Cash usage behaviour and its implication for digital payments: A case of Ghana and Nigeria's smallholder cassava value chain

This study was commissioned by the Technical Centre for Agricultural and Rural Cooperation ACP-EU (CTA) to assess the financial behaviour of cassava farmers in Ghana and Nigeria, in relation to their usage of cash and their interest in mobile payments for their farm products as a gateway to other digital finance products. Data from smallholder farmers were collected through focus group discussions (FGDs) and surveys carried out in the cassava producing regions of Ashanti, Brong-Ahafo and Volta in Ghana, and the communities of Oleh, Olicha and Ozoro in Nigeria.