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Q2 2025 Kenya Consumer Pulse Study

Understand shifting consumer behaviours to drive better decisions

As economic uncertainty continues, understanding how consumers manage their finances is essential.

The Q2 2025 TransUnion® Consumer Pulse Study offers insight into income trends, spending, debt behaviour and digital engagement — helping financial services, telecoms and FinTech businesses develop strategies grounded in real consumer-based data.

How Kenyan consumers are adapting to financial uncertainty:

  • Many households reported income growth, yet most were reducing discretionary spending
  • Consumer optimism remained strong despite persistent concerns about inflation, job security and housing costs
  • Many anticipated difficulty meeting obligations and were turning to partial payments, gig work or savings
  • Credit demand was high, but affordability, cost and perceived rejection prompted caution
  • Digital engagement and credit awareness rose as more consumers checked reports and valued alternative data

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Use these findings to inform more targeted acquisitions, improve risk decisions and better align fraud strategies with emerging consumer behaviours.

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