Solutions for Agri Business

The 4M Platform enables innovative digital finance solutions in the agri business sector. As it facilitates streamlined processes for distribution, collection, and payment between agri sector stakeholders, it improves cost-efficiency, security and reliability, and reduces cost, risk and time to money for all stakeholders.

4M provides a powerful and flexible toolbox for innovative agri business solutions

All stakeholders in the agri business sector have specific needs and specific opportunities to improve their businesses. 4M Consolidated Payment Gateway can facilitate payments for goods and services from a broad range of payment instruments. This enables actors in the agri supply chain to receive payments from multiple payment instruments. They include mobile banking, mobile money, card payments and vouchers.

4M eSwitch can facilitate exchange of services between stakeholders in a network. This includes the bundling of insurance products with micro-finance loans. Hereby two services from two service providers are delivered in one process. Reewire then facilitates the share and compensation of the two parties as well as the payment from the loan taker.

Better access to financial services for farmers

Farmers can benefit from better access to finance, insurance, and risk mitigation. They also benefit from streamlined procurement process and management of inputs, such as seeds, fertilizer and pesticides. Access to financial and value-added services helps farmers improve their livelihood, build savings, and grow a sustainable economy.

Streamlining and increased reach for financial institutions

Banks and micro-finance institutions that are specialized in agricultural lending, can benefit from expanding their agri business lending and performance. Through broader reach and increased transactional volume with reduced risk, such financial institutions can achieve better control and improve communication with their borrowers. Meanwhile, additional value-added services can provide new revenue streams.

Banks can facilitate financial transactions between their customers (the farmers) and the supply chain actors. These actors may benefit from streamlined collection of payments with less dependency on cash and therefore less risk. And they can get access to market information for more accurate forecasts and optimized planning, which in turn enables improved operational margins and profit.