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Mobile Payments: How Digital Finance is Transforming Agriculture

This report has been produced through primary research on agriculture mobile payments initiatives in Ghana, Uganda  and Zambia with the aim of understanding the potential of mobile finance for  the agricultural sector and how these barriers might be overcome. The research revealed that smallholders are an economically viable target market for mobile financial service and there have been identified three steps in the approach for replacing cash payments being made by large buyers to smallholders, with mobile payments. These steps are: (i) cash usage behavioural research (CUBeR); (ii) strategic alliance formation (StAF); and (iii) embedding mobile finance (EMoFi) into the value chain knowledge exchange and other interventions.

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