Cloudflare glitch triggers global website access outages

Web traffic on several major sites was disrupted globally on Tuesday afternoon following an unidentified issue affecting Cloudflare, a US-based firm that provides security and performance services for websites and networks.

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Millions of internet users were unable to access some platforms, including social media site X (formerly Twitter) and ChatGPT, after Cloudflare suffered a systems failure.

‘Cloudflare is experiencing an internal service degradation. Some services may be intermittently impacted. We are focused on restoring service. We will update as we are able to remediate,’ the company said on its status page.

Users attempting to load affected sites encountered messages such as ‘internal server error’ and ‘there is an internal server error on Cloudflare’s network.’

According to Downdetector, which tracks real-time outages, Cloudflare began experiencing problems from 2.16pm, with reports surging from two incidents to thousands by 2.46pm.

In a 4pm update, Cloudflare said: ‘We are continuing working on restoring service for application services customers.’

Cloudflare sits between a website’s server and its users, helping to block cyberattacks, speed up load times and prevent servers from being overwhelmed. Because so many platforms rely on Cloudflare for routing and protection, a disruption in its systems can trigger widespread outages across multiple services at once.

Value of horticulture exports up to Sh87 billion

Kenya’s horticulture exports grew 20 percent to Sh87.3 billion in the first half of the year, on the back of higher quantities of fresh cut flowers, fruits and vegetables sold abroad.

Analysis of the data from the Kenya National Bureau of Statistics (KNBS) shows that horticultural exports in the review period grew 19.04 percent from Sh73.3 billion in a similar period last year.

Monthly quantities of fresh horticultural exports grew to 252,083 tonnes in the first half of the year from 210,053.20 tonnes in a similar period last year.

Cut flower exports from Kenyan farms grew to Sh47.1 billion in the period under review from Sh39.4 billion in the previous year. Quantities of cut flowers sold abroad rose to 66,688.3 tonnes in the six months to June 2025 from 52,524.1 tonnes a year earlier.

Most of Kenya’s flowers are sold to the Netherlands (about 70 percent), followed by the United Kingdom. Other significant markets are Germany, Italy and France.

The quantity of fruits exported rose to 147,860.9 tonnes in the six months under review from 123,369 tonnes sold in the previous year.

This growth saw the value of fruits exported from Kenya increasing to Sh29.3 billion from Sh22.1 billion.

Fruit production is seasonal, with KNBS data showing that output peaks between March and April.

The volume of vegetable exports grew marginally to 37,534.3 tonnes from 34,160.1 tonnes in the period under review however, the value of the exports fell slightly to Sh10.9 billion from Sh11.8 billion.

Kenya’s horticultural industry generates thousands of employment opportunities in the agriculture sector and is one of the country’s top exporters and foreign exchange earners.

Local producers have benefitted from a stronger euro and improved logistics as they supply into the European market.

‘This year we have observed a stable currency and more reliable shipping into our main European export markets,’ agricultural firm Kakuzi said in its interim financial statements for the half year to June 2025.

Shipping of goods through the Red Sea was disrupted last year and early this year due to the Middle East conflict but the situation has improved significantly in recent months.

The euro gained to highs of Sh151.4 at the end of June 2025 compared to Sh134.4 at the beginning of the year, having depreciated dramatically from highs of Sh176 at the start of 2024. A stronger euro results in higher earnings for Kenyan exporters in shilling terms.

Besides Europe, Kenya’s horticultural products are sold in other markets including China, Peru and South Africa.

Apex bank retires Sh20bn bonds early, misses larger target

The November Treasury bond buyback failed to hit its target of Sh30 billion after the Central Bank of Kenya (CBK) rejected more than a third of the offers made by bondholders.

The CBK bought back Sh20.08 billion worth of the securities out of offers of Sh34.3 billion at a price of Sh103.29 per bond unit of a face value of Sh100.

The Treasury was buying back a portion of the three-year bond issued in May 2023, which is due to mature in May 2026. The bond has an outstanding value of Sh76.54 billion, which will drop to Sh56.46 billion once the buyback is settled.

The average yield to maturity on accepted offers stood at 7.78 percent, just two basis points below the average yield of 7.8 percent demanded by bondholders to sell to the government.

The bond has a coupon (fixed interest rate) of 14.228 percent and last paid investors their semiannual returns on November 10, 2025.

According to analysts, the small differential between demanded and accepted yields indicates that investor bids were not the primary reason behind the CBK’s decision to reject Sh14.2 billion worth of offers.

