

As mobile data cements its position as Safaricom’s biggest revenue line, the company faces a moment of reckoning. Trust, once lost, is notoriously difficult to rebuild. With nearly a quarter of customers already doubting billing accuracy, Safaricom must act decisively to restore confidence or risk watching its hard-won market dominance slowly erode under the weight of consumer suspicion.

The Communications Authority has thrown down the gauntlet. The question now is whether Safaricom has the will to pick it up.

January 8, 2026 0 comment

Parent flanked by school going children transacting at a local bank agent.

Business

Back-to-School Made Easy: How Equity Bank Agents Help You Lipa Bila Presha

by Daily Trends January 2, 2026

written by Daily Trends

Few things test the resilience of a household budget like the back-to-school season. The period comes with many financial demands, including school fees, uniforms, books, and daily supplies.

Getting ready for school has never been simpler. Equity Bank is placing its bank agents at the centre of the solution, helping parents pay, shop, and manage finances with ease.

By offering quick solutions for fee payments and mobile money transactions, the over 42,000 accredited Equity Bank agents, located in retail outlets, corporate offices, malls, postal outlets, and other convenient locations across the country, are turning a logistical headache into a smooth, stress-free process.

Instead of battling long queues at schools or struggling with last-minute payments, you can now rely on agents for a faster and more convenient way to handle these tasks and to lipa bills bila presha.

Pay Fees Through Equity Agents

Customers can conveniently pay school fees through banking agents and will be issued a receipt, which can be submitted to the school as confirmation of payment.

For customers who prefer assisted service, Equity Agents help guide the payment process using Equity’s approved channels, including:

*247#
Equity Mobile App
Equitel

By providing assisted access to these platforms, agents ensure school fees payments are completed accurately and on time, helping customers avoid delays during the busy back-to-school period.

Manage Cash and Deposits Near You

Equity Agents provide customers with convenient access to cash withdrawals and deposits within their neighbourhoods, making it easier to manage day-to-day back-to-school expenses. Parents and guardians can withdraw money for uniforms, books, and other school supplies, or deposit funds in preparation for school fees payments.

By transacting with an Equity Agent nearby, customers avoid long travel distances and queues at banking halls, allowing them to save time and handle school-related financial needs quickly and efficiently during the busy back-to-school period.

Complete Payments Even When Funds Are Low

Back-to-school expenses can be demanding. Customers who need flexibility can access financial solutions through Equity’s digital channels. Equity Agents help customers understand these options and help them complete transactions smoothly.

Bank agents can guide customers on how to:

Apply for loans of up to KSh 3 million via *247#, Equity Mobile App or Equitel
Complete transactions using Boostika prompts when paying through *247#, Equity Mobile App or Equitel

Don’t share your PIN with anyone, including the agent!

Enjoy Fast Service closer to home, even beyond working hours

Equity Agents are located within communities, making banking services more accessible during the busy back-to-school season.

Whether you are paying school fees, depositing money or withdrawing cash, agents provide a simple and reliable way to manage your finances close to home.

Visit an Equity Agent near you and enjoy Back to School Bila Pressure. Remember, your PIN is your secret, don’t share with anyone.

For assistance, contact Equity on 0763 000 000.

January 2, 2026 0 comment

Business

No More Queues, Lipa Fees Bila Presha as Back-to-School Resumes

by Daily Trends January 1, 2026

written by Daily Trends

The holidays are over, and now it is time to face the back-to-school hustle! As parents and guardians, we know the drill: shopping for school fees, uniforms, books, and supplies while trying to stay within budget.

Imagine this: John, a parent, is at the bookstore with his arms full of textbooks. The cashier is waiting, and John suddenly realizes he did not withdraw enough cash. The line behind him grows, and he is scrambling for a solution.

Just like John, you may find yourself at the school bursar’s office, ready to pay fees, only to find the queue stretching out the door. And your son or daughter also needs a reliable way to manage pocket money for transport and lunch.

The back-to-school season can feel overwhelming, but it does not have to be. With Equity, you can lipa bila presha and make the start of the school year stress-free. Whether you’re paying fees, shopping for supplies, managing student expenses, or even seeking financial support, Equity has you covered.

Pay Fees Bila Pressure

Paying school fees does not need to be so exhausting. With Equity, skip the long queues and pay school fees directly using the school’s Till Number. Here is how it works:

Ask for the school’s Equity till Number.
Enter it on your mobile phone via Equity platforms like the Mobile App, *247#, or Equity Online.
Confirm the amount, and you’re done!

It’s fast, reliable, and ensures your child’s fees are paid on time, giving you peace of mind. No more standing in line or worrying about missing deadlines.

Swipe, Tap, Go

Whether you’re shopping for uniforms, paying for transport, or buying textbooks, your Equity debit or credit card is your best friend this season. From local stores to online platforms, your card ensures you can make payments effortlessly and securely.

