Logo vector Digital Personas

Summary

Introduction

Guided Foundational

Engages with digital tools with real-time support, building basic capability through guided use.

Independent Intermediate

Uses digital tools independently for a defined set of tasks, within a limited and stable repertoire.

Independent Advanced

Navigates digital tools independently across contexts, including more complex and evolving systems.

Pathways Segment

Guided Foundational
Independent Intermediate
Independent Advanced

Of Reproductive Age Women

Guided Foundational
53%
Independent Intermediate
27%
Independent Advanced
20%

Devices

Guided Foundational
Largely Feature Phone or Basic Phone
Independent Intermediate
Largely Basic Smartphone or Feature Phone
Independent Advanced
Largely Smartphone

Relevance

Mobile Ownership (DHS-8 2022)

Guided Foundational
59%
Independent Intermediate
98%
Independent Advanced
100%

Smartphone Ownership

Guided Foundational
0%
Independent Intermediate
34%
Independent Advanced
96%

Uses Mobile for Financial Transactions

Guided Foundational
66%
Independent Intermediate
93%
Independent Advanced
99%

Any Internet Use Last Month

Guided Foundational
0%
Independent Intermediate
24%
Independent Advanced
97%

Functional Use

Guided Foundational

Entirely offline use centred on calls and receiving money via M-Pesa, with some radio use for communication and entertainment.

Independent Intermediate

Mixed use combining basic WhatsApp and passive social media (sometimes via shared devices), alongside significant offline media consumption for entertainment.

Independent Advanced

Intentional data-led use, including social media, across networks, livelihoods, entertainment, information, and financial transactions.

Functional Use Deep Dive

Reach and Connection

Guided Foundational

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.

Independent Intermediate

Use is largely focused on personal communication. Uses WhatsApp to send and receive voice notes with known contacts, with limited use beyond this.

Independent Advanced

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

Guided Foundational

Relies on radio for entertainment, religious sermons, and health-related information.

Independent Intermediate

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.

Independent Advanced

Actively engages on social media platforms like YouTube, Snapchat, TikTok by posting and interacting with content.

Learning and Growth

Guided Foundational

Learning opportunities are limited. Use is not typically oriented toward intentional information-seeking.

Independent Intermediate

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).

Independent Advanced

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

Guided Foundational

Primarily receives money via M-Pesa and often relies on others for assistance with transactions.

Independent Intermediate

Uses M-Pesa for transactions and may use related services such as Pochi accounts or savings features within the M-Pesa ecosystem.

Independent Advanced

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

Guided Foundational

Use does not typically extend to self-promotion or personal expression.

Independent Intermediate

Engagement is largely passive and oriented toward consumption rather than self-promotion or personal expression.

Independent Advanced

May actively share and post content on platforms such as Facebook and TikTok for both business needs and personal expression.

Health and Finance Tracking

Guided Foundational

Does not typically engage in financial or health tracking on digital devices.

Independent Intermediate

Does not typically engage in financial or health tracking on digital devices.

Independent Advanced

May use specific apps or services for financial tracking.

Learnings from Interactive Voice Response Survey

Guided Foundational,
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

Guided Foundational
11%
Independent Intermediate
31%
Independent Advanced
77%

Can Read Full Sentences

Guided Foundational
59%
Independent Intermediate
84%
Independent Advanced
97%

Cannot Read at All

Guided Foundational
26%
Independent Intermediate
5%
Independent Advanced
1%

Skills

Guided Foundational

Has limited early exposure and education, restricting use; learns through repeated demonstrations and pattern recognition, with intermittent support needed for basic functions.

Independent Intermediate

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.

Independent Advanced

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

Guided Foundational

Lack of early exposure combined with limited formal education may render some parts of phone functionality inaccessible.

Independent Intermediate

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.

Independent Advanced

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

Guided Foundational

Learns through repeated demonstrations and may rely on pattern recognition (e.g., understanding recurring M-Pesa message formats).

Independent Intermediate

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.

Independent Advanced

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

Guided Foundational

May require support with basic phone functionality, including making and receiving calls or using the radio.

Independent Intermediate

May require assistance with account setup, basic navigation of social media apps, advanced Bluetooth sharing settings, and loading airtime or data bundles.

Independent Advanced

May require occasional support for more advanced tasks, such as blocking accounts or creating media content for posting.

Facilitators

Guided Foundational

Partners, when available, may support basic device use, though assistance may remain intermittent.

