In 2024 alone, Safaricom and Airtel processed hundreds of billions of dollars in transactions for businesses of every size, supporting a significant share of retail activity across the country.
For supply chains, that means faster payments and healthier cash flow. Distributors can pay suppliers as soon as goods are delivered instead of waiting for thirty-day payment cycles. Market traders can replenish stock on the same day. Companies such as Twiga Foods have built farm-to-retail supply chains around digital payments, reducing waste and improving efficiency. If your business still doesn't accept mobile payments, you're making transactions more difficult for both yourself and your customers.
Paperwork Goes Digital
If you import or export, this is one of the biggest changes you'll experience, even if your customers never notice it.
Kenya’s TradeNet System, operated by KenTrade, provides a single online platform for submitting documents and payments to more than 35 government agencies. Instead of visiting multiple offices, businesses can complete most import and export documentation digitally. The result has been a significant reduction in cargo dwell times at the Port of Mombasa.
Behind the scenes, the Kenya Revenue Authority’s Integrated Customs Management System (iCMS) manages cargo manifests, validates customs declarations, calculates duties, and automatically notifies importers. The Regional Electronic Cargo Tracking System (RECTS) monitors trucks fitted with electronic seals as they move through Kenya, Uganda, Rwanda, and the Democratic Republic of the Congo, using smart gates and real-time monitoring centres.
Digitalisation continues to expand. Electronic invoicing through eTIMS now links directly to tax records, while advance cargo declaration requirements further strengthen customs processes. The message for businesses is simple: accurate digital documentation helps goods move faster.