Kenya’s lenders must name who can overrule the machine.
Kenyan law already forbids refusing a loan on a credit score alone, and the data regulator’s draft guidance sends a contested automated decision to a person with authority to change it. A board should be able to name who can stop a decision for one customer, for a group of customers and for the whole system, and show that each has the authority, the information and the time to do it.
Digital Lending · 29 Oct 2026 · 12 min read