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Understanding ag fintechs' business models

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Agri-wallet, an innovative agriculture fintech operating in Kenya, is committed to changing this. Founded in 2017 and winner of multiple awards, including the World Bank’s Disruptive Agricultural Technology Award, Agri-wallet provides supply chain finance to ensure that all actors in the value chain – including farmers, buyers and suppliers – can access the resources they need to grow and scale.  And it aims to solve this challenge in a way that is affordable for its customers and profitable for its investors – an often difficult balance to strike when it comes to smallholder and agricultural finance.

In the autumn of 2019, as Agri-wallet prepared to expand its operations, the team engaged the Mastercard Foundation Rural and Agricultural Finance Learning Lab (the Lab) and IDH The Sustainable Trade Initiative (IDH) to conduct a Service Delivery Model Analysis. The analysis evaluated Agri-wallet’s business model and identified opportunities for Agri-wallet to scale sustainably while creating positive returns for its farmer and agri-SME customers, and its investors.

Two years after ideation, Agri-wallet has gone a long way. The journey started in Kenya working with large international buyers to support them in building more sustainable, fair and transparent supply chains by providing them with affordable trade finance. Since then, Agri-wallet expanded first to serving smallholders, to further strengthen the supply chain by improving smallholder access to high quality inputs and, more recently, to international input suppliers looking to finance large inventory purchases.

Article page  -  English (en)

Document Information

Document Type Case Study
Year of Publication 2020
Region / Country Global /
Primary Language English (en)
Keywords value chain development, digital financial services
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