‘The rejection rate thus points to potential cash flow concerns for the government in the near term -hence the need to keep some cash in hand- given that the price demanded by bondholders closely matched that of accepted offers,’ said a bond dealer in a commercial bank.

Earlier this month, the Treasury raised Sh52.8 billion from the sale of reopened 15 and 20-year bonds, which had realised bids worth Sh92.9 billion.

The proceeds of this sale were expected to be partially used to fund the buyback, given that the state is currently ahead of its pro-rated borrowing target with a net haul of Sh434 billion so far in the current fiscal year.

However, the CBK reopened a further two bonds for sale last week with an eye on the buyback expenditure. They are a 15-year paper first sold in 2019 and a 25-year one issued in 2022 -targeting Sh40 billion and marking a rare occasion of the CBK making two bond sales within a single month outside of tap sales.

The two reopened bonds, which have been on sale since November 11, will be auctioned on Wednesday.

In choosing to pursue domestic bond buybacks in the current fiscal year, the government has been looking to smoothen maturities away from months when high repayment obligations would pose a liquidity problem for the exchequer.

Buybacks allow the government to repurchase its own debt from investors/holders before the maturity date.

In addition to smoothening the future maturity profile, buying back bonds can also help the exchequer save on interest costs by replacing high interest instruments with lower paying paper.

The government’s domestic bond issuance calendar for the 2025/2026 fiscal year shows that the Treasury planned for six domestic bond buybacks, including papers valued at Sh103.4 billion with an August 2026 maturity and Sh144.5 billion maturing in September 2027.

In February this year, the CBK carried out its first domestic bond buyback with a Sh50 billion repurchase of portions of three bonds that were due to mature later in April and May, easing the headache of payments in the two months.

The liability management plan also calls for issuance of switch bonds, in which investors or bondholders are given the option of rolling over their expected final payouts to another security with a longer maturity profile.

Previous switch bond issuances have been utilised to move holders of maturing short term Treasury bills to longer dated bonds.

Why TSC should be protected from vested interests

There has been a sustained attack on the Teachers Service Commission (TSC) in recent months. For the record, any public institution must be open to scrutiny and criticism. The TSC is not perfect and it has its fair share of challenges.

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However, what we are witnessing lately is not constructive criticism but an orchestrated attempt to delegitimise an institution that has done remarkably well in stabilising the teaching service during one of the most turbulent periods in Kenya’s education history. It is unfair to criticise without offering alternatives or acknowledging the good things someone has initiated.

When Dr Nancy Macharia’s tenure ended, many expected chaos and confusion in the leadership transition.

Yet, under the stewardship of the acting CEO, Dr Eveleen Mitei, the TSC has remained steady. Dr Mitei, a seasoned education administrator, has shown firmness and understanding in balancing the interests of the government, teachers and the public.

The ongoing transition from the old education system to the competency-based curriculum (CBC) and the introduction of the Senior School have posed enormous logistical and human resource challenges.

Yet, the commission has navigated these transitions smoothly – deploying, training and promoting teachers in record numbers to meet the new system’s demands.

The commission has facilitated the training of thousands of teachers on the CBC approach, ensuring that no learner is left stranded because of a lack of qualified instructors.

This has been achieved despite budgetary constraints, delayed disbursement of funds and shifting policy demands from the Ministry of Education. There has also been an improvement in teachers’ welfare and career progression.

For years, teachers lamented stagnation – some spending over a decade in one job group without promotion. Under the current TSC leadership, those concerns have been addressed systematically. Thousands of teachers have received long-awaited promotions.

The implementation of the collective bargaining agreement (CBA), negotiated between the unions and the commission, has been honoured in both spirit and letter. It is important to remember that many of these gains came at a time when other public sector workers were facing wage freezes and austerity.

Equally commendable is how the commission has handled the issue of teachers’ health insurance. The AON-Minet scheme had its fair share of complaints, but under the current management, there has been a deliberate effort to review the policy framework, streamline service delivery and ensure teachers receive value for their money.

The commission has established open channels for feedback and redress. Currently, the commission is migrating the over 400,000 teachers to the Social Health Insurance Fund (SHIF).

The TSC has also remained steadfast in maintaining professionalism within the teaching service. Through effective supervision, disciplinary procedures, and teacher management systems, the commission has ensured that the dignity of the profession is upheld.

While critics accuse the TSC of being high-handed or bureaucratic, they forget that every profession requires discipline and accountability.

