1. The document discusses alternative payment options for farmers in Kenya, including mobile payments through M-Pesa, credit options, and proposed "milk currency" tied to a farmer's mobile phone. 2. It proposes a system that would allow farmers to immediately access the value of milk deliveries through a "Maziwa card" tied to their mobile, allowing them to make purchases from merchants in the ecosystem. 3. Bringing together banks, Saccos, suppliers, schools and more on a common platform could provide farmers financing options, traceability of amounts, and access to inputs while increasing business for suppliers. Mobipay's role would be providing the technology to integrate all players

1. M payments And Other Alternative Payment ChannelsFelix Musau

2. Definitions Mobile Payments : M-payment (mobile payment) is a point-of-sale payment made through a mobile device, such as a cell phone . Alternative Payments : Are any other non phone and cash alternatives such as card . The Farmer = The Boss

3. Our PERSPECTIVE Farmer Centric “ The Boss”

4. The Mind of the Farmer ( The Boss)

5. Several Issues Face the FarmerCash is King

6. Value Chain

7. The Dream : Milk Currency Farmer gets his value at the point of delivery. Value is imputed to his Maziwa card which is tied to his mobile. Merchants signup to ecosystem to be able to accept this value Value is immediately available to the entire supply chain.

8. Farmer Payments Any Payment Method MPESA, ZAP, YU, Sacco Acct

9. The Goal: Bring the Players Together Bank Sacco / Cooperatives Health Providers Insurance Schools Agricultural product/ Service Suppliers

10. Instant CASH Instant Loans On Deliveries

11. Who will finance this ? ( Options) Sacco Supplier Finance ( Guaranteed Credit) Bank MFI Peer to Peer Market Place

12. A Win-Win Situation for EveryOne Farmer gets the benefits of traceablity. Amounts can be controlled. More financing options opens for the farmer once he get into the formal channels. Farmer can meet his daily household needs as well as have access to good quality cow inputs ( food, medicine Etc)

13. The Product and Service Providers Increased business as more farmers spend on good quality inputs. Benefit from Electronic Records To the Processor Improved Cashflows as the farmer does not have to keep pushing for his payment.

14. Critical Success Factors You And I

15. Where do We Come in ? Mobipay is the Glue that puts this all together, By providing the necessary technology linkages, Integrations that tie up all the players in sector.

16. Who Are We ? Proudly Kenyan company with the vision of facilitating Trade and Commerce in Africa through innovation in the provision of financial services. Mobipay has been contracted by Agritrace to provide mobile transaction solutions to the Diary industry.

17. THANK YOU Felix@mobipay.co.ke