Independent Intermediate

Partners, when present, may play a significant role in teaching device use, including through shared use.

Independent Advanced

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

Guided Foundational,
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

Guided Foundational

Awareness is largely limited to financial risks such as fraud, with very limited knowledge of how to protect themselves.

Independent Intermediate

Has general awareness of digital risks, particularly around data use, but limited confidence may lead to self-restriction rather than active mitigation.

Independent Advanced

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

Guided Foundational

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.

Independent Intermediate

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.

Independent Advanced

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

Guided Foundational

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.

Independent Intermediate

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.

Independent Advanced

May continue using digital platforms while taking precautionary steps such as blocking accounts or enabling two-step verification and password protection.

Findings Across Personas

Guided Foundational,
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

Guided Foundational,
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

Guided Foundational
1%
Independent Intermediate
20%
Independent Advanced
59%

Has Year Long Employment or Livelihood Activity

Guided Foundational
23%
Independent Intermediate
37%
Independent Advanced
53%

Participates in Household Decision Making

Guided Foundational
60%
Independent Intermediate
68%
Independent Advanced
78%

Partner Works in a Professional or Managerial Role

Guided Foundational
5%
Independent Intermediate
12%
Independent Advanced
26%

Household has Electricity

Guided Foundational
10%
Independent Intermediate
48%
Independent Advanced
63%

Device Resourcing

Guided Foundational

Relies on hand-me-down basic phones but may purchase one out of necessity, especially when required for livelihood activities.

Independent Intermediate

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.

Independent Advanced

Has early access to devices through parents, siblings, or peers, often linked to education, and maintains independent access as an adult.

Discontinuities

Guided Foundational

Disruption may be the status quo, requiring ongoing adaptation to interruptions.

Independent Intermediate

Disruptions are strongly felt, with slow recovery due to fewer available pathways and more limited resources.

Independent Advanced

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

Guided Foundational

Likely had very limited exposure to phones early in life, with little or no access during childhood.

Independent Intermediate

Unlikely to have had her own phone in childhood but may have accessed phones belonging to parents or older siblings.

Independent Advanced

May have received a phone at an early age from parents, siblings, or peers.

Current Device Access

Guided Foundational

May receive or purchase a phone out of necessity to stay in touch for personal or livelihood-related reasons.

Independent Intermediate

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.

Independent Advanced

More likely to acquire devices through personal savings or income, rather than relying solely on husbands or male relatives.

Findings Across Personas

Guided Foundational,
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

Guided Foundational

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.

Independent Intermediate

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.

Independent Advanced

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.)

Guided Foundational

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.

Independent Intermediate

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.

Independent Advanced

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

Guided Foundational

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.

Independent Intermediate

May actively manage usage to conserve battery. In cases of shared phone use, battery management may become more important and influence frequency of use.

Independent Advanced

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

Guided Foundational,
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

Guided Foundational
63%
Independent Intermediate
48%
Independent Advanced
33%

Has Experienced any Domestic Violence

Guided Foundational
47%
Independent Intermediate
47%
Independent Advanced
34%

Impact of Control and Coercion on Digital Access and Use

Guided Foundational

Use may be monitored by partners despite being limited; may not self-restrict under pressure if it is likely to imapct household income.

Independent Intermediate

More likely to self-restrict to maintain household harmony, avoiding conflict even when it limits use.

Independent Advanced

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

Guided Foundational

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.

Independent Intermediate

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.

Independent Advanced

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

Guided Foundational

Monitoring and control can extend to offline use with husbands or partners checking messages and calls logs.

Independent Intermediate

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.

Independent Advanced

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

Guided Foundational

Usage is generally basic, and partner monitoring may not always result in self-restriction, especially when phone use is connected to livelihood needs.

Independent Intermediate

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.

Independent Advanced

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.

Distribution

R1 K

Guided Foundational
0%
Independent Intermediate
49%
Independent Advanced
51%

R3.1 K

Guided Foundational
75%
Independent Intermediate
25%
Independent Advanced
0%

R3.2 K

Guided Foundational
48%
Independent Intermediate
27%
Independent Advanced
25%

R4 K

Guided Foundational
100%
Independent Intermediate
0%
Independent Advanced
0%

Stories

Stories

Guided Foundational
Independent Intermediate
Independent Advanced
25

Mary

24 Years, Kwale, Separated
26

Ruth

28 Years, Nakuru, Married