http://192.168.10.53/handle/123456789/47 Sat, 02 May 2026 20:22:32 GMT 2026-05-02T20:22:32Z http://192.168.10.53/handle/123456789/147 Competition and consumer protection in the Kenyan banking sector Phase II Competition Authority of Kenya This report is the final product of a market inquiry (we will refer to it as the “Inquiry”) into demand-side competition and consumer protection in the banking sector of Kenya carried out by the Competition Authority of Kenya (CAK). The Inquiry was announced by publication of the terms of reference by the CAK in the Official Gazette of Notice no. 678 on 5 February 2016. The economics firm Acacia Economics and the law firm Macmillan Keck Attorneys & Solicitors were engaged to advise and assist the CAK in conducting the Inquiry and have produced this report. An earlier Phase I market inquiry was completed in 2014 by Genesis Analytics. Phase I focused on barriers to competition in the sector from a supply-side perspective. Thu, 01 Jun 2017 00:00:00 GMT http://192.168.10.53/handle/123456789/147 2017-06-01T00:00:00Z http://192.168.10.53/handle/123456789/146 Banking Sector Phase I Market Inquiry Genesis Analytics This report presents the findings of Phase 1 of the first detailed study of competition in the Kenyan Banking Sector commissioned by the Competition Authority of Kenya with the support and participation of the Central Bank of Kenya, and the Financial Sector Deepening Trust. Virtually all the licensed banks in Kenya contributed data to the study and engaged with the study team Wed, 01 Oct 2014 00:00:00 GMT http://192.168.10.53/handle/123456789/146 2014-10-01T00:00:00Z http://192.168.10.53/handle/123456789/145 Competition Inquiry into USSD Service Provision in Kenya Competition Authority of Kenya; Financial Sector Deepening, Kenya The Competition Authority of Kenya (CAK) is carrying out a market inquiry into the pricing and conditions of USSD access offered by mobile network operators (MNOs) in Kenya. The objective of the market inquiry is to determine whether the provision of USSD services leads to constraints in competition in financial services and related markets and identify other concerns relating to consumer protection. Fri, 01 Jul 2016 00:00:00 GMT http://192.168.10.53/handle/123456789/145 2016-07-01T00:00:00Z http://192.168.10.53/handle/123456789/144 Market Inquiry into The SME Leasing Sector in Kenya Competition Authority of Kenya This report is carried out on behalf of the Competition Authority of Kenya under its inquiry into the leasing market announced by Notice No. 2546in Vol.CXX-No.35 of the Official Gazette of 16 March 2018. The law firm Macmillan Keck Attorneys & Solicitors was engaged to advise and assist the CAK in conducting the Inquiry and, together with economics firm Acacia Economics, have produced this report. Mon, 01 Apr 2019 00:00:00 GMT http://192.168.10.53/handle/123456789/144 2019-04-01T00:00:00Z http://192.168.10.53/handle/123456789/143 Market Inquiry On Fertilizer in Kenya Nduati, Maryanne; Roberts, Simon; Ncube, Phumzile; Vilakazi, Thando This inquiry on the fertilizer market in Kenya is conducted for the Competition Authority of Kenya (CAK) by the Centre for Competition, Regulation and Economic Development (CCRED) at the University of Johannesburg, and is funded by the Kenya Markets Trust (KMT). This report has been prepared by CCRED as the Consultant in collaboration with and under the guidance of the CAK in fulfilment of the objectives of this market inquiry. The report constitutes a final draft market inquiry report based on 36 in-depth interviews with various market participants and stakeholders, written submissions, and a review of publicly available information and data on the fertilizer market in Kenya. Those interviewed included industry associations, fertilizer suppliers, transporters and logistics companies, government agencies and departments, and large consumer groups such as farmers. Tue, 01 Sep 2015 00:00:00 GMT http://192.168.10.53/handle/123456789/143 2015-09-01T00:00:00Z http://192.168.10.53/handle/123456789/140 Benchmarking the Kenyan Artificial Insemination Service Sub-industry The Competition Authority of Kenya This report describes the current status of AI in Kenya. Most cattle breeding services – at least 70% - are through natural mating; on a good year AI accounts for up to 37% of all mating. There are hundreds of private AI practitioners who deliver AI to farmers – having sourced semen from appointed distributors who are mostly located in high potential areas. The distributors in turn obtain semen, and Liquid Nitrogen (which is what preserves the viability of semen) from more than 10 importers and the sole, publicly-owned local producers. Underlying this system is a history of lessons and challenges. Tue, 01 Jul 2014 00:00:00 GMT http://192.168.10.53/handle/123456789/140 2014-07-01T00:00:00Z http://192.168.10.53/handle/123456789/139 Market Inquiry of the Seed Industry in Kenya Competition Authority of Kenya; Kenya Markets Trust The study covered the main crop growing regions of the country. Following consultations with CAK and KMT, it was agreed that