
From the Kenya
Revenue Authority’s AI-powered systems boosting daily collections from Sh60
million to Sh1 billion, to the Hustler Fund’s algorithm-driven financial
inclusion for underserved communities, the potential is undeniable.
Yet this rapid
adoption comes with pressing questions about ethics, accessibility and
long-term societal impact that Kenya must address to ensure its digital future
benefits all citizens equally.
The government’s
push for AI integration under the Kenya National Digital Master Plan (2022–32)
has already transformed service delivery, expanding digital offerings from 350
to more than 22,000.
Deputy Chief of
Staff Eliud Owalo envisions a future where physical government offices become
obsolete as digital platforms streamline everything from business registration
to healthcare access.
This digital leap
forward mirrors successes in financial technology, where AI-driven credit
scoring through the Hustler Fund has empowered women-led enterprises and small
businesses previously excluded from formal banking systems.
The fund’s
mobile-based approach demonstrates how targeted AI applications can bridge
Kenya’s persistent economic divides when implemented thoughtfully.
Rongo University vice
chancellor Prof Samuel Gudu says higher education institutions must set ethical
standards for AI use.
“Universities must
lead in setting ethical standards for AI use. Education should not just prepare
students for digital careers but also equip them to navigate AI-driven ethical
dilemmas,” he said.
His stance aligns
with global discourse on responsible AI. A 2022 Unesco report highlighted the
need for ethical frameworks in AI education, warning that unchecked AI adoption
could reinforce biases, infringe on privacy and undermine human
decision-making.
Rongo University has integrated AI ethics into its curriculum, ensuring students develop both technical skills and critical awareness.
PROMISE AND PERIL
One of Kenya’s
most tangible AI success stories is in revenue collection, as noted earlier. AI-powered
systems that detect tax evasion and seal financial leakages have significantly increased
collection.
“The sources of
revenue remain the same, the people in government remain the same, but we’ve
leveraged technology to enhance efficiency,” Owalo said.
This efficiency
has strengthened Kenya’s fiscal independence, reducing reliance on external
debt.
Beyond finance, AI
has revolutionised service delivery. Under the Kenya National Digital Master
Plan (2022-32), government services have expanded from 350 to more than 22,000
digital offerings.
Owalo predicts
that soon, “physical visits to government offices will be unnecessary as
digital platforms streamline services”.
Education presents
both AI’s promise and peril. Universities like Rongo have taken proactive steps
by integrating AI ethics into their curricula, preparing students for a
workforce where human judgment must complement machine intelligence.
Dr Maren Akong, a
lecturer and Writers Club patron, calls for moderation. “AI should enhance
creativity, not replace it.”
This concern comes
as studies indicate that 40 per cent of Kenyan university students now use
tools like ChatGPT for assignments, raising valid concerns about academic
integrity and the erosion of critical thinking skills.
University
students remain deeply divided about AI’s role in academia and creative fields,
reflecting broader global debates about technology’s impact on learning and
originality.
Lisa Ajiambo, a
fourth-year communications student and digital content creator, utilises AI
tools for video editing and audience analytics but says one should not get
carried away.
“There’s a
dangerous tipping point where convenience can erode authentic creativity,” she
says. Her concerns echo findings from a 2023 African Academic AI Network study,
showing 62 per cent of creative arts students struggle to maintain originality
when using generative AI.
The anxiety about
AI’s cognitive impact extends beyond creative disciplines. Francis Oluoch, a
second-year education major at Maseno University, worries about its
implications to his future career.
“When my classmates use AI to generate lesson plans or solve math problems, they are skipping the mental gymnastics that make us better teachers,” he says.
MODERN LEARNING
Some students are
more optimistic, championing AI as an essential tool for modern learning.
Purity Anyango, a first-year media studies student at Rongo University, is in
this school of thought.
“AI doesn’t
diminish our creativity, it gives us more time to focus on big ideas by
handling technical tasks like colour correction or audio balancing,” she says.
