At what point do you consider yourself financially included? This question, which is this paper's objective, is considered mundane and therefore seldom asked and consequently hardly answered. The paper anchors its assessment on the distinction between access and usage of financial services and...

This paper seeks to examine the effect of Fintech credit on bank stability using an unbalanced panel dataset of 37 commercial banks in Kenya between 2013 and 2020. The recent evolution of Fintech comes with the promise of being both revolutionary and disruptive. The temptation of a...