Tourists navigating Kenya’s safari circuits or local markets may soon leave cash behind. TouristTap, a mobile app from fintech firm Craft Silicon, converts NFC-enabled smartphones into point-of-sale devices. Visitors can pay directly with Visa or Mastercard, while funds flow straight to mobile wallets, bank accounts, or merchant tills.

The significance extends beyond convenience. This is an experiment in connecting formal financial networks with informal commerce, a challenge that has hindered digital adoption across much of Africa.

Card transactions in Kenya reached Sh538.5 billion in 2024, signaling readiness for a broader shift. TouristTap targets a gap in tourism payments, enabling international visitors to bypass ATMs and currency exchanges while giving small vendors access to global payment systems without expensive infrastructure.

Adoption, however, remains a question. Will informal sellers trust a new system? Can older tourists navigate the app easily? The answers will define whether TouristTap transforms the sector or serves only a fraction of it.

TouristTap integrates card payments with mobile money wallets, merging Kenya’s digital ecosystem with international networks. The result: lodges, markets, and roadside shops become part of a connected payment grid. Revenue flows, financial tracking, and even taxation gain visibility in ways previously impossible.

But risks persist. Heavy reliance on global card networks could expose vendors to fees that erode profit margins. Integrating TouristTap with local tax reporting will also test both the app and regulatory systems.

Craft Silicon envisions expansion across African tourism hubs, where cash dependence and fragmented markets are common. But cross-border regulations, currency volatility, and vendor trust complicate replication. Digital adoption in informal economies is rarely a straightforward technical problem; it’s cultural and social too.

Payments are part of local interaction, not just transactions. Negotiation, trust, and personal relationships define commerce in small markets. TouristTap must navigate these dynamics without imposing friction.

Tourism accounts for over 10% of Kenya’s GDP, giving digital payments a significance that goes well beyond convenience. TouristTap aims to streamline transactions, but its ultimate impact will hinge on adoption, behavioral shifts, and system reliability.

Small vendors might embrace the app if it proves faster and safer than cash—or they could resist, wary of fees, technical hiccups, or the loss of the personal connection that cash facilitates. Tourists, especially younger, tech-savvy travelers, may take to it immediately, while others stick to traditional payment methods, creating uneven usage patterns.

Peak seasons will test the app’s infrastructure, and regulatory alignment with KRA will determine whether digital transactions translate into smoother tax collection or new compliance hurdles. If widely adopted, TouristTap could stimulate spontaneous spending, boost revenues for small businesses, and integrate informal vendors into formal financial networks.

At the same time, reliance on Visa and Mastercard may strain margins or introduce new economic disparities. Ultimately, the rollout is less a product launch than a live experiment in trust, behavior, and digital infrastructure—its full story unfolding in real time as tourists, vendors, and regulators interact with it.

If it succeeds, TouristTap could unify payments for everything from a Maasai bracelet to a lodge stay. For tourists, transactions vanish into the background. For local businesses, the app streamlines revenue, formalizes cash flows, and connects them to international customers.

In a sector critical to the national economy, small innovations like this ripple outward, shaping both Kenya’s financial ecosystem and its image as a modern, visitor-friendly destination.