Particularly in Kenya, fintech companies are the leading creditors to low-income citizens. Now, fintech companies reach more Kenyans than traditional banking institutions. Obviously, the majority of fintech companies do not have enough liquidity to lend as much as they do. They require funding. At the same time, traditional lending institutions will not lend to such companies because of the nature of their business (giving unsecured loans). So, if a fintech company requires funding, it is more likely to get it from unconventional financing companies than the typical ones. 

Media financing entails acquiring funds to produce any sort of media product be it a commercial movie or a documentary. Like fintech companies, media companies and especially small independent ones have a difficult time securing funding due to the unpredictable nature of media earnings.

The only sure way for fintech and media companies to get funding is to look into non-traditional lenders