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



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https://cgspace.cgiar.org/bitstream/handle/10568/99129/2057_PDF.pdf?sequence=1&isAllowed=y
Type: 
discussion paper
Author(s): 
LHB Associates
Farmerline Ltd.
FLV Logistics
Kowree
Description: 

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

Publication year: 
2019