- More Saccos are moving financial services onto digital platforms
- Mobile, USSD and digital lending services continue to expand
- Sacco agency networks also record growth as access widens
Saccos are now taking financial services to the internet as the sector expands its digital platforms and reduces reliance on traditional branches.
The 2025 Sacco Supervision Annual Report shows that 184 of the 357 regulated Saccos, representing 51.54 per cent, had mobile money financial services accessible through internet-enabled devices and applications by the end of 2025.
This figure rose from 171 Saccos in 2024, reflecting increased adoption of internet-based financial services.
Deposit-taking Saccos recorded the highest uptake, with 119 out of 179, which is 66.48 per cent, connected to web and app-based services. Among the 178 non-withdrawable deposit-taking Saccos, 65, equivalent to 36.52 per cent, had adopted the platforms.
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Similarly, the shift is being seen in other digital channels. By 2025, 250 regulated Saccos, or 70.03 per cent, had deployed Unstructured Supplementary Service Data (USSD) services, up from 245 in 2024.
Saccos are also expanding digital lending, with the number of approved digital financial products increasing from 345 in 2024 to 407 in 2025, a 17.97 per cent rise. The number of Saccos offering the products grew from 236 to 267.
At the same time, Sacco agency networks expanded from 4,247 agents in 2024 to 4,377 in 2025, with the agents operated by 42 Saccos compared with 40 the previous year.
By Lizzy Aluga
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