Practical guides
How banking, payments and company documents actually work in Kenya — written for people who have to get it right first time.
What CBK licensing actually involves
A Kenyan banking licence is a supervisory determination, not a registration. This is what the Central Bank of Kenya assesses, what the statutes require, and what a firm…
Bulk payouts: the batch is not one transaction
Paying hundreds of recipients looks like a single instruction. Behind it is a per-recipient settlement with its own failure modes, partial completions and reconciliation…
Paybill or Till: the choice that shapes your bookkeeping
Both let a customer pay you from an M-Pesa wallet. They are not interchangeable, and picking the wrong one creates a reconciliation problem you will live with for as…
CR12: the document that stalls business account applications
A CR12 is a point-in-time official search of a company's directors and shareholders. Banks treat it as third-party evidence of who controls a company. Most applications…