the inquiry focuses on only four crops that are important for the country’s food security, in particular those grown predominantly by smallholders who often experience serious challenges in accessing good quality seeds. The selected crops were maize, beans, sorghum and cow peas. The main criteria/indicators used in the inquiry were divided into five categories as follows: i) research and development; ii) industry competitiveness; iii) support services for smallholders; iv) seed policies and regulations; and, v) general business environment. Respondents included industry regulators, associations, seed producers/breeders, and agro dealers. The latter, due to their large numbers, were selected on the basis of a ‘proportionate to population size’ sampling approach. The study methodology did not require direct interviews with farmers since the focus was on assessment of indicators that favor/hinder competition in seed supply. The sections that follow give a summary of the main findings for the criteria/indicator categories listed above, conclusions and recommendations. Mon, 01 Dec 2014 00:00:00 GMT http://192.168.10.53/handle/123456789/139 2014-12-01T00:00:00Z http://192.168.10.53/handle/123456789/138 Kenya Consumer Protection in Digital Finance Survey Competition Authority of Kenya; Innovations for Poverty Action IPA has collaborated with the Competition Authority of Kenya to conduct a survey on key themes in consumer protection, including Fraud and loss of money, Complaints handling and redress, Pricing transparency and consumer choice and borrowing behavior. Survey responses identify which issues may be of greater or less concern, to inform future policy actions. Wed, 01 Jan 2020 00:00:00 GMT http://192.168.10.53/handle/123456789/138 2020-01-01T00:00:00Z http://192.168.10.53/handle/123456789/137 Competition in Shipping, Trucking and Haulage Sector Study in East Africa Competition Authority of Kenya; Maritime Business and Economic Consultants Transportation plays a critical role in the global economy as it facilitates and interlinks regions across the globe. Cargo transportation is a key determinant of market access and contributes to Regional Economic Integration by creating efficient linkages that facilitate regional and global trade. For it to perform the role effectively, there is need for it to be both cost-efficient and effective (reliable, fast). On a Regional level, the Northern Corridor is a key transportation artery for goods destined to and from the East African Community (EAC) and the Common Markets of Eastern and Southern Africa (COMESA) Region. The transport sector contributes between 5 to 15 % of the GDP among the Northern Corridor countries (KRB, 2015). However, the impact of transport goes well beyond its direct contribution to the economy as it serves as an intermediary service to all sectors and is therefore critical to economic growth and poverty alleviation. Provision of adequate transport infrastructure and comprehensive functioning of transport markets is a key component of a country’s competitiveness. The overall objective of this study is to identify potential competition concerns occasioned by the infringement of the competition law and government regulation, with a view of proactively addressing them and hence minimizing the cost of doing business in Kenya and in the Region. The study assesses, analyses and documents evidence of the status of competition in the liner shipping industry using the Port of Mombasa, the trucking and haulage industries operating along the Northern Corridor, and proposes recommendations. Mon, 01 Jul 2019 00:00:00 GMT http://192.168.10.53/handle/123456789/137 2019-07-01T00:00:00Z http://192.168.10.53/handle/123456789/133 Report on the Competition Authority of Kenya Digital Credit Market Inquiry Putman, Daniel; Mazer, Rafer; Blackmon, William Digital credit emerged in Kenya in 2012 with the introduction of M-Shwari from Commercial Bank of Africa (now NCBA) and Safaricom. In the 9 years since, the digital credit sector has grown such that at different points there have been as many as several hundred lenders estimated to be operating in the Kenyan market,1 although the number of lenders has reduced during the COVID-19 pandemic as lending has contracted.2 While the majority of digital lenders are unregulated, the vast majority of lending volume and value are provided by a small number of regulated banks, most noticeably the three products listed on Safaricom’s M-PESA mobile money menu, M-Shwari, Fuliza, and KCB M-PESA. The market is therefore at once diverse in terms of number of providers, but with most the value and volume concentrated with products delivered by several large commercial banks. To support the objectives of the Market Inquiry, CAK and IPA conducted two complementary research activities: 1. A phone survey of 793 users of digital financial services (DFS) from across Kenya. 2. An audit and analysis of transaction and account-level data of regulated and unregulated digital credit providers Sat, 01 May 2021 00:00:00 GMT http://192.168.10.53/handle/123456789/133 2021-05-01T00:00:00Z