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Consumer perception of risk exposure and purchase preferences for milk from milk ATM in Kenya

Consumer perception of risk reflects their awareness of the potential risks exposure in milk consumption and they associate some milk retailing with more risks than the others. For the risks assessed, consumers hold the perception that milk from milk ATM is as safe as packaged milk while milk from ATM is safer than milk from plastic containers.

This observation by Tassmatt Agencies Limited would suggest consumer acceptance of milk retailing in ATM. Viewed from market-led perspectives, milk ATM retailing represent a new segment of formal milk share and therefore supportive to strategic objective of formalisation of milk market in Kenya as aspired for in the national dairy master plan.

It is a viable business opportunity that SMEs working closely with the government can build upon with good food safety assurance practices in contributing to the strategic development objective of the dairy industry in Kenya.

It is clear from results of this observation that consumers express low confidence in milk retailed from plastic containers as compared to milk retailed from ATM or packaged milk. Their perception of risk of milk from plastic containers is corroborated with the observed milk quality. Then on compliance in microbial quality was more prevalent in plastic containers than in ATM or in packaged milk. However, use of plastic containers in milk retailing remains widespread in the market outlets. This continues despite the introduction of small sized aluminium containers and improved plastic containers (mazzican containers) as alternatives to replace the plastic containers in efforts to improve milk hygiene and quality standards.

Predominant use of plastic containers in milk transport and retailing can be attributed to its low cost, though discouraged for milk handling because of difficulties in cleaning. It is possible to eliminate the prevalent use of plastic containers in milk handling if the government can extend the ban on plastic carrier bags successfully enforced in the country since 2017 to plastic containers

That consumers perceived presence of chemical preservatives (hydrogen peroxide) a greater risk in packaged milk than in milk from ATM or from plastic containers demonstrate consumer low confidence in both formal and informal milk retailing for quality and safety assurance. It points to consumers perceiving that chemicals are used in milk processing.

Milk processors should consider this a consumer concern in milk quality and safety assurance. It is an indication that processed milk has failed to guarantee consumers safety as they express higher preference for milk from ATM over packaged milk on several attributes for which packaged milk would justify charging premium price. This observation has established that milk from ATM is more attractive than the packaged milk for several reasons: price, consistent availability, traceability and safety from chemical and biological hazards. The observation corroborates those of cooking and salad oil atm et that consumers prioritise price and convenience over safety in their milk purchasing behaviours.

For milk atm sellers in Kenya, contact Tassmatt via 0726-410068

Requirements For Starting a Milk Bar ATM Business in Kenya

This article outlines some of the key requirements that an investor on Milk ATM business in Kenya, Milk Bar or Parlor should have for a smooth operation. A Milk ATM baris a retail outlet that sells milk and other dairy products to consumers. Milk bars generally handle between 50 to 200 litres of milk per day. The milk bar ATM machines have in-built coolers and use electricity to store and dispense milk.

Kenya has a well-developed dairy industry with an estimated production of 5.2 billion litres of milk per year. Actually, the dairy industry in Kenya contributes approximately 14% and 4.5% of the country’s agricultural and National Gross Domestic Products (GDP) respectively.

The licensing of milk bars is done by the Kenya Dairy Board (KDB). As of last year, there were more than 1,400 licensed milk bars in the country. Most of these milk bars are located in urban and peri-urban areas.

The procedure of  Starting a Milk ATM Bar in Kenya 

1. Identify a suitable premise to set up the milk bar.  The premise should meet the following hygienic and operational requirements.


  • The premise should be located away from sources of contamination.
  • The floors, walls and ceilings should be impervious, easy to clean and sanitize.
  • The premise should have adequate and protected lighting and ventilation.
  • The premise should have adequate hand washing and sanitization facilities.
  • Adequate and clean toilet and sanitary facilities should be provided.
  • The premise should be designed to prevent cross-contamination of milk.


