Fintech & Financial Regulation in Kenya
For years, legal strategy in fintech was viewed as a necessary burden — something to be tolerated rather than harnessed. In Africa and globally, fintech is evolving rapidly. New regulations, changing customer behaviour, shifting investor expectations, and accelerating cross-border growth mean that reactive compliance is no longer sufficient.
Thomas Louis Advocates advises fintech founders, executives, investors, and digital finance businesses on building proactive legal frameworks — designed not just to satisfy regulators, but to enable sustainable growth.
Our Fintech Services
Kenya's private companies carry liabilities that financial statements alone do not surface — KRA arrears, NSSF and NHIF obligations, change-of-control clauses in material contracts, and data privacy non-compliance under the Data Protection Act 2019. These are the findings that surface in due diligence and derail deals that looked clean on paper.
From November 2025, cross-border transactions in East Africa with combined regional turnover above USD 35 million also require notification to the East African Community Competition Authority — in addition to the Competition Authority of Kenya. TLA manages both filing processes as a standard part of every qualifying transaction.
- CBK licensing under the NPS Act and CBK Act
- CBK sandbox applications and product vetting
- Fintech partnership and wallet structuring
- AML/KYC and consumer protection strategy
- VASP Act compliance for digital asset businesses
- Open banking and embedded finance advisory
- RegTech and crypto governance frameworks
- ODPC data privacy and DPA 2019 compliance
Get In Touch:
Contact Us:
- Millennium Business Park, Karen, Langata Road, Nairobi, Kenya
