{"id":1199,"date":"2026-11-03T08:16:48","date_gmt":"2026-11-03T08:16:48","guid":{"rendered":"https:\/\/difaconsultancy.com\/?p=1199"},"modified":"2026-11-03T08:16:50","modified_gmt":"2026-11-03T08:16:50","slug":"cbk-guidance-note-on-ai-in-the-banking-sector","status":"publish","type":"post","link":"https:\/\/difaconsultancy.com\/sw\/resources\/cbk-guidance-note-on-ai-in-the-banking-sector\/","title":{"rendered":"CBK Guidance Note on AI in the Banking Sector"},"content":{"rendered":"
\"\"<\/figure>\n\n\n\n

CBK Guidance Note on AI in the Banking Sector<\/strong><\/p>\n\n\n\n

The Central Bank of Kenya (CBK), has issued a Guidance Note on Artificial Intelligence in the Banking Sector.<\/a>. The Guidance Note, which is still a draft, outlines requirements for the responsible adoption of AI in financial Institutions. This comes after the 2025 Survey on AI in the Banking Sector<\/a>,<\/strong> which we wrote about here<\/a>, where respondents sought a comprehensive Guidance on AI, covering governance and compliance, risk management and incident management and reporting.<\/p>\n\n\n\n

It highlights that the board of directors of financial institutions must ensure ethical and responsible adoption of AI and establish safeguards for AI adoption, whether the AI systems are provided by third parties or developed in-house. Institutions must adhere to the Data Protection Act (2019)<\/a> for any data processing activities, including registering as a data controller and obtaining explicit, informed consent from data subjects where required. They must also conduct data protection impact assessment and uphold all statutory rights of data subjects. Additionally, financial institutions are required to also adhere to the Consumer Protection Act (2012)<\/a>, and AI use should not result in unfair treatment or trade practices that may arise where AI-based decisions are a result of algorithmic bias.<\/p>\n\n\n\n

Data Governance and AI Strategies<\/em><\/strong><\/p>\n\n\n\n

Institutions will be required to seek approval from the CBK to deploy AI systems in their operations. Annex III provides a data governance and AI checklist for institutions to use when they are seeking approval from the CBK for the deployment of AI systems. Senior management should implement a Data Governance Strategy, which establishes the institution\u2019s approach of managing data, and a Data Governance Policy that translates the Strategy into mandatory requirements. There should be a Data Governance Framework which provides the mechanisms and controls to implement the Data Governance Strategy and Policy. Annex I formulates the high-level contents of a Data Governance Policy. <\/p>\n\n\n\n

Institutions should also have an AI Strategy that builds upon the overarching data governance foundation to guide on how an institution adopts and derives value from AI. This includes establishing controls during; planning and design, development and acquisition, training, deployment, retirement and decommissioning of AI systems. An AI Policy must also be implemented to establish the mandatory requirements for responsible use of AI. There should be an AI Risk Management Framework that operationalises the AI Policy and Strategy requirement through AI-specific governance and risk controls. Annex II formulates the high-level contents of an AI Policy, which should include the purpose and scope of AI use, ethical considerations,ethical principles and guidelines,and AI Impact assessment.<\/p>\n\n\n\n

Institutions should have internal audits to assess the design and effectiveness of the strategies and policies on AI and data governance at least once annually. They should also have external auditors that can conduct risk assessments of the institution\u2019s AI activities. Institutions\u2019 adoption of AI must be within the tenets of customer-centricity, ethics, fairness and responsibility, privacy, security, continuous monitoring and development.<\/p>\n\n\n\n

Generative AI<\/em><\/strong><\/p>\n\n\n\n

Institutions that adopt generative AI should ensure that their policies include; confidentiality, output validation, hallucination risks, intellectual property and employee awareness. Institutions that intend to deploy agentic AI, capable of independently initiating actions and interacting with external systems, which is a high-risk AI system, must establish appropriate governance, risk management and control measures commensurate with the nature, scale and complexity of the system before they can be deployed The Note classifies high-risk AI systems as those that are likely to infringe on the rights and freedoms of a data subject.<\/p>\n\n\n\n

Training<\/em><\/strong><\/p>\n\n\n\n

The guidance note also provides that Institutions should also provide appropriate training and awareness programs for staff and relevant parties to promote ethical use of AI. In accordance with the Data Protection Act, the Note highlights that there must be transparency to customers on use of AI. Customers must understand how the AI-driven decisions are made, including an explanation of the underlying factors, variables and data points used by the model. The customers also have a right to request and obtain human intervention in the review of decisions made by AI systems. The human review is to be conducted by a person with appropriate authority and training to evaluate the AI\u2019s decision and the customer\u2019s specific case.Institutions must provide a register of their AI models, systems and services as set out in Annex IV to the CBKimmediately the Note takes effect and thereafter by the 5th day after the end of every financial year. Institutions must notify the CBK within 24 hours of any AI incident that materially affects service availability, confidentiality, integrity, the institutions’ reputation or financial condition. Once the incident is resolved there must be a report indicating the cause, origin and lesson learnt from the incident. Institutions shall also provide the CBK with a report by the 5th day after the end of every quarter concerning the occurrence and handling of AI incidents.<\/p>\n\n\n\n

Comments on this draft guideline should be submitted to the CBK by the 7th of November via this email address: fin@centralbank.go.ke<\/a> <\/p>\n\n\n\n

\n

\u00a0CBK,Draft Guidance Note on Artificial Intelligence in the Banking Sector<\/em>, 2026, 32 .
\u00a0CBK,Draft Guidance Note on Artificial Intelligence in the Banking Sector<\/em>, 2026, 28.
\u00a0CBK,Draft Guidance Note on Artificial Intelligence in the Banking Sector<\/em>, 2026, 9.
\u00a0CBK,Draft Guidance Note on Artificial Intelligence in the Banking Sector<\/em>, 2026,13.
\u00a0CBK,Draft Guidance Note on Artificial Intelligence in the Banking Sector<\/em>, 2026, 21.
\u00a0CBK,Draft Guidance Note on Artificial Intelligence in the Banking Sector<\/em>, 2026, 8.
\u00a0CBK,Draft Guidance Note on Artificial Intelligence in the Banking Sector<\/em>, 2026, 24.
\u00a0CBK,Draft Guidance Note on Artificial Intelligence in the Banking Sector<\/em>, 2026, 26.
<\/p>\n<\/blockquote>\n\n\n\n

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CBK Guidance Note on AI in the Banking Sector The Central Bank of Kenya (CBK), has issued a Guidance Note on Artificial Intelligence in the Banking Sector.. The Guidance Note, which is still a draft, outlines requirements for the responsible adoption of AI in financial Institutions. 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