At PesaKit, our mission has always been clear: to empower last-mile agents and merchants with tools that build financial resilience and unlock opportunity. Across Kenya and beyond, we’ve seen firsthand how mobile money agents sit at the heart of their communities. They’re not just service providers, they’re trusted advisors, neighbors, and informal financial educators. Today, we’re excited to give them one more tool to serve their customers better: Credit Reference Bureau (CRB) services, now live on the PesaKit app.

Why this matters

Access to credit is one of the biggest barriers to economic mobility in Africa. For millions of people, especially those working in the informal sector, getting a small loan to restock a shop, pay school fees, or respond to an emergency can be near impossible. Part of the problem is that many people are unaware of their credit status or how to improve it.

You can’t fix what you can’t see.

This is where CRB services come in. A CRB report helps individuals understand how lenders view them; it shows whether they’ve defaulted on loans (delinquency reports) or details their full borrowing history (credit information). For someone trying to rebuild trust with lenders or apply for credit, knowing what’s in that report is a game-changer.

Bringing credit checks to the local dukas

Until now, obtaining a CRB report has often meant a lengthy process, including finding an agent, navigating clunky websites, or paying through unfamiliar channels. That changes with PesaKit.

With CRB services now available on the PesaKit app, any mobile money agent or merchant using our platform can offer CRB checks directly to their customers. That means more access points for people to check their credit status, right where they live, work, and shop.

Agents benefit too. For every report they help process, they earn a commission. It’s a simple, seamless way to add value to their business while providing a service their customers need.

Financial empowerment, one report at a time

This launch isn’t just about product innovation, it’s about impact. We believe that when people understand their credit history, they’re better equipped to make informed financial decisions. For the small business owner wondering why they were denied a loan, or the boda boda rider trying to qualify for a smartphone on credit, this service offers clarity and a path forward.

And for agents, it’s another way to strengthen their role as trusted financial touchpoints in their communities.

Let’s build the future of inclusive credit, together

We see this as the first step in a bigger journey, one where credit is no longer out of reach, and where information flows through familiar, accessible channels. If you’re an organization working in digital lending, fintech infrastructure, agent networks, or financial inclusion, we’d love to talk.

There’s room to collaborate on expanding access, deepening impact, and creating tools that serve people where they are.