Authors : Yere Apobe Innocent; Nkwembe Unsital Guy-Bernard; Ngandu Merveilleux; Sambu Christian-Joseph; Glody Simisi Kimenika

Volume/Issue : Volume 11 - 2026, Issue 3 - March

Google Scholar : https://tinyurl.com/45wbcdrk

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DOI : https://doi.org/10.38124/ijisrt/26mar1897

Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.

Abstract : In a context characterized by limited financial inclusion and structural constraints in access to credit within the agricultural sector, the integration of mobile payment solutions represents a strategic lever for financing agricultural value chains in the Democratic Republic of Congo. Between 2023 and 2025, the digitalization of financial services has increasingly emerged as a key tool for improving transaction efficiency, enhancing financial traceability, and facilitating access to financial services for rural actors. This study aims to analyze the role of mobile payment solutions in financing agricultural value chains in the DRC over the period 2023–2025. Using a methodological approach that combines documentary analysis and a review of sectoral practices, the study examines the mechanisms of mobile payment integration, their contribution to financial inclusion, and their impact on access to financing for smallholder farmers, aggregators, and financial institutions. The findings reveal that mobile payments significantly improve access to financial services, particularly through enhanced transaction security, reduced intermediation costs, and decreased information asymmetries. However, their effectiveness remains constrained by structural challenges such as inadequate digital infrastructure, low levels of financial literacy, and regulatory limitations. Therefore, strengthening the digital ecosystem, improving payment system interoperability, and adapting public policies are essential conditions for the effective integration of mobile payments into agricultural financing in the DRC.

Keywords : Mobile Payments; Agricultural Value Chains; Financial Inclusion; Digitalization.

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