Trust and lack of information remain the biggest barriers keeping retail investors out of Kenya’s capital markets.This is according to an analysis by investment firm Lofty Corban, which argues that while regulatory reforms and new products have expanded the market on paper, ordinary investors still struggle to participate meaningfully in the market. As a result, trading activity at the Nairobi Securities Exchange remains concentrated among institutional players, leaving retail investors on the sidelines. The findings come amid growing concern that Kenya’s capital markets are failing to channel household savings into productive investment, even as the economy faces a 2.4 trillion shilling credit gap.