Insights & Reports

Our thinking, in writing.

Field notes, research and case studies from the team building AI and banking technology across Africa.

Articles.

Why Kenyan SACCOs Need API Management, Not Just More Digital Channels

Kenya's SACCOs built the integrations behind USSD and mobile banking, but system downtime is now a growing complaint. Here's what API management fixes.

Winnie Ochieng3 Oct 2026

InsightDigital Transformation

AI Makes Coding Faster. What Happens to Software Delivery?

AI can compress implementation time, but delivery speed depends on what happens before and after code. A practical guide for financial institutions to redesign planning, verification and release controls without losing accountability.

Abdulshakur Abubakar23 Aug 20268 min read

ArticleDevSecOps

"We Now Sleep Better at Night" What Happens When a Bank Takes DevSecOps Seriously

A DevSecOps engagement at one of Kenya's largest banks delivered more than stronger security and faster releases. It reduced audit issues, improved system reliability, gave leadership greater visibility, and transformed how IT supports the business, leading to one unexpected outcome: teams finally sleep better at night.

Janes Kengere14 Jul 2026

ArticleEngineering as a Service

From Augmentation to Partnership: Inside the 'Squad as a Service' Model Tier 1 Banks Are Adopting

For years, the question was how to fill gaps. Now the question is how to move faster. The institutions redefining delivery are hiring fewer people and instead rethinking who belongs in their ecosystem.

Janes Kengere7 Jul 2026

ArticleNews

FinSense Africa and Crescent Tech Group Formalize Strategic Partnership

FinSense Africa and Crescent Tech Group Sign Strategic Partnership at AI EVERYTHING KENYA x GITEX KENYA Expo

Winnie Ochieng26 May 2026

Article

API Management and DevOps: Why DevOps Matters More Than Ever in the API Economy

Think about companies like Netflix or Amazon. Their ability to release features rapidly without constantly breaking services is not accidental. It comes from mature DevOps practices that automate testing, deployment, recovery, and monitoring.

Winnie Ochieng7 May 20267 min read

THIRD-PARTY PUBLICATIONS

What we read, and hand to clients.

Regulatory and analyst material worth your time. Published by others, so we link to the source rather than hosting copies.

REGULATORYANNUAL

Bank Supervision Annual Report

Central Bank of Kenya

The regulator's own read on the sector: balance-sheet health, credit conditions and supervisory priorities for Kenyan banks.

Read on Central Bank of Kenya ↗

REGULATORYMULTI-YEAR

National Payments Strategy

Central Bank of Kenya

Where CBK intends the payments rails to go, and the interoperability and consumer-protection expectations that follow.

Read on Central Bank of Kenya ↗

RESEARCHANNUAL

Banking Industry Outlook

Deloitte

Global and regional banking trends: margins, technology spend and the shifting cost base.

Read on Deloitte ↗

RESEARCHONGOING

Research & insights for banking technology leaders

Gartner

Analyst research on core modernisation, AI adoption and vendor landscapes. Access requires a Gartner subscription.

Read on Gartner ↗

These publications are the property of their respective publishers and are linked here for reference only. Some require a subscription.