Summary
This paper investigates the role of digital financial services in Nigerian horticultural value chains, examining whether traditional cash-based transactions persist or have been displaced by digital payment methods. As suggested by the title, the study compares the use of digital finance platforms (such as mobile money and bank transfers) across horticulture supply chains to understand adoption patterns and their economic implications. The findings contribute to understanding financial inclusion and efficiency in African agricultural markets, particularly in smallholder-dominated sectors.
UK applicability
Direct applicability to the UK is limited, as Nigerian horticultural value chains operate under different regulatory, infrastructure, and market conditions. However, findings may inform comparative analyses of digital finance adoption in food supply chains and provide relevant context for UK development or trade policy affecting agricultural markets in sub-Saharan Africa.
Key measures
Adoption rates of digital finance tools; transaction volumes and frequency by payment method; barriers and enablers to digital adoption; cost and efficiency metrics across value chain segments
Outcomes reported
The study examines the extent and patterns of digital finance use (e.g. mobile money, bank transfers) among actors in Nigerian horticultural value chains, and assesses whether cash remains the dominant transaction medium or has been displaced by digital alternatives.
Topic tags
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