Fintech steps in as banks underfund African agriculture, as FINAS 2025 aims to reset agri-finance.

Agriculture is the backbone of many African economies, yet it remains woefully underfinanced by traditional lenders. In Kenya, agriculture employs about 70% of the rural population and contributes over 22% of GDP, but banks have largely avoided the sector due to high costs and perceived risks. In fact, African commercial banks provide only an estimated 4% of smallholder agricultural finance, focusing mostly on well-established value chains like tea, coffee, and dairy. This gap has paved the way for fintech innovations to step in. Digital finance offers significant potential to reduce delivery costs and partially de-risk agricultural finance through mobile money, agent banking, and data-driven tools. As Kenya and the broader African agri-finance sector stand at a crossroads, stakeholders are convening through forums such as the upcoming Financing Agrifood Systems Sustainably (FINAS) 2025 summit in Nairobi (May 20-22, 2025) The dialogues, alongside the ambitious goals set by the African Union's Kampala Declaration and the CAADP 2026-2035 strategy , are crucial. The “voices from the field” – from smallholder farmers to fintech founders and policymakers – are painting a picture of challenges, innovations, and collaborations that will shape the future of agri-finance.

The Current Landscape of Agri-Finance in Africa.

Agri-finance trends across Africa indicate a sector ripe for disruption. Mobile technology is nearly ubiquitous, and financial inclusion is on the rise. In Kenya, access to formal financial services climbed to 84.8% in 2024 (up from 83.7% in 2021). Over half of Kenyans (52.6%) now use mobile money daily, more than double the rate in 2021. This digital finance foundation – driven by services like M-Pesa – provides a springboard for agri-fintech solutions. Fintech and agtech startups are leveraging mobile penetration to offer credit, payments, insurance, and advisory services tailored to farmers. From Nigeria to Kenya, innovators are bundling financial products with agronomic support, aiming to transform how smallholders access capital and markets. Notably, agri-fintech operates at the intersection of agriculture and financial technology, leveraging digital tools to finance farming ventures, manage payments, and insure crops. As a result, farmers’ access to credit is improving, payment systems are becoming more efficient, and agricultural value chains are slowly digitizing. Yet, progress is uneven across the continent. While East Africa leads in mobile money usage, other regions are catching up with different models of digital agrifinance. The overall trend is clear: the future of agri-finance in Africa will be digital, data-driven, and highly collaborative between traditional financial institutions and fintech innovators. The momentum is building – as evidenced by pan-African conferences like FINAS and new continental strategies like the CAADP 2026-2035 plan aiming to significantly boost agrifood output and trade – but significant gaps remain to be addressed before this promise is fully realized.

Persistent Challenges in Financing Agriculture

Despite optimism, stakeholders acknowledge deep-rooted challenges that continue to hinder agricultural finance:

High Risk Perception: Farming is seen as risky by lenders due to weather dependency, price volatility, and covariant risks (like droughts affecting many farmers at once). This risk perception, coupled with a legacy of past loan defaults in state-run credit programs, makes banks cautious. Until robust de-risking mechanisms (e.g. insurance or guarantees) are in place, many financial institutions will shy away from smallholder lending.
High Transaction Costs: Smallholders are often in remote areas, which drives up the cost of serving them. Reaching dispersed rural clients traditionally required extensive branch networks and staff travel. Even with agent banking and mobile money reducing costs, serving rural farmers still entails higher transaction costs due to last-mile logistics.
Information Asymmetry & Data Gaps:A recurring theme voiced at industry convenings, including FINAS pre-summit dialogues, is the information asymmetry between financial institutions and the farm sector. Many banks simply lack data on smallholder creditworthiness or the efficacy of agritech solutions. Datasets on farmer incomes, crop yields, or repayment behaviors are often incomplete or siloed. As a result, lenders struggle with credit scoring for farmers. “It is very difficult to keep up to date with what works in a rapidly changing environment,” noted one conference report, underscoring how information gaps limit uptake of new solutions. While data is being collected via digital platforms, much of it remains incomplete or unusable for decision-making (e.g. inconsistent records of farm outputs, or scattered mobile transaction histories). Addressing this data challenge is central to FINTAK's focus area at FINAS 2025.
Limited Financial Literacy:On the farmer side, limited financial literacy and low tech proficiency impede adoption of digital services. Many smallholders are unfamiliar with financial products beyond informal loans or table banking. Solutions need to be designed for easy use and accompanied by education. Fintech providers often find they must invest in “feet on the ground” – field agents or training – to onboard farmers and build trust.
Physical Infrastructure Deficits: Digital solutions can’t fully compensate for gaps in physical infrastructure. Poor rural roads, limited electricity , and spotty internet connectivity make it harder to serve farmers and sustain agri-businesses. As AGRA’s Head of Inclusive Finance, Hedwig Siewertsen, remarked in 2022: “Digital is an enabler – it helps with data and fund flows – but it cannot compensate for the lack of physical infrastructure such as roads, shops, and warehouses”. This reality means digital finance must be complemented by investments in physical supply chains and rural infrastructure.

