Nairobi, June 14 -- A few months from now, your bank could know you are shopping for a house before you submit a mortgage application.

It could recommend home insurance the moment you complete the purchase, flag early signs of financial stress before you miss a loan repayment, and spot suspicious transactions within seconds of fraud occurring.

This is the future that technology firms and financial companies are increasingly building toward as artificial intelligence (AI) moves from experimental pilots into core banking and insurance operations.

In Kenya, banks, insurers, mobile money providers and fintech firms already generate large amounts of customer data, including deposit, withdrawal and fund transfer details, spending habits, bud...