“In Kenya, the first country where digital credit has gone mainstream, borrowers are learning that with financial inclusion comes financial risk. With dozens of apps offering short-term advances similar to payday loans, word of debt’s dangers is spreading from the office towers of Nairobi to the grasslands of Maasai Mara. People who once borrowed mainly from family and friends are now being bombarded with ads for quick money and calls from debt collectors. The market is largely unregulated, and there are no caps on interest rates.”