Nairobi, July 20 -- Kenya's next financial challenge is not access, it is understanding.

Kenya is often held up as a global success story in financial inclusion. With the rise of mobile money services such as M-Pesa, the country has shown how technology can bring millions of people into the formal financial system, many for the first time. By 2024, 84.8 percent of Kenyan adults had access to formal financial services, up from 26.7 per cent in 2006.

But access, impressive as it is, should not be confused with understanding. For a generation of young Kenyans, financial tools are arriving earlier and faster than the knowledge required to use them well. Teenagers are growing up in a world of mobile wallets, digital banking, instant transact...