This project seeks a qualified firm to conduct an in-depth study on enhancing access to digital financial services (DFS) for smallholder farmers in Kenya. Although Kenya is a leader in digital financial services within Africa; integrating rural farmers into this digital ecosystem presents both challenges and opportunities. Building on existing research; including studies by the World Bank; CGAP; and the IFC that have explored DFS adoption and the impact of mobile money in rural areas; this study aims to deliver a more focused analysis specifically tailored to the agricultural sector. It will address the unique needs of smallholder farmers by examining the DFS landscape; identifying relevant technologies and providers; and making strategic recommendations for fostering financial inclusion; with a strong emphasis on gender and age-specific considerations within farming communities.The study’s scope includes a comprehensive review of Kenya's regulatory frameworks; market demand; and DFS adoption barriers for smallholder farmers. Additionally; it involves a detailed ecosystem mapping of key actors—such as financial institutions; technology providers; and other stakeholders—to promote a holistic approach to expanding DFS access. Deliverables will include an inception report; a white paper; and a range of communications outputs aimed at informing and influencing key stakeholders. By building on prior research; this project aims to provide actionable; practical strategies to enhance collaboration between the World Bank; Kenya’s Ministry of Agriculture; and other partners. The project is slated for completion by the end of December 2024.