The new expansion of cell phones in country Africa has likewise prompted expanded revenue in portable monetary administrations (MFS), like versatile cash and versatile banking. Such administrations are many times depicted as promising apparatuses to work on rural money, particularly among smallholders who are normally underserved by customary banks. Nonetheless, observational proof on the genuine utilization of MFS for agrarian exercises is slim. Here, we utilize broadly delegate information from Kenya to examine the utilization of versatile installments, portable reserve funds, and portable credit among the cultivating populace. We find that over 80% of ranchers utilize versatile cash, however just 15% utilize this development for horticulture related installments. Portable advances for agrarian ventures are utilized by under 1% of ranchers. Use rates are fairly higher among ranchers in present day supply chains, despite the fact that for them customary financial administrations are frequently likewise open regardless significantly more significant. By and large, the utilization of MFS for horticulture is lower than generally expected, showing that these administrations don't yet ground breakingly affect smallholder cultivating. As Kenya is one of the heads of the MFS blast in Africa, this general tracking down probably holds for other African nations too.