“I Do Everything Right — So Why Is Credit Still So Hard to Get?”

Rethinking what it means to be creditworthy in Kenya

If you’ve ever tried to access credit — to grow your business, manage cash flow, or invest in your future — and found it harder than expected, you’re not alone.

Across Kenya, many people manage money responsibly, support families, and run small businesses with care and consistency. Yet when it comes to credit, they often find that their efforts aren’t fully recognised.

Why? It comes down to visibility.

A System That Sees Some — But Not All

Most credit decisions in Kenya today rely on data from formal financial institutions — bank loans, regulated digital lenders, and CRB-reported products.

But Kenya’s economy is unique. According to the Kenya Labour Market Profile 2024/2025, over 81% of employment outside agriculture is in the informal sector. Much of that activity flows through cash, mobile money, and flexible financing models like lipa pole pole.

That means:

• People who haven’t taken a formal loan may not have a credit history on file.

• Pay-as-you-go models for solar kits, phones, or household items often don’t get reported — unless there’s a missed payment.

• Entrepreneurs who manage income and expenses through mobile wallets may not be recognised, even with consistent cash flow and savings habits.

These financial behaviors show discipline and responsibility — but they’re not always visible in traditional credit reports.

Creditworthiness Looks Different Today

Whether you’re paying school fees through M-PESA, keeping a steady float for your shop, or repaying digital loans on time, these patterns reflect how you manage money. And for millions of Kenyans, this is what real creditworthiness looks like.

We believe that should be recognised.

We’ve partnered with Creditinfo Kenya (CIK) to help modernize how creditworthiness is measured. Together, we’re working to make the credit system more inclusive by expanding what counts — not just loans, but the full spectrum of financial activity that reflects how people actually live, earn, and repay.

This isn’t about replacing what already works — it’s about improving visibility, increasing fairness, and opening the door to more meaningful financial opportunity.

So… How Does the Boosted Score Actually Help You?

We’ve talked about the problem — and now here’s how the Boosted Score helps solve it:

• You become visible. Even if you’ve never taken a formal loan, the Boosted Score looks at your real financial behavior: your mobile money patterns, repayments, savings, and more.

• You get a real credit score. One that you can share with lenders, use to unlock new financial products, or simply understand where you stand.

• You improve your chances. With better visibility, lenders can offer you fairer, more flexible terms — not just short, high-interest loans based on assumptions.

• You control the data. You decide when and how to share your score — it’s built with transparency and consent at the core.

Whether you’re a small business owner, a digital hustler, or just starting out financially, the Boosted Score gives you the recognition and access you deserve.

The Boosted Score Is Now Live

The good news? You don’t have to wait.

You can now get your own Boosted Score — a next-generation credit score designed to reflect your full financial reality.

All you need to do is:

1. Register on Kamoa

2. Securely share your M-PESA statement

3. Let us build your Boosted Score

That’s it. No paperwork. No guesswork. Just a clearer, more complete view of your financial life — and a new pathway to credit, on your terms.

Get Your Boosted Score Today on playstore