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The Future of Succession: The place of AI and digital assets in Estate Planning in Kenya

In today’s digital age, death no longer leaves behind land titles, bank accounts, motor vehicles and family homes only. Increasingly, individuals are leaving behind cryptocurrency wallets, M-Pesa balances, cloud-stored documents, monetized social media accounts, online businesses and digital investments accessible only through passwords and biometric authentication.

As technology continues to transform how wealth is created, stored, and managed, Kenya’s succession framework is being confronted with realities it was never originally designed to address. The growing intersection between artificial intelligence, digital records, and estate planning is therefore raising complex legal questions on the validity of electronic wills, digital inheritance, online assets and the role of technology in preserving testamentary intentions after death.

The Law of Succession Act: A framework built for another era

The Law of Succession Act was enacted long before technologies such as cloud computing, artificial intelligence, blockchain, and electronic signatures became part of daily life. While the Act recognizes only written and oral wills, it does not expressly provide for electronic wills, AI-assisted wills, video-recorded wills, cloud-stored testamentary instructions, or blockchain-based estate directives.

This legislative gap has created significant uncertainty regarding the legal validity of digital estate planning tools in Kenya, exposing many individuals to the risk that digitally documented wishes may later become the subject of succession disputes after death.

Electronic wills and audio-visual testamentary records

One of the most debated questions in modern succession law is whether an electronic or audio-visual will can be legally valid in Kenya.

Kenyan courts have increasingly been confronted with electronic evidence in succession disputes. In re Estate of Kevin John Ombajo (Deceased) [2021] KEHC 459 (KLR), the court examined whether an audio-visual recording could constitute a valid testamentary instrument. While the court acknowledged that the Law of Succession Act does not expressly provide for audio-visual wills, it also recognized that electronic evidence may be admissible under the Evidence Act.

Sections 78A and 106B of the Evidence Act are particularly important in this area as they allow electronically generated records to be admissible in court, subject to conditions regarding authenticity, integrity and reliability.

This creates an interesting legal paradox: while electronic evidence may be admissible, the Law of Succession Act still does not expressly validate electronic wills.

Practical estate planning tips

As the law slowly evolves, individuals should begin proactively incorporating digital considerations into estate planning through;

  • Preparing professionally drafted wills;
  • creating an inventory of digital assets;
  • securely documenting passwords and recovery mechanisms;
  • appointing trusted executors;
  • clarifying ownership of online businesses;
  • preserving records of cryptocurrency holdings;
  • organizing cloud-stored legal and financial documents; and
  • seeking legal advice on digital asset succession.

Importantly, digital estate planning should not be viewed as a concern exclusive to tech entrepreneurs, but as an essential aspect of modern estate planning for anyone with a digital presence or electronically stored assets.

Conclusion: Succession law at a technological crossroads

Kenya’s succession law is increasingly being tested by the rise of AI, digital records and online assets, as modern wealth now extends beyond traditional property to include digital businesses, electronic records, cryptocurrencies and AI-generated assets. While technology continues to reshape how wealth is created and managed, the current legal framework is yet to fully address issues such as electronic wills, digital evidence, data privacy and the inheritance of virtual assets. As a result, estate planning in Kenya must evolve into a modern, technology-conscious framework capable of protecting both wealth and testamentary intention in an increasingly digital world.

Contributors:

Julie AtienoRoselyne Muyaga
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