The data highlights a strong and growing digital transaction ecosystem, particularly in mobile-to-SACCO interactions.

• M-Pesa to SACCO: This is a high-growth "net deposit mobilization" channel, averaging 991,000 transactions worth KES 5.2 Billion monthly. It is growing at a volume CAGR of 32%.
• SACCO to M-Pesa: Averages 915,000 transactions monthly, transferring KES 915 Million. While volumes are stable, the value is growing at a 23% CAGR.
• SACCO-Bank Interoperability:
  • SACCO to Bank: Monthly average of 13,800 transactions valued at KES 11.6 Billion.
  • Bank to SACCO: Approximately 15,000 transactions valued at KES 9.5 Billion monthly.