The commission’s insistence on merit-based appointments, strict adherence to ethical standards and the use of digital platforms for transparency are steps in the right direction.

What is perhaps most unfortunate is that much of the criticism aimed at the TSC appears politically motivated. The noise about ‘radical surgery’ and ‘restructuring’ is not born of genuine concern for teachers but from personal ambitions and power games.

The position of CEO is vacant, and there are those eyeing it desperately. In their quest for visibility, they have resorted to smearing the very institution they hope to lead. That kind of hypocrisy should be called out.

It is also noteworthy that the TSC is one of the few independent commissions that have remained functional and professional despite political turbulence. It has resisted capture, maintained institutional memory, and delivered on its constitutional mandate of registering, deploying, and disciplining teachers.

This consistency has provided predictability in a sector that is the backbone of our national development.

Let us give credit where it is due. The TSC has provided stability, professionalism, and direction in a sector that is often mired in politics and emotion. Instead of tearing it down, we should strengthen it. For in defending TSC, we defend the future of our teachers and by extension, the future of our children.

Fast execution and local access make Kenyan forex apps a clear winner

The forex market in Kenya has grown into one of the most attractive investment opportunities for individuals seeking to expand their income sources. With digital access improving and mobile-first solutions becoming a way of life, trading has shifted toward apps that make participation faster and simpler.

Today’s traders want speed, reliability, and convenience, and mobile platforms are delivering exactly that.

Using a forex trading app has become the preferred way for many Kenyans to access global markets. Brokers like HFM and others have built platforms that combine advanced execution speeds with user-friendly features.

For Kenyan traders, this means they no longer have to rely solely on desktop setups or external tools. Instead, they can manage trades, monitor real-time data, and analyse charts directly on their smartphones.

Why Fast Execution Is Critical

Speed is one of the defining factors in forex. The value of currencies can shift within seconds, and traders who react late may miss opportunities or face unnecessary losses. Fast execution ensures that trades are placed at the intended price without delays or slippage.

For Kenyan traders, especially those in fast-moving markets such as USD/KES or commodities linked to the region, execution speed is vital. Local mobile apps are now capable of matching the pace of international platforms, giving Kenyan investors the ability to compete fairly in the global environment.

Local Access Builds Confidence

Local access is another reason why forex apps are gaining popularity in Kenya. Traders want services that cater to their specific needs, including localised payment options, language support, and relevant currency pairs. Mobile apps designed with Kenyan users in mind provide exactly that.

Having local customer support and familiar transaction systems like M-Pesa integrated into apps builds trust. Kenyan traders appreciate knowing that their deposits, withdrawals, and queries are handled with speed and reliability. This local focus has been key to expanding participation across the country.

The Advantages of Mobile-First Platforms

Mobile-first trading platforms are not just about convenience; they redefine the trading experience. By putting everything into a smartphone app, brokers give Kenyan traders access to tools that once required professional setups.

Key advantages include:

Real-time price feeds and charting tools

Instant trade execution and order management

Local deposit and withdrawal methods

Push notifications for news and market events

Accessibility from anywhere with an internet connection

These benefits show why more Kenyans are moving away from desktop-only platforms and choosing mobile solutions.

Supporting Traders Across the Country

One of the strongest impacts of forex apps in Kenya is their ability to reach traders outside Nairobi. With mobile penetration high across the country, individuals in smaller towns and rural areas can participate just as easily as those in urban centres.

This has encouraged financial inclusion, allowing more Kenyans to take part in global markets. Instead of being limited to professionals or institutions, forex has become accessible to students, entrepreneurs, and part-time traders alike.

Education and User-Friendly Design

Another feature making forex apps a clear winner in Kenya is their focus on education and simplicity. Many platforms now include tutorials, articles, and demo accounts directly within the app. This means beginners can learn while practicing without risking real money.

User-friendly design is also a priority. Kenyan traders value apps that are easy to navigate, with clear menus and straightforward functions. This ensures that even those new to trading can quickly understand how to buy, sell, and manage risk.

The Role of Local Payment Integration

A critical aspect of local access is the integration of payment systems that Kenyan traders already use. By including M-Pesa and other regional solutions, forex apps remove barriers to entry. This makes funding accounts and withdrawing profits smooth and familiar.

For many Kenyans, this integration is what sets local apps apart from international ones. It creates a seamless bridge between daily financial habits and global trading opportunities, making forex participation feel less intimidating.

