Financial education teaches the knowledge, skills and attitudes that people can use to adopt good money management practices for earning spending, savings, borrowing and investing. Financial education offers the prospect of strengthening the development of financial markets and enhancing the impact of expanded services on the livelihoods of Kenyans, especially among poorer groups.

Measuring how people's behaviour changes for the better determines that the desired impact has been achieved from financial education interventions. A simple four-step process as outlined below can be used to evaluate a project's effectiveness, sustainability, impact and scalability. Projects usually begin with provision of knowledge and building skills that equip consumers to adopt best practices. With the right skills sets, attitudes are altered, leading to positive action and behaviour change.