Summary
This cross-sectional study of 600 smallholder farmers across six Nigerian geopolitical zones examined how Digital Financial Services adoption relates to climate adaptation capacity, with explicit attention to gender disparities. Education, farm income, extension access, and mobile phone ownership significantly increased DFS adoption likelihood, whilst female gender was negatively associated (β = −0.283). DFS adoption showed positive association with higher adaptation intensity (β = 0.451), particularly through digital credit and savings, though the cross-sectional design permits only associative rather than causal inference.
Regional applicability
This study is specific to the Nigerian context across six geopolitical zones and directly addresses adaptation pathways in that setting. The findings on gender-responsive digital finance design and women's technology access barriers may have relevance to United Kingdom policy discussions around financial inclusion in agriculture, though UK smallholder demographics, infrastructure, and climate stressors differ substantially from Nigeria's conditions.
Key measures
DFS adoption rates by gender; climate adaptation intensity (measured via principal component analysis); regression coefficients for factors influencing DFS adoption and adaptation intensity
Outcomes reported
The study examined associations between Digital Financial Services (DFS) adoption and climate adaptation intensity among smallholder farmers, with stratified analysis by gender. DFS adoption was higher in male farmers (68%) than female farmers (51%), and DFS use was positively associated with higher climate adaptation intensity.
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