These challenges form a sobering backdrop. However, they have also spurred creative approaches to de-risk, educate, and inform – setting the stage for innovative agri-finance models discussed next.

Digital Finance Opportunities Transforming Agri-Finance

Despite the hurdles, digital innovation is rapidly unlocking new opportunities in agri-finance. Fintech solutions are demonstrating that it’s possible to bring financial services to the farm gate in a sustainable way. Key opportunity areas include:

Mobile Money and Agent Banking – A Financial LifelineKenya’s experience with M-Pesa has shown how mobile money can revolutionize rural finance. Mobile wallets give farmers a safe way to save and transact, even without a bank account. The spread of agent banking and mobile payment acceptance means farmers can get paid for produce or repay loans digitally, reducing cash-handling risks. Digital channels dramatically cut delivery costs – one reason digital finance is seen as a game-changer for agriculture. For example, Equity Bank’s mobile and agency banking model in Kenya has extended financial access deep into rural areas, providing a template for others. By transacting through mobile accounts, farmers build financial histories that can be used to assess creditworthiness. The daily use of mobile money by rural customers also opens doors for micro-insurance (e.g. weather index insurance premiums paid via phone ) and pay-as-you-go asset financing. In short, mobile money has become the financial lifeline that other agri-finance innovations build upon.
Fintech-Agtech Collaborations – Bundling Services End-to-End A powerful trend is the bundling of financial services with agricultural support on digital platforms. Fintech and agtech firms are partnering to offer farmers “one-stop-shop” solutions from planting to marketing. A flagship example is Safaricom’s DigiFarm platform in Kenya, often highlighted in conferences for its holistic approach. DigiFarmoffers a suite of end-to-end services: input loans and insurance, discount input vouchers, agronomic advice via mobile, a marketplace to sell produce, and connections to buyers – all accessible through a simple mobile menu. Safaricom’s vision, presented at the AFRACA conference, is to “increase farmer productivity, reduce farm losses and ensure farmers are fairly paid for their produce” through this digital ecosystem. By early 2022, DigiFarm had onboarded over 160,000 smallholder farmers across 9 value chains. Farmers using the platform saw improved yields thanks to access to quality seeds and inputs, and better farmgate prices through collective marketing. Another collaboration is between Arifu (a Kenyan ed-tech) and financial service providers. Arifu integrates fintech with farmer education, delivering interactive SMS lessons on financial literacy and farming practices. At the AFRACA forum, Arifu demonstrated how sending context-driven SMS advice can improve farming decisions and incomes. This digital learning not only benefits farmers (higher resilience, better crop management) but also financial institutions: Arifu’s partners saw improved loan uptake and fewer dormant accounts as farmers became more informed users of financial services. Such partnerships underline that credit alone isn’t enough – combining finance with knowledge yields better outcomes. Fintech-agtech collaborations are also extending to value chain specific solutions. For instance, consider the case of Ibero Uganda, a coffee exporter, which partnered with Quipu (a Banking-as-a-Service provider) to digitize financing for coffee out-growers. Through a field officer app tied to Ibero’s core systems, farmers receive advance payments for their coffee deliveries which are later reconciled at harvest. This effectively turns expected crop proceeds into working capital for farmers. It’s a great example of embedding finance into the agricultural value chain via technology. Pay-As-You-Go (PAYGO) models are another fintech-enabled opportunity making waves in agri-finance. PAYGO, pioneered in the solar energy sector, is now being adapted to agriculture equipment and inputs. A standout story is SunCulture, a Kenya-based agri-tech providing solar-powered irrigation systems. SunCulture uses a PAYGO financing model: farmers make a small down payment for the solar water pump and repay the rest over 12-30 months via mobile installments, while getting after-sales support. The impact has been striking – 76% of SunCulture’s customers reported increased income and 83% an improved quality of life as a direct result of adopting the irrigation tech. By tackling the irrigation gap with affordable financing, SunCulture illustrates how asset financing can unlock productivity for smallholders. Similar PAYGO approaches are emerging for farm machinery (like tractors through Hello Tractor’s platform ) and other inputs, lowering the upfront cost barrier for farmers.
