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F. O. Ajayi

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Open access Sep 2026

Socio-Economic Determinants and Impact of Utilising Digital Financial Services Among Cocoa Farmers in Ondo State, Nigeria

Digital Financial Services [DFS] are increasingly promoted as a pathway to enhance financial inclusion and improve the livelihoods of smallholder farmers. Despite this, there is limited empirical evidence on their utilisation in cocoa-producing communities in Nigeria. This study therefore examined the socio-economic de...

F. O. Ajayi, Latifat Olawumi Adebisi, A. Alabi et al. · 0 citations

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