How Apps Are Shaping the Future of Forex in Kenya

The shift to mobile apps is not just a passing trend. It represents the future of trading in Kenya. As connectivity improves and more brokers invest in mobile technology, apps will continue to become the centre of forex activity.

Next-generation apps may include artificial intelligence, personalised alerts, and deeper analytics tailored to Kenyan markets. For traders, this means more powerful tools in the palm of their hands and more opportunities to grow.

Conclusion

Fast execution and local access are two of the strongest reasons why forex apps are winning over traders in Kenya. By combining speed with payment integration, education, and user-friendly design, they meet the demands of both beginners and professionals.

The use of a forex trading app makes it possible for Kenyans to participate in global markets with confidence and convenience. Platforms like HFM and others offering mobile-first solutions are driving this transformation. For Kenyan investors, the future of forex is clear: faster, more accessible, and entirely mobile.

Green Financing as a Catalyst for Kenya’s Environmental Renaissance

As Kenya races to meet its climate commitments, reducing greenhouse gas emissions by 32 percent and restoring over 10 million hectares of degraded land by 2030, the role of environmental stewardship has moved from a sustainability sidebar to a national imperative.

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With rising climate shocks, depleted ecosystems, and growing energy needs, Kenya’s environmental recovery hinges on a financial system that sees nature not just as a cause, but as an investment opportunity.

The financial sector, which powers the nation’s development, has a profound responsibility to lead this charge.

From climate resilient infrastructure and clean energy deployment to nature-based solutions like reforestation and sustainable agriculture, the financial sector is increasingly at the centre of the country’s green transition.

However, this responsibility extends beyond the balance sheet and lending portfolios; it must be championed by the philanthropic arms of these institutions, which are uniquely positioned to mitigate the environmental impacts of development.

One of the most underleveraged opportunities lies in financing ecological restoration. Forests, wetlands, and mangroves are not just natural assets, they are climate regulators, carbon sinks, and economic engines.

Kenya’s ambitions to lead in the voluntary carbon market, projected to generate up to $1.7 billion by 2030, depend on verifiable, scalable conservation projects.

There are active environmental conservation efforts we’ve seen supported by the private sector in areas like the Coastal region where mangrove restoration efforts in Mwache have are helping preserve critical coastal ecosystems while enhancing their role as natural carbon sinks.

Philanthropic foundations of banks can play a pivotal role. By providing catalytic grants, de-risking innovative conservation models, and empowering local communities, they can lay the groundwork for larger scale investment and bridge critical funding gaps that commercial financing cannot address alone.

Another frontier is green SME finance. Small and medium-sized enterprises drive Kenya’s economy but often lack the capital to invest in sustainable technologies. While banks lend for economic growth, their foundations can ensure that growth is sustainable.

Through targeted grants for solar energy adoption, seed funding for waste recycling innovations, and capacity building programs for regenerative farming, these foundations can support a new generation of green entrepreneurs.

The rise of climate tech start-ups also demands more responsive, risk tolerant capital. Venture philanthropy, catalytic grants, and innovation funds aligned with climate outcomes can unlock growth in this emerging sector.

Foundations have a responsibility to support climate innovation funds and start-ups through venture philanthropy, catalytic grants, and innovation funds, making them investment ready and bankable businesses that can propel the impact. Yet, this philanthropic capital is not enough.

Kenya needs a financial culture shift one that rewards environmental stewardship, measures impact, and places people at the centre of climate action.

The foundations of financial institutions must champion this shift from within. This includes integrating environmental and social risk into programmatic strategies, embedding sustainability into portfolio strategies, and working collaboratively with civil society and local communities to co-design climate solutions.

The I and M Bank Foundation, for example, entered a collaboration framework with KFS to rehabilitate Ngong Road Forest Sanctuary Block.

This involves the installation of a 14.2 KM Fence line, improvement of infrastructure and forest restoration.

Equity Group Foundation has empowered over half a million households by providing more than 2.3 million clean energy products like solar lamps and modern cookstoves.

Similarly, the KCB Foundation is championing reforestation through its partnership with the Kenya Forest Service to plant millions of trees nationwide.

They are proving that funding ecosystem conservation, clean energy access for underserved communities, and climate adaptation programs is not just charity. These efforts signal what is possible when finance meets foresight and when institutions view environmental conservation not as an ethical checkbox, but as a smart strategy.

To achieve a truly climate-resilient economy, Kenya needs more than isolated green projects, it needs a coordinated revolution led by institutions with the power to influence the entire economic landscape.

