In this episode recorded on October 23, 2025, and hosted by Julians Amboko, we are joined by Dr. Samuel Tiriongo, Director of Research & Policy - Kenya Bankers Association, as we unpack the revised risk-based credit pricing model anchored on KESONIA and what it means for banks, borrowers, and the economy.

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Show Notes

00:00:00 Introduction

00:04:52 Risk-Based Pricing and Transition to a Unified Base Rate

00:23:28 Impact, Market Governance, Risk-Scoring, and Safeguards

00:34:31 Interest Rates and Fiscal Dominance

00:39:35 KESONIA Minus

00:42:05 Net Interest Margins and Risk Assessment for the Unbanked

00:46:26 Transition Timelines and Bank Preparations

00:52:56 Fixed vs Variable Rate Loans

00:57:52 Global Examples and Regional Leadership

00:59:45 Closing Thoughts

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