ACCESS TO MOBILE PHONES AND USE OF DIGITAL FINANCIAL TOOLS | 75 lies in Œan—ania used mobile money in the study period­ ˜o smallholder house- holds in either the –o—ambiue or aistan sample used mobile money at all­ ”onsidering the potential of DFS to sere smallholder households in areas that traditional bricƒ-and-mortar FS‚s hae failed to reach, DFS remain important tools to e‡plore and e‡pand for purposes of financial inclusion, and they must be carefully targeted to each customer profile ‰igital savings and credit products could provide more compelling use cases than payments, as many households in the sample laced access to even informal financial ser- vices, such as savings groups­ ˆdditionally, some smallholders may be well- served by digital payment services that facilitate transactions such as bill payments and school fee payments (i­e­, person-to-business ¬‘£® and person- to-government ¬‘‡® payments), though smallholders may prefer ¦Œ† pay- ment methods over self-initiated mobile transactions from their own wallet­