Pocket Money Simplified

Remember the last time your child came home saying, “I lost my lunch money”? Or the time they needed fare urgently, and you had to scramble to send it? You can now empower your child to manage their school expenses independently with an Equity Prepaid Card.

No more kuomba fare or worrying about lost pocket money, this card has got them covered! Prepaid cards are easy to load and don’t require a linked bank account, making them perfect for students.

You can monitor transactions to ensure funds are used responsibly, while students can swipe, tap, or insert their card for payments, reducing the need to carry cash.

Send Money Free

Equitel is your ultimate back-to-school companion, offering convenience and affordability for all your payments. Whether you’re sending money to the school, paying for transport, or helping a family member shop for supplies, Equitel makes it easy.

Free Equitel-to-Equitel Transactions (Equity to Equity only): Send money to family members or friends at no cost when transferring between Equity accounts on Equitel. For example, a parent can send money to an older sibling to shop for a younger student’s school supplies—without incurring any transaction fees.
Zero Charges on Equity Till Payments: Enjoy free payments when transacting from an Equity account to an Equity Till Number at any merchant or school.
Wide Accessibility: Access Equity’s services from anywhere, whether you’re in the city or upcountry.

Loans Made Easy

If the back-to-school season is stretching your budget, Equity offers loans to help you manage expenses. These loans are designed to provide quick and affordable financial support, ensuring your child’s education is never interrupted.

Salary Advance Loans: If you’re a salaried employee, you can access a salary advance loan to pay for school fees or other back-to-school expenses.

Secure Banking Tips

While you’re ticking off those back-to-school to-do lists, it’s just as important to ensure your transactions are safe and secure. Here are some tips to protect your finances:

Never share your PIN with anyone, even family members.
Avoid making mobile or online payments over public Wi-Fi to prevent unauthorized access.
Regularly check your account activity via the Equity Mobile App or Equity Online to spot any suspicious activity.
Set up SMS or email alerts to stay updated on all your transactions.

So go ahead, tick off that shopping list, pay those fees, and get ready for a successful term. Ready to make back-to-school stress-free? With Equity, you can truly lipa bills or school fees bila presha and start the year right.

Call Equity via 0763 000 000 for help or inquiries.

January 1, 2026 0 comment

Business

Back-to-School Rush: How Merchants Can Simplify Payments and Serve Customers Faster

by Daily Trends January 1, 2026

written by Daily Trends

The back-to-school season is here, and for merchants, it’s like the December rush all over again! Parents are flocking to markets l searching for uniforms, books, and school supplies. It’s a time when your shop or stall can become the go-to place for families preparing for the new term.

But let’s face it,competition is stiff. Customers want to lipa bila presha by enjoying convenience, speed, and flexible payment options. Without the right tools to accept payments seamlessly, you risk losing sales to competitors who offer easier ways to pay.

Imagine a parent walking into your shop at the peak of the rush, ready to buy, but they don’t have enough cash. Without the right payment solutions, you could lose that sale to the shop next door.

Equity understands the hustle of running a business during this busy season and provides innovative solutions to help you attract more customers, simplify payments, and grow your sales. Whether you’re selling uniforms, books, or stationery, Equity is here to make this back-to-school season your most successful yet.

Accept Payments Seamlessly with One Equity Till Number — The Merchant Payment Solution That Works Across All Channels.

Today’s customers expect flexibility when it comes to payments, and Equity Till Numbers make it easy for you to accept payments from Equity Platforms and mobile wallets like MPESA or Airtel Money. Payments made by Equity customers from their Equity accounts via Pay With Equity are free of charge.

With Equity Till, you can:

Receive instant payments directly into your account in real time.
Avoid extra charges for customers, making your shop their preferred choice.
Serve customers conveniently, whether they’re in the city or upcountry.

By reducing cash handling risks and offering a seamless payment experience, you can serve more customers and grow your business.

Offer Card Payments for Added Flexibility.

Not every customer carries cash or uses mobile money. By accepting card payments, you open your business to even more customers. With Equity’s debit and credit card solutions, you can:

Accept swipe, tap, or insert payments with ease.
Serve customers who prefer using cards for security and convenience.
Boost sales, as more customers are opt to use cards compared to cash during the back- to-school season.

Offering multiple payment options ensures that no customer leaves your shop without making a purchase.

Manage Your Business Finances with Ease

The back-to-school rush can make cash flow management challenging, but Equity provides tools to help you stay on top of your finances:

Instant access to funds, with payments made via One Equity Till Numbers or QR codes deposited directly into your account.
Real-time tracking of transactions using the Equity Mobile App or Online Banking.
Simplified accounting, as digital payments make it easier to keep accurate records for your business.

