Mobile phone based money services have spread rapidly in many developing countries. We analyze micro level impacts using panel data from smallholder farmers in Kenya. Mobile money use has a large positive net impact on household income. One important pathway is through remittances, which contribute to income directly but also help to reduce risk and liquidity constraints, thus promoting agricultural commercialization. Mobile money users apply more purchased inputs, market a larger proportion of their output, and have higher farm profits.

The Applied Research and Innovation Systems in Agriculture project (ARISA) started in December 2014 with the aim of increasing net farm income for 10,000 smallholder farming households in eastern Indonesia. The project was designed to address a key challenge in agricultural research for development: how to ensure that proven research outputs1 are available and accessible for use in farming communities.