Data Analytics and De-Risking ToolsDigital finance is enabling the capture of rich data from the agricultural field, which can be harnessed to mitigate risks. One promising area is geo-mapping and remote sensing data. Farmers’ GPS farm boundaries, satellite imagery of crop health, and on-ground field scouting apps are generating data that help estimate yields and track farm activities. A recent Palladium study (referenced at the AFRACA conference) highlighted excitement around geo-mapping “super apps” that bundle mapping with weather info, market prices, and input linkages. These technologies allow financiers to remotely assess a farm’s size, monitor crop growth, and even predict likely harvest volumes. For instance, leasing companies like EFA Group (Equipment Finance for Africa) now integrate geo-data into their credit processes. EFA uses geo-mapping for customer onboarding (verifying land size), loan monitoring (tracking field visits via GPS), and productivity assessment, which together reduce risk and improve portfolio management. This example shows that data-driven risk assessment is possible: with geo-spatial validation and historical yield data, financiers can make more informed lending decisions, even without traditional collateral. Another critical de-risking tool is agricultural insurance, increasingly delivered digitally. Index-based insurance products (for drought, excess rain, etc.) can payout automatically via mobile money when satellite or weather station data trigger a loss event. While not a fintech in the narrow sense, these insure-tech solutions complement digital lending by protecting both farmers and lenders against shocks. Some fintech startups partner with insurers to bundle micro-insurance with farm loans or input purchases. For example, DigiFarm’s loan product comes with an insurance component for the farmer’s peace of mind. Likewise, initiatives like Pula (an insure-tech firm operating across Africa) are working to distribute crop insurance via mobile platforms. The expansion of insurance and climate-smart agriculture practices was noted as vital for de-risking finance in the FINAS dialogues. Crucially, data sharing and analytics partnerships are emerging as enablers. Fintechs are creating farmer profiles by aggregating data points – mobile wallet transactions, input purchase history, training attendance, farm output records – to build credit scores for the unbanked. Lenders are starting to collaborate with such platforms (sometimes via APIs) to access these alternative credit scores. One example is LendXS, an agri-lending SaaS platform discussed at the AFRACA conference. LendXS pulls data from various sources to create risk profiles and scorecards for farmers across crops like coffee, dairy, maize, or even agro-forestry. By offering a B2B service, LendXS allows microfinance institutions and banks to plug into its analytics to improve loan decisions. This “data-as-a-service” for agri-lending exemplifies how fintech can lower the information barriers that have long constrained agricultural credit.
Banking as a Service (BaaS) and Platform Infrastructure As traditional financial institutions grapple with going digital, Banking-as-a-Service platforms have stepped in to bridge the gap. A major challenge identified in industry forums is the need for banks and MFIs to connect into the evolving agri-fintech ecosystem and use data effectively. BaaS providers like Musoni Systems and Quipu are answering this call by offering cloud-based core banking platforms pre-integrated with fintech services. For instance, Musoni’s BaaS solution (showcased at the AFRACA conference) provides a core banking system in the cloud with ready APIs to connect to mobile money (M-Pesa, MTN Mobile Money etc.), digital loan apps, payment providers, credit bureaus, and even agtech plugins. This means a rural-focused microfinance institution can quickly digitize its operations and offer mobile loans or savings without building everything from scratch. Quipu, similarly, worked with Ibero Uganda to integrate its banking system with a coffee trading system in that earlier example. The advantage of BaaS platforms is speed and interoperability: new integrations (say, adding a weather-index insurance product or a PayGo solar vendor) can be “plugged in” to a bank’s system with minimal fuss. As one conference takeaway noted, BaaS offers significant potential for fast-tracking integrations into financial technology. Over time, this could foster a more open, platform-based agri-finance ecosystem where banks, fintechs, and agtechs collaborate through shared infrastructure. It aligns with the broader Banking 4.0 trend – modular financial services delivered via APIs – now reaching the agriculture sector. In Kenya, we see early signs of this with banks like KCB and Equity launching developer portals and hackathons to encourage third-party agri-fintech solutions to connect with their systems. Such platform thinking will be key to scalability.

