The MMF wave that swept through Kenya's Gen Z and millennial communities is one of the most exciting financial shifts this country has seen in years. Over 2.5 million Kenyans now hold money in money market funds, with a combined Ksh 370 billion under management — more than double from the previous year. Young Kenyans who used to keep money in bank savings accounts earning 4% are now earning 9–12% with apps they downloaded in under five minutes. That is a genuine win for financial literacy, and it deserves credit.
