2025, Vol. 8, Issue 2

author(s)
Dennis Maina Mutitu and Billiah Maende

abstract
The Fintech industry in Kenya faces significant challenges, such as regulatory challenges and cybersecurity risks that affect its overall performance. The purpose of the study was to assess the effect of Anti-Money Laundering regulations on the performance of Fintechs in Kenya. The research was guided by Agency Theory. The target population consisted of 269 key decision-makers in the Fintech companies. The study had a sample size of 161, determined through the Yamane formula. Stratified proportional random sampling was used to select the participants. The study used a structured questionnaire. The data was processed and analyzed using Statistical Package for the Social Sciences software. Descriptive statistics and simple linear regression analysis were used in the analysis. The study found a statistically significant positive effect of Anti-Money Laundering regulations on Fintech performance. The study recommends that FinTechs should improve on aspects as KYC enforcement and employee training.