Summary
Introduction
Engages with digital tools with real-time support, building basic capability through guided use.
Uses digital tools independently for a defined set of tasks, within a limited and stable repertoire.
Navigates digital tools independently across contexts, including more complex and evolving systems.
Pathways Segment
Of Reproductive Age Women
Devices
Relevance
Mobile Ownership (DHS-8 2022)
Smartphone Ownership
Uses Mobile for Financial Transactions
Any Internet Use Last Month
Functional Use
Entirely offline use centred on calls and receiving money via M-Pesa, with some radio use for communication and entertainment.
Mixed use combining basic WhatsApp and passive social media (sometimes via shared devices), alongside significant offline media consumption for entertainment.
Intentional data-led use, including social media, across networks, livelihoods, entertainment, information, and financial transactions.
Functional Use Deep Dive
Reach and Connection
Uses phone calls to stay in touch with close family members and customers for livelihood-related purposes. Messaging may not be operated directly; text messages may be sent and read with help from others.
Use is largely focused on personal communication. Uses WhatsApp to send and receive voice notes with known contacts, with limited use beyond this.
Uses platforms such as WhatsApp and Facebook to expand her social network. May actively create and participate in groups across platforms.
Entertainment and Stress Relief
Relies on radio for entertainment, religious sermons, and health-related information.
Primarily consumes content passively, often when she has access through a shared device. Entertainment may centre on music and video content shared via Bluetooth, Xender, or memory cards. May also use offline apps such as Bible apps, games, or basic photo filters, with engagement oriented toward consumption rather than posting or active participation.
Actively engages on social media platforms like YouTube, Snapchat, TikTok by posting and interacting with content.
Learning and Growth
Learning opportunities are limited. Use is not typically oriented toward intentional information-seeking.
May come across information incidentally but does not typically search widely across platforms. May use WhatsApp groups to share with known networks and ask specific questions (e.g., sharing images of plants and seeking advice).
Actively uses platforms such as Google, YouTube, Facebook, and TikTok to search for information (e.g., health information for new mothers). May stay updated with national or local news through social media or other online media.
Transactions and Financial Security
Primarily receives money via M-Pesa and often relies on others for assistance with transactions.
Uses M-Pesa for transactions and may use related services such as Pochi accounts or savings features within the M-Pesa ecosystem.
Likely a confident M-Pesa user. May use additional loan apps (e.g., Zash) alongside M-Pesa for transactions, savings, and financial tracking.
Self Promotion and Expression
Use does not typically extend to self-promotion or personal expression.
Engagement is largely passive and oriented toward consumption rather than self-promotion or personal expression.
May actively share and post content on platforms such as Facebook and TikTok for both business needs and personal expression.
Health and Finance Tracking
Does not typically engage in financial or health tracking on digital devices.
Does not typically engage in financial or health tracking on digital devices.
May use specific apps or services for financial tracking.
Learnings from Interactive Voice Response Survey
Independent Intermediate,
Independent Advanced
In rural Kenya, among the 90 women involved in casual work who responded to questions on digital benefits, 38% mentioned being able to contact people for work as a key benefit of using digital. Among the 124 women with small businesses who responded to the same, 19% reported the same.
In rural Kenya, among the 90 women involved in casual work who responded to questions on digital benefits, 36% mentioned ease of financial transactions as a key benefit of using digital. Among the 124 women with small businesses who responded to the same, 44% reported the same.
In rural Kenya, among the 90 women involved in casual work who responded to questions on digital benefits, 29% mentioned being able to communicate with customers and suppliers as a key benefit of using digital. Among the 124 women with small businesses who responded to the same, 50% reported the same.
Skills
Has Secondary and Above Education
Can Read Full Sentences
Cannot Read at All
Skills
Has limited early exposure and education, restricting use; learns through repeated demonstrations and pattern recognition, with intermittent support needed for basic functions.
Has some early exposure and basic literacy enabling functional use; learns through hands-on guidance and repetition, managing familiar tasks independently while relying on support for new ones.
Has prior early exposure and higher education enabling independent use and exploration; learns through observation and trial-and-error, seeking occasional support for more advanced tasks.
Skills Deep Dive
Base Capabilities
Lack of early exposure combined with limited formal education may render some parts of phone functionality inaccessible.
May have some prior exposure through shared devices and can read basic instructions, but may still require support to navigate new tasks. Knows basic navigation and functionality and may explore social media passively or engage in offline sharing.
Prior digital exposure and high levels of formal education supports her ability to navigate apps like Facebook and WhatsApp through on-screen prompts. Is capable of learning more advanced uses and exploring new applications.
