Cash usage behaviour and its implication for digital payments: A case of Ghana and Nigeria's smallholder cassava value chain

This study considers what lessons might be learned from the cassava value chain in the context of CTA’s interest in the potentials of: digital financial services for agriculture, such as mobile payments for farmers’ products; other payment streams for financial inclusion of farmer; index based insurance services;  digital services to support access to loans and credits. This research provides a comprehensive market study of cash usage behavioural practices and financial literacy among cassava farmers in Ghana and Nigeria. Specifically, this study: analyses the demographic profile of targeted farmers in Ghana and Nigeria within the cassava growing regions ; maps the production and marketing of cash payment flows; analyses the current usage of mobile money among targeted farmers; analyses the experience of targeted farmers with mobile money and its potential for adoption. This study also provides a common framework and approach for how cash usage behaviour (CUBeR) that can be assessed for farmers not only in cassava, but also for other crops and products