For the past four years, UNCDF has been stimulating private sector engagement in rural areas of Uganda through digital bulk payment projects across five agricultural value chains: coffee, dairy, maize, seed oil and tea. In-depth research and active collaboration with stakeholders in these value chains have yielded important insights about the financial behaviours and preferences of smallholder farmers, the challenges that agribusinesses face, and the lessons learned and recommendations that emerged from implementing digitized bulk payment solutions… Our Value Chain and DFS Expert Stephen Waisa explains how processes need to be digitized before the actual payment.