As banks continue to lend for development projects, their philanthropic arms have a unique responsibility and opportunity to mitigate climate crises and champion a sustainable future.

Regulators, financiers, entrepreneurs, and policymakers must work together to embed sustainability into every investment decision. This is the moment to create climate smart financial systems that serve both people and the planet.

The question for every institution is no longer if they should act but how soon they will step up. The time for bold, foundation led leadership is now.

Irene Nzamu: The doctor giving child cancer patients a fighting chance

Dr Irene Nzamu is a paediatric haematologist oncologist and the Head of Paediatric Haematology and Oncology Unit at Kenyatta National Hospital. There are only 16 paediatric haematology oncologists in Kenya and only four are male

For starters, what exactly does a paediatric haematologist oncologist do?

A paediatric haematologist oncologist is a highly specialised doctor who diagnoses and treats children with blood diseases (haematology) and cancer (oncology).

There are only 16 paediatric haematologist oncologists in Kenya. How does that make you feel to be part of such a small community?

It is truly a humbling. It is a profound calling to care for children battling cancer and blood diseases. I have been working in this field for 10 years now.

Why majority of us are women? I believe it is because this field requires a deep reservoir of soft skills that women often excel in: immense compassion, a nurturing spirit, and innate capacity for caregiving. These qualities are essential to providing not just medical treatment, but holistic healing and support for both the child and their family.

What first drew you to paediatric haematology and oncology

During my medical studies at the University of Nairobi, I volunteered in the children’s cancer ward at Kenyatta National Hospital.

My time was spent singing with them, grooming them, and playing alongside them. Through those interactions, my heart truly warmed to these little angels.

I was deeply moved by how these young children fought cancer with such immense courage and strength, often seeming blissfully unaware of the severity of their condition. I realised these children needed far more than bonding and companionship-they needed dedicated, compassionate medical care.

What kind of training is required to become a specialist in this field?

It is a long and rigorous process. It begins with an undergraduate degree in medicine and surgery. After completing this and your internship, you then pursue a postgraduate Master of Medicine degree in Paediatrics and Child Health, which typically takes three to four years. During this residency, you complete rotations in various paediatric subspecialties, including paediatric haematology and oncology.

Once you are a qualified paediatrician, the next step is to undertake a dedicated fellowship in paediatric haematology oncology. This advanced training lasts two to three years and is crucial to gain deep, specialised knowledge solely in childhood cancers and blood disorders.

After the fellowship, you are certified as a paediatric haematologist oncologist. However, the learning never truly ends. To stay current with the rapid advancements in the field, you must continuously engage in professional development through specialised short courses, conferences, and research throughout your career.

Beyond medical expertise, which skills are most critical in your line of work?

First, you need immense patience. You often find yourself explaining complex information repeatedly to families under great stress, and this requires a calm, enduring presence.

Second, resilience is essential. The emotional weight of caring for seriously ill children and supporting their families is profound, and the ability to process difficulty and move forward is vital.

Third, you must possess strong communication skills. Conveying a cancer diagnosis, discussing complex treatment options, and providing support throughout a family’s journey requires clarity, honesty, and profound sensitivity.

Above all, the most critical skill is compassion. Without a genuine capacity for empathy it is impossible to thrive in this field.

Which children typically need to see a specialist like you?

We see children who are suspected of having either cancer or a blood disorder. This includes both confirmed cases and those where a diagnosis is still suspected but not yet verified.

For the suspected cases, our role is to conduct a thorough investigation-through various tests-to reach a definitive diagnosis. Once we have a clear picture and confirmation of the condition, we begin the appropriate treatment plan.

What’s the most memorable case you handled?

I will never forget this two-year-old girl who came to us with stage four neuroblastoma-an aggressive cancer that had spread throughout her tiny body. When she arrived, she was critically ill and nearly died on three separate occasions. Her treatment was intensely rigorous, filled with moments that tested our hope.

Yet, against all odds, she survived. Today, she is a healthy, bright seven-year-old who comes for annual reviews. Seeing her thriving in school fills my heart with profound joy and reaffirms my purpose.

Her journey is a powerful reminder that even the most severe cases can have hopeful outcomes. She embodies the reason I never give up-every child deserves a fighting chance.

What are the most significant challenges you face working in a resource-limited setting?

First, the high cost of treatments. Many parents struggle to afford the necessary drugs and tests, often having to purchase out-of-stock medications themselves.

Second, late diagnosis. This is the most painful challenge, as children often arrive when the cancer has advanced too far, leaving us with limited options, often only palliative care.

