Kenyans are living two decades longer; the fertility and infant mortality rates have been cut in half; and school enrollment, at both the primary and secondary level, has more than doubled. On the economic front, gross domestic product (GDP) per capita increased eightfold; the largest share of GDP is the services sector, not agriculture; and the financial sector is now the third largest in Sub-Saharan Africa (after South Africa and Nigeria). Kenya strengthened its external position substantially in recent years, accumulating international reserves to meet program targets under the successfully completed international monetary fund (IMF) program. Reforms have improved the resilience of the banking sector to domestic and international shocks. With the advent of mobile information and communications technology (ICT) developments, the ceiling for innovation targeting specific segments of the market and outreach has been raised almost indefinitely. Kenyan banks are ahead of their counterparts in Sub-Saharan Africa in terms of the share of lending to small and medium-size enterprises (SMEs) in their portfolios. A mature banking sector and more generally, a well-developed financial sector that supports a vibrant private sector will be an important advantage to achieving the vision 2030 goals.