NCBA Digital Loan Disbursements Hit KES 307 Billion in Q1, 2025
NCBA Group has recorded a significant growth in its digital lending business, disbursing KES 307 billion in digital loans in Q1, 2025. This is an impressive 32% increase compared to the same period last year.
NCBA revealed this during the release of its Q1 2025 financial results on Tuesday.
In Kenya, NCBA’s digital platforms include M-Shwari, which was created in partnership with Safaricom’s M-Pesa. M-Shwari allows customers to save and borrow money through their phones while earning interest on money saved. You can open and operate an M-Shwari bank account through your mobile phone via M-Pesa, without visiting a bank or filling out any forms.
Additionally, NCBA offers Fuliza, an overdraft service on M-Pesa that lets users complete transactions even when their account balance is insufficient.
According to NCBA Group, these figures are part of its continued efforts to expand its digital lending services and cater to the evolving needs of its customers.
The Group says it has made notable customer experience enhancements by leveraging technology. The NCBA NOW mobile app, for example, now has new capabilities on digital account opening and mobile money payments. CarDuka, NCBA’s digital vehicle marketplace platform now offers improved functionality such as insurance products and has a revamped user experience powered by AI.
Additionally, the upgrade of the online banking platform ConnectPlus, for Corporate and SME customers offers faster transaction processing, expanded payment options, enhanced reporting tools, cash liquidity management and integrations with other financial services platforms.
“NCBA remains steadfast in building a strong future-ready institution anchored on innovation, inclusivity and sustainable growth. As we continue to reinforce customer obsession across the region, our focus remains clear in delivering shareholder value with excellence and creating impact to shape a better tomorrow for generations to come,” NCBA Group Managing Director, John Gachora said.
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