Third, treatment abandonment. Many families begin treatment but cannot finish due to reasons like long distances and a lack of money for transport.

Fourth, cultural beliefs and myths. These often disrupt care, as families are sometimes advised to seek solutions elsewhere, leading them to abandon effective medical treatment.

Fifth, stigma. A cancer diagnosis can lead to isolation and a desire to hide the illness, preventing families from continuing care.

Finally, a lack of specialised equipment and procedures. For example, many children with leukemia need a bone marrow transplant for a cure, but this is not available here.

Families must fundraise for treatment abroad. If our government made these resources available locally, it would transform outcomes for our children.

What aspect of your work gives you sleepless nights?

An avoidable death of one of my children. “Avoidable” means when a patient dies and you feel we failed that child. You think, if this child had come earlier, or if we had diagnosed them at stage one or two, they would have survived. It’s also the system issues-like a specific drug not being available-that haunt you.

It pains me that children who need a bone marrow transplant simply die because of poverty. You are left with the feeling that they could have survived if you had the equipment or facilities to offer that care.

As a country, we need to establish centres of excellence to perform procedures like bone marrow transplants. There is a lot of effort and resources directed toward adult cancers, like breast, cervix and prostate cancer, but people forget about children. This is a call to action for the government to fast-track the establishment of a paediatric bone marrow transplant centre.

Your message of hope for parents and families with a child battling cancer?

Most childhood cancers are treatable; it is not the death sentence people often say it is. We have had many children who have been treated successfully and have survived. Early diagnosis is key.

This work is immensely emotionally draining. What keeps you going?

First, it is the resilience of the children. The courage they have to fight cancer at such a young age is incredible. You look at how they fight, their hopefulness, and you think, if they are not giving up, why should I? I cannot afford to fail them.

Second, it is my faith in God. This is a God-given calling. Every morning, I wake up knowing God sent me to care for these children.

I have learned to accept what is God’s to handle and what is mine, so I don’t struggle with trying to do the impossible.

Finally, I have my ways to debrief. I love to sing and journalling when my heart feels heavy.

What advice would you give to a young medical student who wants to be a paediatric haematology oncologist?

Go for it! I strongly encourage more academically gifted young people to pursue this path. We have many children in need and too few specialists.

To make it, you must work hard to achieve academic excellence and master the scientific foundations of medicine.

Second, and just as importantly, you must have the heart for this work.

The field requires soft, human skills-a genuine capacity to care for children with cancer. This means having the compassion to go beyond your job description, to empathise with these children and their families. It is a specialty that demands both your mind and your heart.

How do you balance your demanding life as a mother and a paediatric haematology oncologist?

I have learned to balance these demanding roles by consciously prioritising and being fully present in every moment.

When I am at the hospital, I give my complete attention to my patients and their families. When I am at home, I dedicate myself wholly to my family.

I strongly believe in the power of quality time over quantity. It’s not about the number of hours spent, but the depth of connection and focus brought to each role that truly matters. This mindful approach allows me to fulfill both my professional calling and my deepest personal joys.

For a parent just starting this journey, you need to know that you are not alone. We walk this path together. You have your part to play, we have ours, and your child has theirs. Do not begin by giving up. We must keep fighting, knowing that it is curable, and we will fight together to achieve a cure.

Parents, please give your child a fighting chance. You never know-that child could survive, just like the little girl I mentioned earlier who almost died three times and is now happy and back in school. Let’s bring the children for treatment.

DNA storm in Kabogo SIM registration rules

The Communications Authority of Kenya (CA) has distanced itself from sections of the new regulations indicating the State’s intention to collect biometric data, including blood typing and fingerprinting and DNA for new SIM card registration.

The regulator reckons that the presence of biometric requirement in the revised regulations doesn’t indicate its intention to collect the personal data.

It added that it has not directed the telecoms operators to collect the data.

ICT Cabinet Secretary William Kabogo issued revised regulations on SIM card registration, which require telecoms companies to capture subscribers’ ID cards or passport details, name, postal address, and biometric data.

The rules also require the operators to ensure completion of a form, which captures many entries including biometric details.

‘A telecommunications operator or registration agent shall enter the registration particulars provided by a person in electronic or print form as provided in Form 1 set out in the Schedule and may require the subscriber to appear in person for registration,’ say the regulations.

