The Technical Centre for Agricultural and Rural Cooperation (CTA) is a joint international institution of the African, Caribbean and Pacific (ACP) Group of States and the European Union (EU). Their mission is to advance food security, resilience and inclusive economic growth in Africa, the Caribbean and the Pacific through innovations in sustainable agriculture. I designed this discussion paper that assesses the financial behaviour of cassava farmers and the implications of digital payments in Ghana and Nigeria. I lightened the text-heavy report by using colourful and appealing graphical charts and diagrams.