What do you believe is the single most important factor driving up the cost of living in Nigeria?

A youth wearing 'Money Heist ' face mask takes stock next to second hand shoes for sale in Kasarani estate,Nairobi. [Elvis Ogina,Standard]

Banks and other financial institutions are aggressively customising their services to improve the appetite for credit among micro, small, and medium enterprises (MSMEs) that comprise the country's majority of businesses.

Customised business loans, crowdfunding, and green financing are among the innovations the banking sector is documented to have invested in last year to lure more small businesses.

Additionally, banks are availing expert relationship managers to guide MSMEs in their financial decisions. This is as the institutions also document increased investment in education for owners of these enterprises.

The Central Bank of Kenya (CBK), the industry regulator, also documents in the report how banks are softening their stance on the need for collateral to offer credit.

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