With these tools, you can focus on serving your customers while keeping your finances organized.

Get Financial Support to Stock Up

The back-to-school season is a golden opportunity, but you need enough stock to meet customer demand. Equity offers flexible financing options to help you prepare:

Business loans to purchase more stock and take advantage of the season’s high demand.
Overdraft facilities to cover short-term expenses like inventory or staff salaries.
Affordable repayment terms designed to fit your business needs, with competitive interest rates and flexible schedules.

With Equity’s support, you can ensure your shelves are always stocked and ready for the rush.

Keep Your Business Secure

With the increase in transactions during the back-to-school season, it’s important to protect your business from fraud and theft. Equity Bank provides secure payment solutions and tips to keep your business safe:

Verify transactions by confirming payments via the Equity Mobile App or Equity Online
Avoid sharing your PIN to prevent unauthorized access.
Use digital payments to reduce the risks associated with handling large amounts of cash.

Equity ensures your transactions are safe and secure, giving you peace of mind as you focus on serving your customers.

With solutions like Till Numbers, QR Code payments, and flexible financing, Equity helps you serve more customers, grow your sales, and simplify your operations, enabling customers to lipa their bills bila presha.

Ready to take your business to the next level? Call Equity via 0763 000 000 for help or inquiries.

January 1, 2026 0 comment

Business

Manager Flees Safaricom-Linked Sacco As Fears Of Investors Losing Savings Becomes Imminent

by Daily Trends December 29, 2025

written by Daily Trends

A storm is brewing at SIC Investment Co-operative as its chief executive officer, Churchill Winstones, has abandoned ship, leaving behind thousands of anxious depositors struggling to recover their hard-earned savings from the troubled society.

Winstones’ dramatic exit late last week comes as the once-popular Sacco, which counts current and former Safaricom employees among its 5,300 members, battles a crippling cash crunch that has left investors who sunk millions into its Pepea Fixed Deposit product stranded.

The departure marks yet another shake-up at the beleaguered institution, which in June witnessed the entire board being shown the door and replaced with interim directors who were only confirmed three months later. Winstones becomes the second CEO to flee the cooperative in less than four years, following Sarah Wahogo who served from March 2022 until early last year.

Multiple investors who each deposited at least Sh4 million into the Pepea Fixed Deposit account have told this writer that SIC has been playing a dangerous game of delay tactics, repeatedly postponing payments and citing liquidity problems as their investments reach maturity.

The scale of the crisis is laid bare in the cooperative’s annual report for 2024, which reveals a shocking Sh380 million bank run on the Pepea product as panicked customers rushed to pull out their money earlier than expected. The unexpected mass withdrawal has created a domino effect, leaving those who dutifully held their investments to maturity unable to access their funds.

Acting CEO Jared Odhiambo, who previously served as head of finance, has admitted the society is drowning in liquidity challenges but insists they have a plan to settle all investors by March next year. He claims the cooperative is gradually paying off depositors and is now restructuring the product to tie it to specific projects.

However, such assurances ring hollow for investors who were promised their principal and accrued interest within 10 days of maturity. Some have already written to the Commissioner for Co-operatives Development, David Obonyo, desperate letters seen by this publication that paint a picture of growing desperation.

The Pepea Fixed Deposit, which SIC marketed as an exclusive product offering lucrative returns of up to 12 percent annually, attracted depositors with promises of competitive rates second to none in the market. Investors who locked in amounts exceeding Sh3 million for 12 months were promised returns of 12 percent, significantly higher than what most banks offer.

The minimum investment of Sh50,000 could be locked in for six to 12 months, with returns ranging from 10 percent to 12 percent depending on the amount deposited and tenure selected. The product came with a harsh penalty clause, investors who withdrew before maturity forfeited all accrued interest, a trap that has now left many feeling cornered.

Adding to the mess, SIC was forced to restate its books for the year ended December 2023 to correct several misstatements, slashing retained earnings by Sh26.15 million. The accounting irregularities raise troubling questions about the financial management and oversight at the cooperative.

Interest payments on the Pepea product climbed to Sh48.95 million in 2024 from Sh40.35 million the previous year, indicating the product’s growing popularity just before the crisis hit. What triggered the sudden rush by many customers to withdraw their funds early remains unclear, but the consequences have been devastating for those who played by the rules.

The Commissioner for Co-operatives claims he was unaware of the liquidity crisis despite letters from distressed investors landing on his desk. Obonyo has now promised to intervene, but for many depositors watching their savings disappear into a black hole, such promises offer little comfort.

SIC Investment Co-operative, which started operations in 2009, built its reputation partly on its association with telecommunications giant Safaricom, attracting employees and former staff who trusted the society with their retirement savings and investment funds. The principal activities include real estate investment, marketable securities and private equity.

December 29, 2025 0 comment

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