Financial Services
DPA 2019 compliance for banks, fintechs, and SACCOs
Financial services in Kenya face overlapping obligations from the DPA 2019, CBK regulations, and sector-specific data governance requirements. Dira gives your compliance, legal, and IT teams one platform for the data protection side - aligned with ODPC sector guidance.
Financial institutions in Kenya process enormous volumes of sensitive personal data - KYC records, transaction histories, credit data, and biometrics. The DPA 2019 imposes strict obligations on how this data is collected, processed, and protected. Non-compliance risks ODPC enforcement action, reputational damage, and CBK sanctions.
Key challenges
DPA 2019 obligations for financial services
KYC & customer data volumes
Banks and fintechs hold deep personal data profiles. Every data subject right request - access, erasure, portability - must be fulfilled within the SLA.
Cross-border transfer controls
Card networks, correspondent banks, and cloud processors often sit outside Kenya. Each transfer requires a documented legal mechanism under s.48.
CBK and DPA dual compliance
Financial services must satisfy CBK data governance requirements alongside DPA 2019 obligations. Dira keeps the DPA 2019 side documented and audit-ready, informed by the ODPC's Digital Credit Providers guidance.
Sensitive data categories
Credit scores, biometric authentication, and transaction profiling are sensitive categories under the DPA 2019 - requiring heightened protection and DPIA assessment.
Products
Dira products for financial services
DSR Automation
Handle high-volume customer data access and erasure requests within the statutory DSR deadlines.
Consent Management
Manage marketing consent, cross-sell opt-ins, and credit bureau sharing consents.
DPIA & Assessment
Run DPIAs on high-risk processing like credit scoring and biometric authentication.
Vendor Register
Document s.42 agreements with card networks, cloud processors, and credit bureaus.
Breach Management
Meet the 72-hour ODPC notification window for data breaches at financial scale.
Start your Financial Services compliance programme
30-day free trial. No credit card required. Our compliance team will map Dira to your specific DPA obligations.