Section 5 b of the form requires biometric data, which the regulations describe as ‘personal data resulting from specific technical processing based on physical, physiological or behavioural characterisation, including blood typing, fingerprinting, deoxyribonucleic acid analysis, earlobe geometry, retinal scanning and voice recognition.’

But the CA said that the mention of biometric in the regulations does not point to collection of the personal data.

‘This definition does not mean that all this information will be collected from subscribers during SIM card registration,’ the CA said in a Tuesday statement.

‘As a matter of fact, the Authority has not directed our licensees to collect this data.’

The CA said the regulations were developed to protect SIM card holders from fraud and criminal activities and support secure access to digital services such as mobile money, online government services and shopping platforms.

‘Operators are prohibited from sharing subscriber data without their consent or a lawful order. CA and the Office of the Data Protection Commissioner will provide strict oversight, including regular audits and issue strong penalties for abuse or misuse of customer data,’ the communications watchdog said.

The revised regulations give mobile operators the power to suspend SIM cards where subscribers provide false information or repeatedly ignore registration requirements.

This includes when a child attains 18 years of age and fails to register their personal identification details within 90 days.

Operators are, however, required to give notice through notifications and advertisements in print and broadcast media before the disconnection.

The new guidelines sparked concern as they were seen to violate the data minimisation principle provided for in the Data Protection Act, which requires organisations to collect and process only the personal data that is relevant and necessary for a specific, legitimate purpose.

‘Avoiding the processing of personal data altogether when this is possible for the relevant purpose; limiting the amount of personal data collected to what is necessary for the purpose; demonstrate the relevance of the data to the processing in question,’ the Act states.

Analysts also question telecoms operators’ capability to handle huge volumes of such sensitive data.

Financial literacy: The missing link in Kenya’s retirement readiness

Retirement readiness remains one of the least understood aspects of personal finance in Kenya. For many working men and women, it is a distant thought, something to worry about ‘later.’

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Yet, later comes faster than most expect. The reality is that retirement readiness is not simply about saving money. It is about understanding money and how the decisions we make today shape the quality of life we will have when the paychecks stop.

Financial literacy is the missing link that connects income, savings, and sustainable retirement. It is the foundation upon which all other aspects of financial well-being rest.

Without it, even the best retirement schemes cannot protect people from poverty in old age. With it, individuals can confidently plan, save, and live dignified lives long after they stop working.

Many working Kenyans assume that membership in a pension scheme guarantees a comfortable retirement. Yet, a pension is only as effective as the person managing it, and that person is you.

Financial literacy equips workers with the ability to make informed decisions: how much to save, how to invest, and how to draw down funds in retirement. It also helps understand the impact of inflation, longevity, and health costs on their future income needs.

Let’s face it, the cost of living in retirement is often underestimated. A retiree who earns Sh200,000 today may need twice that amount in 20 years just to maintain the same lifestyle, thanks to inflation.

Add medical expenses which typically rise with age and the financial strain can be overwhelming. Health care, in particular, is the single largest threat to retirement adequacy in Kenya. Yet most employees rarely plan for it beyond statutory health insurance.

Financially literate individuals not only save for daily expenses but also set aside funds for health emergencies, medical covers, and long-term care.

Financial literacy also promotes a mindset of adequacy, not just accumulation. The question is not only how much you have saved, but whether it will sustain the lifestyle you desire. Retirement should not mean financial deprivation; it should mean continuity of a well-planned life.

To achieve this, individuals must understand concepts such as replacement ratio: the percentage of pre-retirement income needed to maintain one’s standard of living. Internationally, this is often estimated at 70-80 percent, but in Kenya, many retirees struggle to achieve even 40 percent. That gap represents the true cost of financial illiteracy.

Equally important is understanding how debt affects retirement. Too many middle-aged workers carry mortgages, car loans, or personal debt into their 50s. Servicing these loans with reduced income after retirement becomes nearly impossible.

Financial literacy teaches us to align our borrowing with our earning years to ensure debts are cleared before the final paycheck. It also instills a culture of budgeting, goal-setting, and prioritising long-term security over short-term consumption.

Employers and pension trustees have a critical role to play in this journey. Workplaces are powerful platforms for financial education. When employees understand the value of compound interest, the impact of contribution rates, or how investment returns work, they become more engaged with their retirement schemes.

They make higher voluntary contributions and demand greater accountability from fund managers. In short, literacy creates ownership.

Yet, the conversation must also go beyond numbers. Financial literacy is not just about investments or pensions; it’s about values, choices, and balance. A well-informed worker appreciates that financial planning includes family, health, mental well-being, and community.