Learning Style
Learns through repeated demonstrations and may rely on pattern recognition (e.g., understanding recurring M-Pesa message formats).
Requires hands-on, demonstrative guidance when learning new tasks. May need step-by-step support initially for social media navigation or offline sharing, but can manage familiar tasks independently once routines are established. Exploration may still be done independently, particularly if she prefers not to rely on others.
Early exposure to phones may support confident exploration. Often learns through trial and error and by observing friends or siblings. May require occasional one-off nudges to expand into more advanced use.
Learning Needs
May require support with basic phone functionality, including making and receiving calls or using the radio.
May require assistance with account setup, basic navigation of social media apps, advanced Bluetooth sharing settings, and loading airtime or data bundles.
May require occasional support for more advanced tasks, such as blocking accounts or creating media content for posting.
Facilitators
Partners, when available, may support basic device use, though assistance may remain intermittent.
Partners, when present, may play a significant role in teaching device use, including through shared use.
Friends and peers often support initial setup and early learning, after which she may transition to more independent use. Family members may be more involved in the early stages of device ownership.
Findings Across Personas
Independent Intermediate,
Independent Advanced
Demonstration plays an important role across personas, though what is demonstrated varies. Friends and neighbours often act as key facilitators, typically providing one-off support rather than sustained guidance.
Women in rural Kenya may have access to a relatively diverse set of facilitators. Unlike in some other geographies, the presence of a single stable facilitator may not be essential. Friends and peers often play a prominent role in initial setup and informal troubleshooting.
Safety
Safety
Awareness is largely limited to financial risks such as fraud, with very limited knowledge of how to protect themselves.
Has general awareness of digital risks, particularly around data use, but limited confidence may lead to self-restriction rather than active mitigation.
Aware of a range of digital risks and may take steps to mitigate them, using strategies such as blocking or password protection.
Safety and Security Deep Dive
Perception of Risk
Primarily concerned with fraud calls or M-Pesa scams and may have encountered such risks directly. Does not encounter digital risks associated with data-led use.
May have a general awareness of digital risks and is likely to have heard of scams, misleading content and obscenity from others in her network. Could also come across potential online scams herself.
Aware of a range of digital threats and may have heard of or experienced cases of account hacking or misuse, as well as obscenity on social media.
Response to Digital Risks
MPesa usage may expose her to financial risk, which she is often not equipped to handle. May not take active protective steps beyond basic caution.
May self-restrict by avoiding unknown links or limiting engagement on social media. May add passwords when sharing phones with children. When uncertain about content, she may seek verification from trusted others.
May continue using digital platforms while taking precautionary steps such as blocking accounts or enabling two-step verification and password protection.
Findings Across Personas
Independent Intermediate,
Independent Advanced
Women and girls are often perceived, even by other women, as more vulnerable to risks such as scams, social stigma, or life-altering consequences such as early pregnancy. As a result, they may be expected to exercise greater caution in their phone use.
Learnings from Interactive Voice Response Survey
Independent Intermediate,
Independent Advanced
Among the 859 women in rural Kenya who responded to questions on phone security, approximately 70% reported using PINs or passwords as a security measure on their phones.
Affordability
Is in the Top 40% by Household Wealth Nationally
Has Year Long Employment or Livelihood Activity
Participates in Household Decision Making
Partner Works in a Professional or Managerial Role
Household has Electricity
Device Resourcing
Relies on hand-me-down basic phones but may purchase one out of necessity, especially when required for livelihood activities.
Often uses hand-me-down phones and may rely on shared or borrowed devices for online use; self-purchased devices, if any, are likely to be used phones.
Has early access to devices through parents, siblings, or peers, often linked to education, and maintains independent access as an adult.
Discontinuities
Disruption may be the status quo, requiring ongoing adaptation to interruptions.
Disruptions are strongly felt, with slow recovery due to fewer available pathways and more limited resources.
Disruptions are strongly felt, but recovery is relatively quicker, reflecting higher resilience through multiple pathways, stronger networks, and greater resources.
Resourcing and Purchasing Deep Dive
Early Access to Device
Likely had very limited exposure to phones early in life, with little or no access during childhood.
Unlikely to have had her own phone in childhood but may have accessed phones belonging to parents or older siblings.
May have received a phone at an early age from parents, siblings, or peers.
Current Device Access
May receive or purchase a phone out of necessity to stay in touch for personal or livelihood-related reasons.
