Digitization of Agribusiness Payments in Africa
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World Bank, Washington, DC
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This report aims to present the
rationale for digitization of agribusiness payments in
Sub-Saharan Africa (SSA), assess the current status of
digitization using demand and supply-side data, and identify
key actions that can help accelerate digitization. The
report draws on an analysis of financial-inclusion data from
the Global Findex database, a survey administered to select
agribusinesses active in SSA (henceforth referred to as the
Africa Agribusiness Payments Survey, or AAPS), and case
studies of select agribusinesses that responded to this
survey. The Findex data analysis leverages questions in the
survey that identify whether the respondent had received
payment against the sale of an agricultural good; how the
payment was received, in cash or through a digital means,
defined to include an account at a bank or non-bank
financial institution, mobile money account, or a card, and,
if an account holder, whether the account was opened to
receive an agricultural payment. The AAPS was administered
to purposefully selected agribusinesses active in SSA, with
either a regional or national scope. Some firms were added
to the survey since they were known to have an active
digitization program, but this was not a requirement for
inclusion in the survey.
Palabras clave
FARMER, POVERTY, CROP INSURANCE, CREDIT COOPERATIVE, MOBILE MONEY, GLOBAL FINDEX SURVEY, AGRIBUSINESS, FINANCIAL INCLUSION, DIGITAL PAYMENTS