Unaitas SACCO and PesaLink Partnership – Setting a Benchmark for Digital Inclusion in Kenya

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Unaitas SACCO, one of Kenya’s most progressive savings and credit cooperatives, has set a remarkable benchmark for digital financial inclusion through its innovative partnership with PesaLink.

As demand for convenient, secure, and fast financial transactions grows, the collaboration signals a new era for SACCO members and the wider Kenyan market, bringing cutting-edge technology and enhanced services to the heart of local communities.

Unaitas SACCO: Empowering Kenyans Since 1993

Founded by tea farmers in Murang’a, Unaitas SACCO has grown over 30 years into a powerhouse cooperative with over 350,000 members spanning across ten counties with 25 branches nationwide.

The SACCO’s mission is rooted in pooling member resources for mutual growth, providing savings and affordable credit to empower individuals, SMEs, farmers, and social groups.

Its strong asset base and transparent customer focus have helped thousands achieve their investment goals with flexible loans and reliable financial planning.

Driving Digital Innovation with PesaLink

Unaitas SACCO was among the first SACCOs to integrate with PesaLink, Kenya’s instant interbank money transfer system.

This strategic move gives members the ability to make transfers 24/7 via the Unaitas App and Mo-Cash USSD—even on weekends and holidays.

Through PesaLink, consumers enjoy faster, safer, and more affordable digital transactions—a major step forward for everyday banking convenience.

Fintech Solutions for Mobile Banking Growth

Unaitas SACCO is leading the digital finance revolution by providing robust mobile banking options.

Clients can access financial services anytime using the Unaitas Mobile App, ATM, or USSD, making it easier for Kenyans locally and in the diaspora to save, borrow, and manage money without visiting a branch.

These platforms are designed to address customer needs efficiently and securely, breaking down traditional barriers to financial services.

Comprehensive Financial Services for All Sectors

What sets Unaitas SACCO apart in Kenya’s competitive SACCO landscape is its diverse reach. The organization serves individuals, business owners, and social groups, lending to a variety of sectors including agriculture, real estate, SMEs, and women-led enterprises.

Unaitas also supports 22,000 chamas (local savings groups), promoting financial inclusion and economic growth across the country.

Commitment to Social Responsibility and Member Wellbeing

Beyond digital innovation, Unaitas SACCO actively engages in corporate social responsibility.

SACCOS regularly support community initiatives such as children’s homes, health outreach, and education sponsorships.

This commitment not only strengthens communities but also builds member trust and loyalty.

Affordable, Transparent, and Impactful

Unaitas SACCO stands out for its affordable loan rates, comprehensive digital solutions, and unwavering commitment to transparency.

The SACCO conducts thorough risk assessments, ensuring compliance and sustainable lending for members. Its focus on low-income households and SMEs is guided by a social mission to reduce poverty and foster economic success.