11th & 12th Feb 2026
Across Africa, the farmer credit gap exceeds USD 65 billion, a barrier that has long kept millions of smallholders from scaling their productivity and profitability. But a quiet revolution is underway: Agri-Fintech is redefining how farmers access finance.
By blending mobile banking, AI-driven risk assessment, and blockchain-backed traceability, startups are transforming farm-level data into bankable profiles.
Kenya's Apollo Agriculture and Nigeria's ThriveAgric are prime examples offering instant loans, input financing, and insurance directly through mobile platforms.
In Ghana, digital lenders like Farmerline are providing weather-linked insurance and credit scorecards based on yield data, while Rwanda's Tap&Go Agro integrates payment systems that allow farmers to transact and build financial history seamlessly.
The result? According to Allied Market Research, Africa's Agri-Fintech ecosystem is expected to surpass USD 6.5 billion by 2030, with mobile-based lending and microinsurance driving the largest share of growth.zones.
As mobile penetration nears 90% in Sub-Saharan Africa, these digital solutions are unlocking productivity, trust, and liquidity across the agricultural value chain. Bridging a decades-old credit gap and positioning Africa's farmers for scalable, data-backed growth.