The Rise of AI in African Agri-Finance

Artificial Intelligence (AI) is rapidly moving from a futuristic concept to a practical tool reshaping African agriculture and its financing. While adoption is still nascent and concentrated in hubs like Kenya, Nigeria, and South Africa , AI's potential to address long-standing challenges is immense.

Precision Agriculture and Advisory: AI analyzes data from satellites, drones, and sensors to provide farmers with hyper-localized advice on optimal planting times, irrigation schedules, and fertilizer application. Platforms like AgriEdgein Morocco use AI for precision agriculture services , while initiatives like the Kenya Agricultural Observatory Platform leverage AI to deliver insights to millions of farmers. AI-powered chatbots, like the one developed by Opportunity International and Safaricom for DigiFarm users, offer instant, tailored agronomic support.
Enhanced Credit Scoring and Risk Assessment: AI algorithms can process diverse alternative data sets (mobile money usage, satellite imagery of farm health, psychometric data) to assess the creditworthiness of smallholders lacking formal financial histories. Companies like Apollo Agriculturein Kenya utilize machine learning for this purpose, enabling access to input financing. Farmonaut uses AI-powered satellite monitoring to provide lenders with real-time insights into crop performance, informing credit decisions.
Disease and Pest Management: AI-powered computer vision can identify crop diseases and pests from images uploaded via smartphones. Platforms like PROMAGRIC's Clinicplant and the Plantix app provide instant diagnoses and treatment recommendations, helping farmers mitigate losses and reduce reliance on broad-spectrum pesticides. AI-driven weeding technologies are also emerging, promising reduced labour costs and chemical usage.
Supply Chain Optimization: AI helps streamline logistics by analyzing demand patterns and optimizing distribution routes, reducing post-harvest losses and connecting farmers more efficiently to markets.

Despite the promise, significant hurdles remain. High initial costs, limited digital literacy among farmers, patchy rural connectivity, and the need for robust data infrastructure (availability, quality, governance) hinder widespread adoption. Concerns around data privacy, algorithmic bias, and ethical use must also be proactively addressed. Building farmer-centric solutions, often delivered through trusted intermediaries and partnerships, is crucial for inclusive growth.

Case Studies: Insights from Recent Conferences

The dialogue around the future of agri-finance has been rich in recent gatherings. Let’s delve into voices and examples from key forums:

AFRACA 2022 – Digitizing Rural Finance: In May 2022, the African Rural & Agricultural Credit Association (AFRACA) hosted a landmark conference in Nairobi themed “Analyzing Features Shaping the Digital Future of Rural and Agricultural Finance”. This event convened banks, regulators, fintechs, agtech startups, and development partners from across Africa to share lessons. Success stories and pilots were presented, illuminating what’s working and what’s not. A key lesson was that sharing knowledge on what works yields significant benefits, given that best practices in agri-fintech are still emerging. AFRACA’s role in disseminating these learnings was highlighted as crucial for regulators and practitioners hungry for insights. For example, when Safaricom’s DigiFarm team shared their progress, they didn’t just boast of achievements; they also candidly noted challenges – low smartphone use by farmers, many fragmented value chains that make standardization hard, and limited data for credit scoring. This transparency allowed others to learn vicariously: one takeaway was that even highly resourced platforms like DigiFarm face “significant challenges” in scaling, and loan performance issues can limit expansion. In short, technology alone isn’t a magic bullet; on-ground support and iterative tweaking are needed. Other voices at AFRACA 2022 echoed similar themes. AGRA experts urged greater documentation of failed experiments (like certain agri e-commerce pilots that didn’t scale) so as not to repeat mistakes. Fintech leaders showcased tools: Arifu’s CEO shared how digital farmer education boosts product uptake, and Quipu demonstrated the power of BaaS by narrating the Ibero Uganda case. A representative from SunCulture presented on PayGo solar irrigation, including data showing farmers’ income gains. Finally, the conference stressed partnership: many solutions require blending finance, tech, and agricultural expertise. Development partners and donors were called on to continue supporting risk-sharing facilities to catalyze innovation. The consensus was that collaboration and data-sharing (within an enabling policy environment) will unlock the next stage of agri-finance growth.
FINAS 2024 & The Road to FINAS 2025:In March 2024, Nairobi hosted the inaugural Financing Agriculture Sustainably (FINAS) conference – a multi-sector forum backed by Kenya’s Ministry of Agriculture, FSD Kenya, AGRA, and others. FINAS 2024 convened policy makers, financiers, agtech innovators, and researchers to align on sustainable agri-food financing. From this summit emerged a strong call for a structured policy framework for agricultural financing, led by voices like Agriculture PS Kipronoh Ronoh. The government signaled its commitment by increasing agriculture financing and emphasizing public-private collaboration under the Bottom-Up Economic Transformation Agenda (BETA). The dialogue continued through pre-conference sessions leading up to FINAS 2025 (May 20-22, Nairobi), focusing on critical themes like developing a uniform loan classification taxonomy for better data and decision-making, de-risking investments, leveraging digital innovation, and exploring sustainable financing models like blended finance and green bonds. FINAS 2025, themed "Taking Ownership: Rethinking Sustainable Financing for Africa's Food Systems", aims to build on these conversations, aligning with the new CAADP 2026-2035 strategy and the Kampala Declaration. The summit will feature discussions, exhibitions, and awards recognizing excellence in areas like financial inclusion and innovative funding technologies.

