Nairobi, Aug. 26 -- Lenders are seeing a growing demand for salary advances and other payslip-backed short-term digital loans as workers increasingly turn to credit to bridge cash-flow gaps between paydays.

The trend is providing banks and digital lenders with a growing market as salaried customers seek quick access to funds for emergencies, bills, school fees and other financial obligations.

Fresh disclosures show that Co-operative Bank of Kenya disbursed Sh41billion on its short-term mobile credit platform, e-flexi, between January and July 2026, up from Sh35.75 billion in a similar period of 2025. Salary advances from the Co-operative Bank of Kenya form a major share of its digital lending.

The growth represents a 14.7 percent incre...