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Mastercard 2KUZE platform to Digitize East Africa’s Agricultural Sector


Mastercard has launched a digital platform aimed at connecting smallholder farmers, agents, buyers and banks in the East African region. Known as 2KUZE, the platform will enable farmers to buy, sell and receive payments for agricultural goods via their feature phones.  

The platform according to Mastercard, brings the benefits and security of mobile commerce and payments to farmers in Kenya, Uganda, and Tanzania.

2KUZE was developed at the Mastercard Lab for Financial Inclusion in Nairobi, which was set up in 2015 to develop practical and cost-effective financial tools that expand access and help build stable futures for more than 100 million people globally. Through a $11 million grant from the Bill & Melinda Gates Foundation, the Lab is working with East African entrepreneurs, governments, and other stakeholders to develop local products rooted in the company’s global knowhow.

In the initial pilot, 2KUZE is being launched in partnership with Cafédirect Producers Foundation, a non-profit organization working with 300,000 smallholder farmers globally. Currently, 2,000 small-scale farmers in Nandi Hills, Kenya are currently using the solution to sell their produce and working with farmer-friendly agents to ensure they reach the right buyers for the best price.

“Eighty percent of farmers in Africa are classified as smallholder farmers having less than 1-2 acres of farming land, making it extremely difficult to drive growth and prosperity within this community, ” said Daniel Monehin, Division President for Sub-Saharan Africa and head of financial inclusion for International Markets at Mastercard.

“We believe that by using mobile, a technology that is so ubiquitous among farmers in Africa, we can improve financial access, bring in operational efficiency and facilitate faster payments. “The collaboration between the Lab team and farmers in the market helped to deliver a solution that can be implemented and make an impact without any major changes to the day-to-day.”

2KUZE is expected to make transacting much safer and simpler for all stakeholders in the agricultural supply chain – the farmer, the buyer, and the agent. Farmers using 2KUZE can conduct the entire transaction of selling produce and receiving payments via their feature phones, without having to walk for hours to the markets. This enables farmers to capture a greater percentage of the wholesale value of their goods by providing price transparency, more direct access to buyers and empowerment of farmer-friendly agents.

Digitizing these transactions in a trusted, auditable environment provides a legitimate financial footprint, opening up access to loans and other financial services, and also introducing a more efficient process that benefits the entire value chain, as well as the overall economy.

Mastercard Lab said it is also exploring the potential for 2KUZE to help farming communities receive the right level of investment and to encourage more efficient ways of doing business with smallholder farmers.

2KUZE is one of the several broad-based collaborations on which the Mastercard Lab for Financial Inclusion is working. The Lab was established in Africa to contribute to the company’s global commitment to connect 500 million people to formal financial services through the use of public-private partnerships with governments, the private sector, and non-governmental organizations.

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