Kenya; recognized as a leader in digital financial services (DFS) within Africa; is at a pivotal juncture in its pursuit of inclusive financial growth. Despite notable progress in digital technology infrastructure; the inclusion of smallholder farmers into the DFS landscape presents both challenges and an opportunity. This white paper is conceived as part of the World Bank's initiative that seeks to bridge these gaps and harness digital technologies for the empowerment of the farming community. The aim is to enhance productivity; profitability; and resilience among farmers by improving access to financial services. Moreover; given the agricultural sector's substantial contribution to Kenya's GDP and employment highlights; there is an urgent need to integrate these farmers into the digital financial ecosystem.