I would like to say that in any initiative, new challenges usually emerge and requires that they are adressed as they come.For the case of M-pesa in kenya,people who are illeterat e still use the service of sending and receiving money.When they receive money ,the senders usually call them to inform them that they have send a given amount to them. They then look for mobile operation agent whom they trust would not cheat them.In the case of farmers.Services given to farmers can be having accounts to accomodate the unbanked population as well as making transations easier as they can make order of inputs using the mobile service