Sometimes last year, a friend and I were having an evening out and were running low on cash. We got discussing on which financial institution offers the best mobile based loans with low interest rates. He talked me into trying a Kenya Commercial Bank one claiming one can have a staggered repayment plan unlike other financial institutions. A few days later, I decided to try this out. Upon registration, I deposited Sh10 in my KCB M-Pesa account as an ‘activation’ fee. When I checked if I was eligible for a loan, the text that displayed had it that I qualified for one, but it was a dismally Sh150 one. My credit score would improve in time depending on how I would be repaying.