Assessing the Levels of Mobile Financial Technology Adoption Among Small-Scale Farmers in Zambia

This study examined the extent to which small-scale farmers in Zambia adopt Mobile Financial Technologies (MFTs). Data collected from 117 farmers drawn from Eastern, Southern, and Central Provinces of Zambia using a multistage random sampling approach. The study employed Quantitative analysis to access the level of adoption and factors driving adoption, using descriptive statistics and binary logistic regression model based on the extended UTAUT2 framework. Descriptive results revealed that land ownership is still mostly controlled by men, while most sampled farmers have low literacy levels and operate on land holdings smaller than two hectares, indicating vulnerability to cash flow shocks, low investment capacity, and continued dependence on informal financial systems. The logistic regression results shows that performance expectancy (OR=1.97, p