Her experience
reflects broader trends identified in Unesco’s 2023 Global Education Monitoring
Report.
The report
highlighted how AI-assisted editing tools can increase media students’ output
quality by 40 per cent when used as supplements rather than replacements for
human judgment.
As noted, students’
perspectives range from cautious skepticism to enthusiastic adoption.
This mirrors the
broader societal negotiation occurring as AI transforms workplaces.
The students’
insights suggest that educational institutions must strike a delicate balance.
They should equip
students with cutting-edge AI skills, while preserving the human elements of
creativity, critical thinking and ethical judgment that remain invaluable in
the digital age.
As these youths prepare
to enter the workforce, their ability to navigate this balance may determine
not just individual success but also the nation’s capacity to harness AI as a
tool for inclusive development.
The employment
landscape is similarly in flux. While global reports predict AI could displace
85 million jobs worldwide by 2025, Kenya’s unique ‘hustler economy’ may prove
more resilient.
Startups like
Ushauri AI, which provides Swahili-language agricultural advice through
chatbots, demonstrate how homegrown solutions can create new opportunities
rather than simply replace traditional jobs.
The government’s establishment of 180 digital hubs in TVET institutions has already generated 182,000 digital jobs, suggesting Kenya might follow Owalo’s vision where citizens “create jobs rather than wait to be employed”.
ETHICAL DILEMMA
Beneath these
successes lurk significant ethical challenges that could undermine Kenya’s AI
progress if unaddressed.
Algorithmic bias
in financial and government systems risks perpetuating existing inequalities,
particularly against Kenya’s large informal sector workers who lack digital
footprints.
Privacy concerns
loom large as citizens unknowingly surrender personal data to opaque AI
systems, while the rapid spread of AI-generated misinformation threatens to
destabilise elections and public health initiatives. These problems already
emerged during the Covid-19 pandemic. The urban-rural digital divide
exacerbates these issues, with only 42 per cent of rural Kenyans having Internet
access compared to 78 per cent in cities, creating a nation of AI haves and
have-nots in education, healthcare and economic opportunity.
Infrastructure
limitations compound these challenges. Frequent power outages disrupt digital
operations nationwide, while the high cost of AI hardware puts advanced tools
out of reach for most individuals and institutions.
Rural schools lack
the connectivity to implement AI-enhanced learning. Clinics cannot access
diagnostic tools that could save lives. Farmers miss out on predictive
analytics that could transform harvests.
These gaps
threaten to create a permanent technological underclass unless addressed
through targeted interventions.
While AI has
demonstrated remarkable potential to boost revenue collection, expand financial
inclusion and improve service delivery, its unchecked adoption risks
exacerbating existing inequalities. The urban-rural digital divide, algorithmic
biases and ethical concerns in education demand immediate attention to ensure
AI benefits all Kenyans equally.
Three critical
actions must guide Kenya’s AI future: First, policymakers must implement robust
governance frameworks that mandate transparency in public sector AI systems and
protect citizen data rights.
Second,
educational institutions need to dramatically expand digital literacy programmes
that teach both AI applications and their ethical implications.
Third, targeted
investments in rural digital infrastructure, including renewable energy-powered
hubs, are essential to prevent a new technological underclass from forming.
The private sector
and civil society have equally vital roles to play. Tech innovators must
develop localised solutions like Ushauri AI’s Swahili chatbot that address
Kenya’s unique challenges.
Meanwhile, media
and watchdog groups should monitor AI implementations to hold institutions
accountable for biased or exclusionary practices.
Kenya’s choice is
clear: either proactively shape an AI future that serves all citizens, or risk
having that future dictated by unchecked technological forces.
Decisive action should
be taken today through smart regulation, inclusive education and equitable
infrastructure. By doing so, Kenya can become a model for responsible AI
adoption in Africa.
The algorithms of tomorrow are being written today. Let’s ensure they encode Kenya’s values of equity and innovation for all.