← home / Tools / Contact and phone behavior data for scoring⚙● toolContact and phone behavior data for scoringPractices that use itUnregulated digital credit in Kenya (lending apps: Okash, Opesa and similar)A wave of digital microcredit apps that between ~2016 and 2022 offered instant loans via mobile, presented as financial inclusion. They led to massive over-indebtedness: digital credit accounted for 90% of credit bureau listings, households skipping meals, and abusive collection practices (debt shaming). In March 2022 the CBK gazetted the Digital Credit Providers Regulations and forced lenders to get licensed or shut down; by Sep 2025 only 153 of more than 700 applicants had a license, and neither Okash nor Opesa appears in the directory.● Discontinued· scale national
