Advertisement KCB Disburses KShs 1.5 Billion Daily as Mobile Lending Growth AcceleratesKCB Group has intensified its push in digital lending after disbursing mobile loans worth KShs 544 billion in 2025, equivalent to approximately KShs 1.5 billion per day, according to the Groups 2025 Integrated Report.The growth marks a 30 per cent increase in the value of mobile loans disbursed compared to the previous year, underlining the growing role of mobile-based credit solutions in Kenyas banking sector.The lender attributed the strong performance to the rollout of new digital lending products, enhanced behavioural scoring models, and continuous reviews of customer credit limits aimed at expanding access to financing for individuals and businesses.Expansion of Digital Lending ProductsDuring the year, KCB expanded its portfolio of digital financing solutions through products targeting both consumers and small businesses.Among the products rolled out were e-mobility financing solutions, Digi-Flme loans, merchant cashflow financing, and device financing products designed to support customers seeking affordable access to smartphones and other digital tools.The expansion reflects the increasing shift towards mobile-first banking services as customers seek faster and more convenient access to credit.KCB noted that the new products are part of a broader strategy to deepen financial inclusion while responding to changing consumer needs in the digital economy.Enhanced Scoring Models Drive Loan UptakeA key contributor to the growth in mobile lending was the introduction of a new KCB M-PESA application scoring model.According to the report, the updated scoring model resulted in a 7 per cent year-on-year growth in the number of customers within the credit-eligible pool. It also led to a 17 per cent increase in the value of customer loan limits.The improved limits subsequently translated into an 8 per cent increase in loan disbursements during the year.KCB said the enhanced scoring system leverages customer behavioural and transactional data to improve credit assessment and expand lending opportunities to more users.Regular Credit Reviews Support CustomersThe bank also implemented bi-monthly credit limit review cycles for key lending products, including the KCB Mobile Loan and Salary Advance Loan.The reviews were aimed at ensuring that customer borrowing limits remained aligned with their financial activity and repayment behaviour.Additionally, KCB updated its KCB Mobi business rules through the integration of M-Pesa and PesaLink inflows into its credit decision-making framework.The integration expanded the pre-scored customer base while supporting higher credit limits, further contributing to increased mobile loan disbursements throughout the year.KCB Disburses KShs 1.5 Billion Daily as Mobile Lending Growth AcceleratesStrengthening Governance and Risk ControlsAs digital lending volumes continue to grow, KCB said it is strengthening internal controls, governance, and risk management structures across the Group.The Group Internal Audit function now operates under the Institute of Internal Auditors Global Internal Audit Standards, which became effective in January 2025.According to the report, the Internal Audit team provides independent and risk-based assurance on governance, risk management, and internal controls across the Groups operations.KCB reported a 99 per cent closure rate for audit issues identified during the year following targeted corrective actions and strengthened preventive and detective controls.The lender said its 2026 audit focus areas will include cybersecurity, operational resilience, digital platform delivery, third-party technology risks, data governance, and emerging artificial intelligence risks as the Group continues scaling its digital operations across the region.Digital Banking Continues to Shape the SectorThe latest figures highlight the growing importance of digital credit in Kenyas financial services industry as banks increasingly rely on data-driven models to expand access to financing.With mobile banking adoption continuing to rise across the region, lenders are expected to invest further in digital products, analytics, and technology-driven risk management systems to meet evolving customer demand while safeguarding financial stability.The post KCB Disburses KShs 1.5 Billion Daily as Mobile Lending Growth Accelerates appeared first on Africa Business News.