Financial Services
Counsel to banks, insurers, asset managers and fintechs operating at the regulated edge of Kenyan finance.
Understanding the financial services operating environment.
Kenya's financial-services sector is among the most dynamic, and most heavily supervised, in the region. CBK, IRA, SASRA and the CMA are each tightening oversight while digital lending, bank-assurance and embedded finance expand the regulatory surface in parallel.
The institutions we act for sit at the intersection of capital, technology and compliance. Tier-2 consolidation, insurance demutualisation, digital credit licensing and the steady migration of payments onto open infrastructure mean every commercial decision now carries a regulator-engagement workstream behind it. The cost of getting that workstream wrong is no longer reputational alone, it is licence-conditional.
Our role is to make the regulated path the commercial path. We structure products, transactions and group reorganisations with the supervisor in the room from day one, and we defend the positions we design when CBK, IRA or SASRA later test them in inspection, enforcement or remedial action.
- CBK and IRA regulatory pressure
- Cross-border compliance
- Digital lending oversight
Opportunities we structure and protect.
How our practices serve this sector.
Banking & Finance
Capital, credit and cross-border financing engineered for African markets.
EXPLORETax
Strategic tax counsel for complex transactions, disputes and KRA engagement.
EXPLOREDispute Resolution
Considered, strategic and relentless when the matter goes to court.
EXPLOREWhy financial services clients choose us.
Partners leading this industry.
Gertrude Kibare
Managing Partner. Leads the firm's litigation and banking & finance practice with a focus on strategic, resilient counsel.
SEE FULL PROFILE
Johnson P. Osoi
Founding Partner. Leads complex corporate, project finance and energy mandates with a regional footprint.
SEE FULL PROFILESector commentary and updates.
CBK Regulatory Pipeline: What Lenders Should Track
The Central Bank of Kenya's regulatory pipeline is dense. Here is the lender's tracker.
East African M&A: Where Capital Is Moving in Q1 2026
Sector flows, deal structures and the regulatory choke-points shaping mid-market M&A in East Africa.
Kenya Data Protection: What Boards Should Action in 2026
ODPC enforcement trends, DPIA expectations and the privacy posture every Kenyan board should be reviewing this quarter.
Sector questions, answered.
Do you act for both lenders and borrowers?+
Yes, but never on the same transaction. We maintain strict conflict walls so each client receives undivided counsel.
Can you front regulator engagements with CBK, IRA or SASRA?+
Yes. We routinely lead supervisory correspondence, on-site inspections and remediation programmes.
Do you advise on digital-lending licensing?+
Yes, including DCP application, product structuring, pricing-and-disclosure review, and ongoing CBK compliance reporting once the licence is in hand.
Can you support tier-2 bank consolidation and insurance M&A?+
Yes. We act for both acquirers and sellers across diligence, regulator clearance, scheme implementation and post-completion integration, with experience of CBK, IRA and CMA workstreams running in parallel.
How do you handle bank-assurance and embedded-finance partnerships?+
We design the commercial, regulatory and consumer-protection architecture together, including data-flow, distribution-margin and complaints-handling provisions, so the partnership survives both supervisory review and customer scrutiny.
Talk to counsel who knows this sector.
Whether you require a confidential consultation or a free case evaluation, our partners are ready to listen.