  • Surfaces of milk containers intended to come into contact with milk should be easy to clean and disinfect, corrosion-resistant and not capable of transferring harmful substances to the milk.
  • The layout of the equipment should allow for adequate cleaning and prevent cross-contamination.

Cleaning and sanitization programs.

  • The cleaning and disinfecting agents should be effective, safe and easily rinsed.
  • Immediate cleaning and disinfection of the equipment and containers after use.


  • Milk handlers should be free of contagious or infectious diseases which may be transferred through the milk or affect the quality and safety of the milk.
  • Milk handling personnel should observe personal hygiene, wear suitable protective attire and avoid undesirable behaviour during milk handling.


  • Provide adequate and clean potable water for cleaning of equipment, facilities, utensils and containers.

Waste Management

  • Liquid and solid waste should be disposed of in accordance with the relevant regulations.
  • Ensure solid and liquid waste does not harbour flies, insects and other rodents.


  • Premises should be managed by a qualified supervisor or manager.


  •  Recommended processing schedules should be followed e.g. pasteurization temperatures and time controls.

2. Contact the nearest Kenya Dairy Board office for a preliminary inspection of premises (Where areas of non-compliance are identified, improvements should be undertaken)

3.  Apply online for licensing.

The application fees for a milk bar license is Ksh 600. The online application is done at the Kenya Dairy Board Portal.

The following documents will be required.

  • A copy of your business registration certificate
  • PIN certificate
  • Identity card
  • Proof of pasteurization
  • Medical certificate of the Milk handling personnel

4. You will then obtain notification of inspection.

5. Upon successful inspection, you will be required to pay the requisite license fees of Ksh 2,500.  This is an annual fee.

6. Once you have made the payment, the license will be processed within 14 days. The license will be valid for a period of one year.

7. You can now start operations and pay monthly cess and levy as and where applicable. Kindly note that non-compliance can lead to suspension of the permit.


You can always relay on Tassmatt Agencies Limited for Milk Vending ATM Machines in Kenya for your milk bar, Tassmatt assist on obtaining of all the listed licenses upon purchase of the machine. Give them a call via 0726-410068. Keep in mind that milk coolers and milk pasteurizers are also available.

How does a Milk Dispensing ATM Machine works?

How does a Milk Dispensing ATM Machine works? This is one of the critical question we normally get from our online and telephone conversation with willing buyers and those in research. Tassmatt Agencies Limited offers customers of milk ATM vending machine in Kenya various solutions due to the companies vast experience from its innovation of milk ATM in Kenya. On this article we have highlighted an outline on how milk dispenser ATM works;


Milk vending business in Kenya has taken a different course in recent years, with the introduction of vending machines known us milk ATM.

Milk market has shifted from processed and traditional vending to the new technological retailing techniques that preserves fresh milk.

Tassmatt assesses the market conditions leading to this change and highlights how traders can acquire and operate the milk vending machine, Milk ATM.

According to the Dairy Industry Act Cap 336 and Public Health Act Cap 242 of the Laws of Kenya, traders should follow and comply with certain rules before installing a milk vending machine in Kenya.

The measures stipulate that a trader should have a well-designed and constructed premise with proper walls, drainage, lighting and ventilation.

The mode of transport should be hygienically made using aluminum or stainless steel and approved, milk transport vehicles.

The trader should also observe personnel hygiene and health –having a medical certificate is mandatory.

The vending premises should have access to clean and portable water.

The trader should maintain quality records for cleaning and disinfection of the premises and equipment for vending.

The environmental should be hygienically clean.

After ensuring that the above measures have been adhered to, the trader can apply for licensing from the Kenya Dairy Board – at this stage, an inspection of the premises will be done to evaluate compliance before a license is issued.

There will be routine inspection by the board after licensing to ensure hygienic requirements are continuously met.

The trader should also have other licenses such as trade licenses by the County Governments.


The ATM Machine works like an Automated Teller Machine allowing consumers to buy milk from a mechanized nozzle. In this activity, they bring their own canister and you key in the amount they need then they pay. It’s really that simple. This reduces packaging expenses for both you and your customers.