Digitalization Of Cocoa Value Chain Payments In Ghana

This project explores the potential of digitizing cocoa payments in Ghana through a system that integrates mobile money and biometric cards, in partnership with COCOBOD and licensed buying companies. The initiative aims to address delays, security risks, and inefficiencies associated with cash-based transactions in the cocoa value chain. By testing digital payment solutions, the research seeks to understand how digitization can improve payment efficiency, enhance farmer welfare, and promote financial inclusion. Insights from this work will inform the design of a randomized evaluation to assess the broader impacts of digital payments on productivity and livelihoods in the agricultural sector.