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Pulse Journal

Kenyan Financial
Intelligence Hub

Strategic tax advice, MMF returns, and Treasury Bill bidding guides written by professional analysts.

Latest Financial Guides

Taxes & Compliance

Taxing the Transaction: Inside the Battle Between the Judiciary and Treasury Over Digital Payment Fees

Kenya's Supreme Court has delivered a landmark blow to the KRA regarding digital payment taxes, forcing a massive legislative rewrite in the Finance Bill 2026.

Taxes & Compliance

The 25 Percent Smartphone Tax: A High-Stakes Gamble for Kenya’s Digital Economy

Kenya proposes a massive 25 percent excise duty on smartphones, a move that could stall digital inclusion and disrupt the country’s Sh3.2 trillion fintech ecosystem.

Taxes & Compliance

Relief for Salaried Employees: Kenya Bankers Propose 5 Percent PAYE Cut to Offset Rising Statutory Deductions

Kenya’s banking industry leaders are pushing for a significant reduction in personal income tax to cushion workers from the cumulative weight of SHIF and Housing Levy deductions.

Taxes & Compliance

Finance Bill 2026: Why Your M-Pesa and Card Transactions Are About to Get Costlier

The National Treasury's latest Finance Bill introduces a 16% VAT on digital payments and grants KRA sweeping powers to freeze accounts, signaling a massive shift in Kenya's tax landscape.

Taxes & Compliance

How to File KRA Nil Returns on iTax in 2026: The Complete Step-by-Step Guide

Filing a Nil Return as an unemployed citizen, student, or someone with no active income is legally mandatory in Kenya. Avoid the costly 20,000 KES penalty with this quick, human-friendly 5-minute walkthrough.

Investments & Yields

DhowCSD Kenya: How to Invest in CBK Treasury Bills and Bonds on Your Phone (2026)

Treasury Bills (T-Bills) remain the safest, highest-yielding low-risk investments in Kenya, with yields hovering around 15.5%. Discover how to register on DhowCSD and start bidding on government debt with just 50,000 KES.

Investments & Yields

Best Money Market Funds (MMFs) in Kenya (2026): A Detailed Side-by-Side Yield Comparison

Money Market Funds have become the ultimate savings vehicle for Kenyans seeking high compound returns with daily liquidity. Compare the top MMFs in Kenya including CIC, Zimele, Sanlam, and Co-op to find the highest payout.