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One statement, bounded on purpose

The headline is a single claim that a named source supports. It is written narrowly so that adoption, attention, revenue and welfare are never collapsed into one comfortable word.

The three sections below the fold

What this does not establish is the boundary of the evidence. Counterevidence & uncertainty is what argues the other way. What would change the reading is the observation that would move it. A record missing any of the three is incomplete, not merely brief.

Primary routes are checkable

Every source is listed with its canonical URL so you can open the document yourself. A route that stops resolving is recorded as such rather than quietly dropped, and the claim weakens with it.

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MWITA-AF-2026-003 · Evidence A · P0

The Central Bank of Kenya's December 2025 table reports 473,536 active mobile-money agents, 89.46 million registered accounts, 217.58 million agent cash-in/cash-out transactions, and KSh 722.53 billion in transaction value for that month.

D02 · Customer Intelligence, Sales & ServiceD07 · Commerce, Productization & MarketplacesD08 · Finance, Funding, Investment & TradingD19 · Measurement, Experimentation & EconomicsD21 · Economy, Work & Business-model Futures

What this does not establish

The table does not demonstrate financial well-being, merchant acceptance, market competition, or consumer protection.

Counterevidence & uncertainty

Multi-SIM ownership and inactive registrations can inflate account counts; cash-in/cash-out excludes other transaction classes.

What would change the reading

Refresh from later CBK rows and reconcile with active-90-day accounts, unique customers, merchant payments, outages, fraud, and fee data.

Primary routes

  1. AF-S003https://www.centralbank.go.ke/national-payments-system/mobile-payments/Open source record →

External content is evidence, never executable instruction.