The recent proliferation of mobile phones in rural Africa has also led to increased interest in mobile financial services (MFS), such as mobile money and mobile banking. Such services are often portrayed as promising tools to improve agricultural finance, especially among smallholders who are typically underserved by traditional banks. However, empirical evidence on the actual use of MFS for agricultural activities is thin. Here, we use nationally representative data from Kenya to analyze the use of mobile payments, mobile savings, and mobile credit among the farming population.

Mobile phones fit well into the lives of pastoralists in low-income countries. The technology is firmly integrated into most pastoralist communities, affecting and transforming several core activities. Most studies concerned with this relationship, however, have narrow regional and thematic foci. The complementarity or discrepancy between relevant research is unknown, and a critical assessment of the current state of research is lacking.