Data, Platforms, and the Path to Scale

The synthesis of insights from the field suggests a roadmap for scaling agri-finance solutions across Africa:

Invest in Data and Digital Infrastructure:Data is the new oil in agri-finance. Usable data exists, but datasets are often incomplete. Governments, donors, and the private sector should collaborate to build shared data platforms – for instance, a “digital farmer profile” repository or credit database accessible (with consent) by lenders and insurers. Efforts to establish digital farmer IDs and credit information sharing for smallholders can reduce information asymmetry. Importantly, farmers should own their data. Innovative ideas like digital data lockers with blockchain-based certificates could allow farmers to control and share their credit or crop history with lenders securely. Such approaches empower farmers and improve lenders’ confidence. Additionally, continuing to expand rural mobile network coverage and smartphone access is vital to enable advanced digital services (apps for crop management, e-commerce, etc.).
Deploy De-risking Mechanisms at Scale: To overcome the high-risk perception, stakeholders need to roll out de-risking tools more widely. This means scaling up agri-insurance (with government support for premium subsidies or reinsurance facilities for catastrophic risks) and credit guarantee schemes that encourage banks to lend to agriculture. A promising development is the use of blended finance – for example, programs where philanthropic capital or government funds take a first loss in financing structures, thereby attracting commercial banks into the space. The FINAS 2025 dialogue emphasizes exploring blended financing, green bonds, and increased private sector participation to bridge funding gaps.
Leverage BaaS and B2B Platforms for Scale:Rather than each institution reinventing the wheel, banks and MFIs can piggyback on existing fintech platforms. A cooperative bank in a rural county can, for instance, use a white-labeled version of a well-tested loan app or integrate with an agritech marketplace to reach farmers. Platform solutions are searching for scalable business cases, and many are ready to partner. Safaricom’s DigiFarm, despite challenges, already offers an array of services that smaller players could tap into via partnerships. Similarly, fintech startups that have built scoring models for specific value chains could license their tech to banks. The goal is to create an ecosystem where various providers – agri-value chain companies, fintechs, banks, insurers, NGOs – contribute their piece (be it distribution, data, capital, or technology) on shared platforms. Banking-as-a-Service providers will be key enablers here, as they can quickly connect these pieces together in a secure and compliant manner.
Focus on Farmer-Centric Design and Literacy:Technology might be the driver, but human-centric design must remain at the core. Solutions should be co-created with farmers to ensure they address real needs (e.g. timing of loan disbursement to match planting season, or repayment schedules aligned with harvest cycles). The importance of local presence – “feet on the ground” – cannot be overstated. Fintechs should continue to work with agricultural extension officers, co-operatives, and village-based advisors to build trust and teach farmers how to use new services. Increasing financial literacy and tech-savvy among rural communities will pay dividends in higher uptake. Interactive SMS (like Arifu’s model) or IVR-based trainings, vernacular mobile apps, and even community demo farms for new tech can drive adoption. The voices from the field consistently remind us that listening to farmers is as important as the tech itself.
Policy and Regulatory Support:Finally, scaling these innovations requires an enabling environment. Policymakers in Kenya and Africa at large are starting to respond – Kenya’s development of a sustainable agricultural financing framework following FINAS 2024 is a case in point. The new CAADP strategy (2026-2035) and Kampala Declaration provide a continental framework emphasizing government leadership, partnership, and resource mobilization. Regulators should encourage prudent experimentation, for example by providing sandboxes for agri-fintech products. Policies that support agent banking, clarify digital lending rules, and promote open data will all help. Moreover, aligning agriculture and finance ministries on common goals (like increasing agri-lending, boosting output by 45%, reducing post-harvest loss by 50%, and tripling intra-African trade by 2035 as per the Kampala Declaration ) can provide a North Star for coordinated action. As one of FINAS 2024’s thematic areas indicated, government leadership and incentives are crucial for sustainably financing agriculture. Public-sector commitment – through funding R&D (like new seed varieties or fintech research), offering smart subsidies (for insurance or tech adoption), and recognizing top performers (awards for agri-finance innovation ) – will accelerate progress.

