Financial Technologies for Sustainable Agriculture in Developing Countries
摘要
Financial technologies (fintech) play a key role in promoting sustainable agriculture, especially in developing countries where farmers face a range of financial and organizational challenges. This article examines how innovative fintech solutions can help overcome barriers such as limited access to credit and insurance products, income instability, vulnerability to climate risks, and low efficiency of traditional supply chains. The article focuses on the use of digital platforms, mobile payment systems, blockchain technologies, and artificial intelligence-based solutions. Examples of successful projects are given that provide farmers with access to microfinance, automate processes using smart contracts, and increase supply chain transparency. The possibilities of scaling these solutions to maximize coverage of farming communities are considered. The article emphasizes the need for collaboration between governments, international organizations, and the private sector to address key barriers to implementation, including low levels of digital literacy and weak infrastructure. The role of regulatory mechanisms in supporting innovations and creating a favorable environment for their dissemination is emphasized. It has been shown that financial technologies can become a powerful driver of sustainable agricultural development, contributing to increased productivity, financial inclusion and food security in the face of global challenges.