When it comes to spearheading the financial sector in Kenya and the African continent at large in innovation and technology, no other bank quite comes close to NCBA Group.
NCBA boasts of providing seamless access to payments, credit and savings to more than 68 million customers making it the largest banking group in Africa based on customer numbers.
Its trailblazing innovations in financial technology have continued to lead the way in the banking sector and played a pivotal role in accelerating growth in many African countries.
Through strategic partnerships and pioneering technology, including through its subsidiary LOOP DFS, NCBA has empowered many lives and managed to redefine banking across Africa.
Here are some of NCBA’s pioneering fintech that have permanently transformed how banks interact with customers and in the process empowered them to create and manage wealth:
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LOOP
Originally unveiled as NCBA LOOP in 2017, a digital banking service, LOOP has moved to become a broad fintech solution designed to meet the modern needs of all its customers.
The innovatively stable and authentic all-in-one digital financial platform is designed to look after the varied lifestyle needs of the ambitious digital-first customer in any part of Africa.
LOOP unveiled its new app in January 2023 welcoming a new era where financial services are rooted into a digital ecosystem offering convenient, flexible and futuristic money management.
LOOP mixes mobile money, card, NFC and QR among other payment channels, and savings, investments and varied credit solutions giving clients superior digital financial experience.
By securely profiling a customer’s unique behavior and transactional data, the platform intelligently offers each customer discounted deals and offers through LOOP Discover.
From inception to end of 2024, LOOP had disbursed more than USD48 million in loans, processed more than USD876 million in transactions in 2024, and handled more than 400,000 consumers and 160,000 merchants registered in Kenya.
M-Shwari
M-Shwari, a partnership between NCBA and Safaricom, has integrated loans and savings services directly into each customer’s mobile phone revolutionizing digital banking in Kenya.
Since its inception in November 2012, the digital platform has disbursed more than USD6 billion in loans and attracted 32 million users, majority of them being first-time borrowers.
Away from credit, M-Shwari has inculcated a savings culture and enabled millions to securely grow their wealth and realised more than USD400 million average total customer deposits.
This transformative solution has unlocked new opportunities for individuals and small businesses, fostering sustainable economic empowerment at every level.
Fuliza
Fuliza, launched in Kenya in January 2019, is designed to enable financial continuity and provides an instant overdraft facility to M-Pesa users enabling them to conclude a payment.
Fuliza has disbursed more than USD22.4 billion and processes an average of more than 3.5 million daily transactions to ensure uninterrupted access to funds for individuals and SMEs.
The reliable and easily accessible facility enables individual and businesses to cover urgent bills, restock and handle sudden expenses making it an indispensable financial
Whether covering urgent bills, restocking inventory, or handling unexpected expenses, Fuliza’s accessibility and reliability make it an indispensable financial life belt for many users.
MoKash
MoKash is a product of NCBA’s tactical partnership with MTN Mobile Money and Vodacom to offer MoKash (Uganda and Rwanda), MoMoKash (Ivory Coast) and M-PAWA (Tanzania).
The innovating financial solutions continue to unlock the financial potential of hundreds of millions of citizens providing convenient and instant access to savings and credit in Africa.
Since inception, the bank’s MSL platform in the above four countries has disbursed a total of USD1.196 billion in loans and expanded to a combined portfolio of 29.8 million customers.
MoKash has been instrumental in enabling women, youth, and SMEs and in the process enhanced financial inclusion in underserved communities empowering them economically.
NCBANow
With NCBANow unified banking platform, NCBA continues to set the pace for fintech innovation and digital banking in Africa by streamlining the digital customer experience.
It offers a seamless user interface and improved access complementing NCBA’s corporate internet banking suite to ensure you transact, save, invest, and access credit more efficiently.
Economic Transformation
NCBA’s financial ecosystem, which is driven by fintech, has been a key driver of economic growth putting the financial institution at helm of the digital banking revolution in Africa.
NCBA boasts of a network expansion of more than 115 branches operating in five countries to provide accessible financing, while enabling SMEs, and individuals to grow their wealth.
The Tier-1 bank’s strategic collaborations and innovation continue to drive inclusive growth, enhance resilience and create jobs to reshape the future of finance and fintech in Africa.
NCBA is also the leader of the banking pack when it comes to digital lending in Africa with seven products in five countries with the other major financial institutions playing catchup.
Fintech Awards
Here are some of the key fintech awards recognizing NCBA’s leadership in digital innovation;
• ‘Most Influential Digital Banker’ Award in 2025 from Mastercard at the Africa Fintech Forum, recognizing its leadership in digital banking and innovative solutions that have improved customer experiences.
• ‘Excellence in Asset Finance Award’ in 2025 from the International Center for Strategic Alliances (ICSA) at the Connected Banking Summit – East Africa for its pledge to delivering top-tier asset finance solutions.
• Preferred Bank in Asset Finance in the banking category at the Transport & Logistics Excellence Awards 2020-2022.
• NCBA Johari Awards - NCBA also hosts the Johari Awards, recognizing outstanding dealers, brokers, and agencies for their contributions to driving Kenya's economy.