Key Takeaways and The Road Ahead

The future of agri-finance in Kenya and Africa will be shaped by a synergy of technology, partnerships, and enabling policy. Some key takeaways emerge from this exploration:

Collaboration is King: No single entity can crack the agri-finance puzzle alone. Banks, fintechs, agtech startups, insurers, co-operatives, and governments must collaborate. Sharing knowledge on what works (and what doesn’t) creates significant benefits. Forums like AFRACA and FINAS provide invaluable platforms for stakeholders to learn from each other and align efforts.
Technology as an Enabler (Not a Magic Bullet):Digital tools – mobile apps, data analytics, AI, IoT, blockchain – are transforming agri-finance, but they must be paired with real-world support. Technology can streamline processes and lower costs, yet success still often depends on “boots on the ground” to drive adoption. The human element in trust-building, training, and customer service remains vital.
Data-Driven Finance and De-Risking are Game Changers:Data is the new currency of agri-finance. Better data (from farm sensors to satellite imagery to mobile transactions) enables risk and cost reduction for lenders. Combining this with de-risking instruments like insurance and guarantees can change the business case of lending to smallholders. The challenge ahead is turning vast data into usable insights and credit products – a path that requires innovation in data analytics and respect for data ownership by farmers.
Platforms and Scalability: We are entering the era of platforms in agricultural finance. Whether it’s DigiFarm bundling end-to-end farmer services or BaaS platforms connecting banks to fintech innovations, platform solutions are searching for scalable business cases. Those who crack the code of scaling (through clever partnerships and focusing on real farmer needs) will lead the industry. The expansion of PayGo models and value-chain finance indicates that financing can piggyback on existing customer relationships (like those between input suppliers and farmers or off-takers and growers). Scalability will also come from tapping wholesale financing – for example, big investors funding pools of digitized smallholder loans, a trend just beginning to unfold.
Policy and Ecosystem Support Matter:A conducive environment – policies, infrastructure, and market incentives – underpins all the above. The push for a sustainable agriculture financing policy in Kenya following FINAS 2024 shows positive momentum. The CAADP Kampala Declaration provides a continental vision. Policymakers should continue to engage industry voices to remove bottlenecks (like simplifying know-your-customer rules for small accounts or investing in rural internet). An ecosystem approach, aligning goals of ministries, central banks, telecom regulators, and agriculture bodies, will provide the foundation on which fintech innovations can thrive.

Voices from the field are clear: the future of agri-finance will be built on inclusive innovation, prudent risk-taking, and empathy for the farmer’s journey. Stakeholders in fintech, banking, and agribusiness have a shared opportunity to rewrite the playbook for financing Africa’s agriculture. With collaboration, the next decade could witness millions of small farmers graduating from subsistence to thriving agri-entrepreneurs, powered by digital finance, data, and AI. The work has begun – in the villages where farmers tap on smartphones for loans, in startup hubs where coding meets ploughing, and in boardrooms where policies are being reimagined.

The upcoming FINAS 2025 summit offers a critical platform to sustain the momentum, scale what works, and keep the conversation between tech and agriculture flowing. By doing so, Kenya and its African peers can ensure that the agri-finance of the future leaves no farmer behind, securing food systems and livelihoods for generations to come, in line with the ambitious goals set forth in the Kampala Declaration.

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