About Financial.co.ke

A Kenyan platform for clear, confident money decisions.

Financial.co.ke was founded to bridge the gap between everyday financial realities in Kenya and the complex world of markets, products and institutions – through education, context and practical tools.

We believe that when Kenyans understand money, markets and products more clearly, families, SMEs and institutions make better decisions – and the entire ecosystem wins.

Our story

Born out of real-world financial questions

Financial.co.ke is the result of years spent advising, building businesses and navigating Kenya’s financial landscape – from markets and capital to insurance, technology and advisory work.

From boardrooms and businesses to everyday decisions

Over time, one pattern kept appearing: whether in SMEs, growing companies, chamas or families, people were being asked to make important financial decisions without enough clarity about how money, risk and markets actually work in practice.

Financial.co.ke was created to change that – by combining independent thinking, deep local experience and a structured approach to education, markets, products and tools.

Our mission

To help Kenyans and Kenya-linked organisations make better financial decisions by providing:

Education

Financial literacy that respects your context

We focus on clarity, simple language and real examples from Kenyan life and business – not generic textbook content.
Context

Markets explained, not sensationalised

We show how local and global events connect to your money and strategy without jargon or noise.
Clarity

Products understood before they’re chosen

We help you understand what financial products do, their risks and the questions you should ask before signing.
Action

Tools that turn ideas into decisions

Our tools and frameworks help you move from “we should” to concrete next steps for your household, business or organisation.

At a glance

What makes us different

We sit at the intersection of entrepreneurship, markets, academia and practical financial decision-making in Kenya.

Kenya-focused Entrepreneur-led Independent Education first

Entrepreneurship

Built across multiple ventures in finance, insurance and technology, giving a 360° view of the ecosystem.

Academia

Grounded in rigorous study in finance, actuarial science and insurance – applied to everyday decisions.

Recognition

Featured among Kenya’s Top 40 under 40 Men (2018) by Business Daily Africa, reflecting impact and leadership in the space.

Financial.co.ke is intentionally platform-agnostic: we help you think clearly and ask better questions, regardless of which bank, Sacco, fund manager or provider you use.

Founder

Joseph Muongi Kamau

Founder, Financial.co.ke • Kenyan entrepreneur & finance practitioner

Top 40 under 40 Men 2018 (Kenya)

Joseph Muongi Kamau is a Kenyan-based serial entrepreneur with deep interests across finance, insurance and technology. He was featured in the Top 40 under 40 Men 2018 Kenya list by Business Daily Africa, recognising his leadership and contribution to the country’s financial and business landscape.

He is currently pursuing a PhD in Business Administration (Finance), building on a strong academic foundation that includes a MSc. Finance, a BSc. Actuarial Science degree and a COP Insurance qualification. This blend of entrepreneurial practice and advanced study allows him to connect theory and real-world decision-making for clients and audiences.

“Financial decisions are rarely just about numbers. They are about people, time, uncertainty and opportunity. My work with Financial.co.ke is to make those decisions clearer, especially in a Kenyan context.”

— Joseph Muongi Kamau

Entrepreneurial interests

Joseph’s experience spans multiple ventures in the financial and technology ecosystem, including:

Middleman Capital Holdings
Finatrack Global Ltd
Online Advisors Insurance Agency
Finahost Online Solutions

Through these ventures, he has worked closely with individuals, SMEs and institutions navigating credit, insurance, investment, technology and operational decisions – insight that informs the design of Financial.co.ke’s education, markets, products and tools pillars.

Education

PhD (ongoing), MSc Finance, BSc Actuarial

Professional

COP Insurance

Recognition

Top 40 under 40 Men 2018

Focus areas

Finance, insurance, tech, advisory

Our approach

Built on four core service pillars

Everything we do sits on four interconnected pillars – giving you a holistic way to think about money, markets and decisions in Kenya.

Financial Education

Clear, Kenya-focused learning paths that help individuals, teams and organisations understand money, risk and planning without jargon.

Financial Markets

Context and explanation around key moves in Kenya’s markets and policies – what’s happening and why it matters to you.

Financial Products

Guidance that helps you understand the products on offer and how they map to your goals, time horizons and risk comfort.

Financial Tools

Simple calculators, templates and frameworks that move you from good intentions to concrete decisions and actions.

What we stand for

Our values in practice

Clarity over complexity

We prioritise simple, accurate explanations over buzzwords and complexity. If we can’t explain it clearly, we don’t expect you to bet your money on it.

Independent thinking

We’re not tied to a single provider or product. Our work is to help you ask better questions and see trade-offs clearly, not to push a particular solution.

Kenyan context, global standards

We blend international best practices with the realities of Kenyan income patterns, markets, regulation and opportunities.

Long-term orientation

We encourage decisions that hold up over years, not just short-lived trends – for families, businesses and institutions.

Practical outcomes

Every engagement aims to leave you with concrete next steps, frameworks or tools – not just information overload.

Respect & stewardship

We treat your time, information and resources with care, and we expect the same level of responsibility in the decisions we support.

Questions

How we fit into your financial journey

A few quick answers about how to think about Financial.co.ke and where we add the most value.

Financial.co.ke is a platform focused on financial education, context, tools and decision support. We are not a bank, Sacco, fund manager or insurer. Where licensed services are required, we work alongside regulated partners and encourage you to compare options independently.

Our primary role is to help you understand how products work, the key risks and costs, and the questions you should ask. In some cases we may illustrate using examples, but our emphasis is on frameworks and clarity rather than pushing specific products.

We work well with individuals, families, SMEs, chamas, Saccos, organisations and institutions that value education, clarity and long-term thinking. If you want quick tips or guaranteed returns, we’re probably not the right fit; if you want structured thinking and tools, we likely are.

A great starting point is to explore our Financial Education pillar and subscribe to our updates. From there, you can request advisory support, training for your team, or a review of your existing products and strategies when you’re ready.

Walk with us on your financial journey

Whether you’re an individual, entrepreneur, board member or ecosystem player, Financial.co.ke is here to help you think more clearly about money, markets and decisions in Kenya.