NCBA has launched PropertyDuka, which it says is East Africa’s first AI-native property ecosystem, bringing property search, financing, construction, furnishing and insurance services together on one digital platform. The marketplace enables users to search for homes, receive AI-powered guidance through PropwizAI, assess mortgage affordability, access NCBA mortgages and construction financing, and connect with verified developers and property service providers. The launch comes as Kenya’s property market, valued at over KES 1 trillion annually, continues to record low mortgage uptake, with only about 30,000 active mortgages despite nearly 79% of urban residents renting. PropertyDuka joins CarDuka and AuctionsDuka under NCBA’s Duka Marketplaces platform, which has grown to nearly 7 million users and facilitated over KES 4 billion in transactions since 2025. NCBA says the platform is part of its strategy to expand beyond traditional banking by embedding financial services into customers’ property journeys.