In 2018, the Ministry of Labour and Social Protection in Kenya launched the newest phase of its social safety net program Inua Jamii with an audacious goal: provide all beneficiaries with a full bank account and offer them a choice among four financial services providers. Beneficiaries can access funds at bank branches and biometrically enabled agents of the bank of their choice. In this case study, the authors examine how the Inua Jamii program gradually introduced payments digitization, then chose to design a program that has successfully scaled to reach the most vulnerable groups in Kenya. The study details how Kenya has enlisted private banks to deliver social benefits and has offered them incentives to promote outreach in rural areas. The authors also describe how development partners supported the transformation of the social safety net programs.