Clay&AssociatesAdvocates

Financial Services

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Analysis and commentary on Kenyan law as it is practised: corporate, IP, regulatory, disputes and the industries we serve. Written by the advocates who do the work.

A technician working on network cables in a server roomCorporate & CommercialSelling Your Data Centre to Private Equity: What Their Due Diligence Will Actually Focus OnInfrastructure private equity does not run the same due diligence process a typical trade or tech buyer would.…18 Sep 2026A businessman thinking while working at his laptopCorporate & CommercialTrade Sale, Private Equity, or IPO: Comparing Exit Routes for a Kenyan Data Centre InvestorA data centre is not a startup, and an investor planning how to eventually exit one should not…18 Sep 2026Two professionals reviewing a document together in an officeRegulatory & ComplianceWhat Does “Enhanced Due Diligence” on a Politically Exposed Person Actually Involve?A new client walks in, and someone on your compliance team flags them as a politically exposed person.…18 Sep 2026A hand pointing at financial charts on a tablet and screensFinancial ServicesCould My Company Raise Capital Through Securitisation in Kenya?Kenya has had a complete legal framework for securitisation since 2007. Almost nobody has actually used it. If…18 Sep 2026A group of community members gathered togetherLitigation & Dispute ResolutionMy SACCO Board Made a Decision I Disagree With. What Can I Actually Do?A SACCO board decision, refusing a loan on unclear grounds, restricting a withdrawal, changing dividend policy, or terminating…18 Sep 2026Two people using smartphones for a mobile payment and QR code scanRegulatory & ComplianceBuilding an AML Risk Assessment for a Kenyan Fintech or DCP: Where Do You Even Start?Most digital lenders discover their AML obligations backwards: they build the product, start onboarding customers, and only then…18 Sep 2026Kenyan digital lending customer checking a mobile phone, illustrating algorithmic credit scoring in everyday borrowingRegulatory & ComplianceAlgorithmic Credit Scoring and AI Bias in Kenya’s Digital Lending MarketDigital lenders in Kenya increasingly approve or decline a loan application in seconds, based on a model that…16 Sep 2026Nairobi central business district skyline with commercial towers, representing the banks and financial institutions regulated under Kenya’s Banking (Fees) Regulations, 2026.Financial ServicesKenya’s Banking (Fees) Regulations 2026: New Annual Fees for BanksThe Central Bank of Kenya has replaced the fee structure that banks, financial institutions and mortgage finance companies…16 Sep 2026Close-up of a hand signing a loan or financing document at a desk, representing a lender and borrower finalising a warehouse receipt collateral agreement in KenyaCorporate & CommercialUsing Warehouse Receipts as Loan Collateral in KenyaA farmer or trader who stores agricultural produce in a warehouse licensed under Kenya's Warehouse Receipt System Act…16 Sep 2026 Talk to usNeed advice on Financial Services?Speak to an advocate about your Financial Services matter.Get in touch