Nairobi, June 16 -- Across Kenya, everyday life moves at the speed of a notification. A father in Nairobi sends money to his daughter at a University in Eldoret. A trader in Gikomba transfers cash from their mobile wallet to restock for the day. A commuter pays for a ride with a tap on a phone.

This shift is not merely technological. It reflects a fundamental change in how individuals and businesses expect financial services to work: fast and on demand. According to McKinsey, roughly 73 percent of all interactions with banks globally are now conducted via digital channels.

Recent data from the Kenya Bankers Association shows that more than half of the industry's customers now prefer self-service channels such as mobile and internet bank...