Paper short abstract:

Mobile banking is one of the latest digital transformation achievements in the developing world and is depicted as an enticing tool for improving agricultural services. The study examines factors that influence the adoption and use of mobile banking by small-scale farmers in developing countries.

Paper long abstract:

Smallscale farmers in developing countries experience a wide range of difficulties, including transaction services, which are caused by difficulties in agriculture or farming extension services and could be resolved by using mobile banking applications. Mobile banking is one of the latest digital transformation achievements in the developing world. The recent growth of cell phone usage in developing countries has sparked interest in mobile banking, such as mobile money transactions. Mobile banking adoption in developing countries by different sectors has been successful since it has enormous potential, thus being depicted as an enticing tool for improving agricultural services, particularly among small scale farmers who rely primarily on banks for their money transfers. Contrary to common assumptions, fewer people utilize mobile banking services for agriculture, which suggests that this sector of smallscale farming has not yet undergone a radical transformation within developing countries. Several research studies have indicated that over 80% of business owners have adopted mobile banking, but only 15% use this innovation for agriculture-related payments. Through a systematic literature review, this study examines factors that influence the adoption and use of mobile banking by small scale farmers in developing countries. It aims to synthesize previous work and identify knowledge gaps (in relation to theory, context, content, and methodology) and future research opportunities in this area. By examining the determinants that influence the use and adoption of mobile banking among small scale farmers in developing countries, this study adds new knowledge to the body of existing research and fills a gap.