May rely on hand-me-down or shared phones and may need to request access for livelihood-related use. Devices, when purchased, are often second-hand. For online use, she may rely on her partner’s phone.
More likely to acquire devices through personal savings or income, rather than relying solely on husbands or male relatives.
Findings Across Personas
Independent Intermediate,
Independent Advanced
There is a strong culture of informal scaffolding around women’s phone access in rural Kenya. A diverse range of actors, including partners, siblings, peers, and other community members, may support women’s phone use by purchasing devices for them, sharing phones, or passing on hand-me-downs.
Discontinuities Deep Dive
Disruptions Caused by Financial Shocks, Damage, Degradation and Loss
Use of simpler feature phones for basic functions may reduce exposure to certain types of discontinuity. SIM cards can also be transferred into borrowed devices if needed, for basic use cases. Access to backup or shared devices may be hard.
May rely on lower-quality hand-me-down smartphones or feature phones that experience more frequent technical issues and relatively expensive repairs, potentially leading to recurring interruptions. Access to backup or shared devices may not always be available.
Disruptions to smartphone access can be significant given the advanced and varied nature of use. A wide social network may help mitigate disruptions, though mitigation may involve temporary use of shared devices or downgrading to a feature phone, which can still constrain use.
Managing Recurring Costs (data, airtime etc.)
Data use is likely to be absent. Airtime is typically more important than data and may represent a recurring cost, though interruptions may be less frequent due to basic use patterns.
Data, when used, is often carefully managed. Disruptions may lead to temporary self-restriction of use. Likely to buy shorter-lasting data bundles, downloading content for later viewing, or using lighter versions of apps, like Facebook Lite. If there is no data use, she only needs to actively monitor phone storage and airtime.
Advanced use requires active data management and may result in disruptions when bundles run out. She may purchase longer-lasting bundles or rely on her social network to bridge short gaps.
Charging Cycles
Charging may take place outside the home, such as at a neighbour’s house or a charging centre when accessible. As usage is basic, batteries may last longer, reducing disruption.
May actively manage usage to conserve battery. In cases of shared phone use, battery management may become more important and influence frequency of use.
May have access to electricity at home. If not, might have to charge at a neighbour’s house, charging centre or workplace, which may be be quite disruptive.
Learnings from Interactive Voice Response Survey
Independent Intermediate,
Independent Advanced
Among the 269 women in rural Kenya who responded to questions on mobile data use and spending, the median frequency was five times per week, at a median cost of $0.16 for 0.2 GB of data, which may suggest frequent, small-value data recharges in a relatively high-cost context.
Among the 859 women in rural Kenya who responded to questions on phone charging, approximately 15% reported charging their phones at stations outside their homes.
Among the 80 women in rural Kenya who reported using charging stations outside the home, phones were kept there for an average of 19 hours per week.
Norms
Has Internalised Domestic Violence
Has Experienced any Domestic Violence
Impact of Control and Coercion on Digital Access and Use
Use may be monitored by partners despite being limited; may not self-restrict under pressure if it is likely to imapct household income.
More likely to self-restrict to maintain household harmony, avoiding conflict even when it limits use.
More likely to push back against restrictions, which may lead to prolonged friction and, at times, escalation to violence.
Norms Deep Dive
Early Digital Norms
Unlikely to have had early digital exposure. In many cases, parents may themselves have limited digital familiarity, which may reduce active monitoring even when access is available.
Unlikely to have had early digital exposure. In many cases, parents may themselves have limited digital familiarity, which may reduce active monitoring even when access is available.
In cases of early digital exposure, some parents may restrict or monitor their daughters’ digital use out of concern that they may interact with boys, which is often perceived as risky or compromising.
Monitoring and Coercion After Marriage/Co-Habitation
Monitoring and control can extend to offline use with husbands or partners checking messages and calls logs.
Husbands or partners may monitor social media use, sometimes linked to concerns around infidelity. In some cases, women may be “banned” from using certain apps that expose them to unknown contacts.
Husbands or partners may monitor social media use, sometimes linked to concerns around infidelity. In some cases, women may be “banned” from using certain apps that expose them to unknown contacts.
Response to Normative Control
Usage is generally basic, and partner monitoring may not always result in self-restriction, especially when phone use is connected to livelihood needs.
May self-restrict or limit digital exploration due to normative expectations, particularly in cases of shared phone use with partners. Digital use may be moderated and exploration curtailed as a way to avoid conflict or suspicion.
Some women may push back against this control and continue to find ways to engage online, which can create tension within the relationship and may in turn trigger partner violence.