A retiree who has lived within their means, maintained good health, and cultivated strong social connections is far more likely to enjoy a fulfilling retirement than someone who only chased wealth.

Unfortunately, our education system rarely prepares young people for this. Few schools or universities teach personal finance, and many graduates enter the workforce with no understanding of budgeting, saving, or investing. By the time they realise the importance of retirement planning, decades have already passed.

We must therefore normalise financial literacy as a life skill, not an optional extra. The same energy we put into professional training should be applied to learning how money works.

Kenya’s pension penetration rate remains paltry 26 percent of the working population. This means millions of workers, especially in the informal sector, are headed for old-age poverty. But financial literacy can change that.

When people understand the power of small, consistent savings and accessible vehicles like individual pension plans, they take action. The journey to retirement adequacy begins with one financially informed decision at a time.

Policy and regulation also matter. Employers should be encouraged to integrate financial wellness programs into their benefits structures.

Pension funds should measure and report not just investment returns, but also member outcomes like, the actual improvement in members’ retirement readiness.

Regulators, educators, and financial institutions must collaborate to ensure every Kenyan, regardless of income level, can access practical financial education.

Ultimately, retirement is not an event, it is a long phase of life. For many, it will last 20 to 40 years. The difference between anxiety and peace of mind in that period often comes down to what we know and how we prepare. Financial literacy gives us that power: to plan, to adapt, and to live with dignity.

As a country, we must begin to view financial literacy as national infrastructure, as important as roads and hospitals. Because financially literate citizens make better decisions, support their families, reduce dependence on government, and contribute to the stability of the financial system. It is not merely about personal gain; it is about collective resilience.

For every working Kenyan, the message is simple: retirement is coming, whether you prepare for it or not. Learn about money. Understand your pension.

Take control of your finances. Because in the end, the best retirement plan is knowledge that is applied wisely and consistently over time.

How digital creators are changing preventative healthcare in Kenya

For a long time, healthcare in Kenya was reactive. You went to the doctor when something hurt, something changed or something worried you. Preventative health felt like a luxury; almost like an add-on. But lately, something has shifted.

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The youth, especially young women, are becoming more curious about their bodies. They want to understand their hormones, cycles, skin, nutrition and mental health long before anything goes wrong.

So what changed? Honestly; marketing did.

Preventative health is now being shaped less by hospitals and more by the digital world. A single Instagram post from a creator about pap smears can spark more conversation than a billboard.

A TikTok on diabetes can reach thousands of households within hours. A podcast episode about anxiety can encourage someone to finally book a therapy session. This shift is happening because health information has become human. And influencers in the healthtech space are at the centre of it.

Kenya has its own growing wave of credible health creators. Dr Chris Obwaka, a gynaecologist known for his educational Instagram content, breaks down women’s health questions many were previously too shy to ask.

The Wandering Doctor, an aesthetic doctor, has built a community through relatable dermatology content that clears up skin misconceptions with warmth and clarity. And across the continent, creators like Nigeria’s Aproko Doctor with his Nkechi and Emeka personas have shown how one digital voice can shape how millions think about preventative care.

I saw this up close while working on the Pima Leo Ishi Kesho campaign; a nationwide cervical, breast, prostate and colon cancer awareness initiative in partnership with M-Pesa Foundation and Zuri Health.

When health creators like Dr Obwaka and the Wandering Doctor explained screening in simple, everyday language, engagement surged. Women asked questions they’d carried quietly for years. Men engaged with topics they often avoid.

The difference wasn’t just the information; it was the tone. It felt like a friend guiding you, not a system lecturing you.

This is the new power of health creators. They translate complex topics into content people actually want to consume: carousels, storytelling reels, live Q and As and IG stories.

And people respond because the content feels real, accessible and judgment-free.

For healthtech companies, this is a major opportunity. A thoughtful partnership with creators builds trust faster than traditional advertising. With the right message, a creator can boost awareness around screenings, lab tests, medication delivery, insurance usage and early detection in a way that feels like a conversation, not a campaign.

But for this to work, brands must rethink how they communicate.

Preventative health messaging can’t sound clinical or overly scientific. It has to meet people where they already are: online, learning from peers in quick, culturally relevant formats.

The strongest content today sits at the intersection of storytelling and science; real faces, real language, real experience, backed by credible information.

Preventative health may be a medical concept but getting people to embrace it is a marketing challenge. And right now, digital creators and healthtech influencers are leading the way.