Financial inclusion has become a global priority for enhancing economic growth and reducing poverty, especially in developing countries. Integrating e-commerce into agricultural technology (Agrotech) presents transformative opportunities to improve access to financial services for farmers, agribusinesses, and rural populations. E-commerce platforms, which combine digital marketplaces, mobile payments, and innovative financial products, play a pivotal role in bridging the gap between rural communities and financial ecosystems. By enabling smallholder farmers to connect directly with consumers and financial institutions, these platforms foster increased market participation, reduce transaction costs, and enhance income stability. Furthermore, fintech innovations linked with e-commerce promote alternative credit scoring systems, crop insurance products, and mobile-based microloans, broadening financial opportunities for traditionally unbanked populations. This paper reviews the impact of these platforms on financial inclusion within Agrotech, delving into how they drive economic participation while overcoming systemic barriers. We explore current challenges—such as digital literacy, infrastructure deficits, and regulatory frameworks—and offer insights into potential policy and technological strategies that can advance this sector. By synthesizing case studies and recent innovations, this review underscores the transformative potential of Agrotech in promoting equitable economic growth and reducing financial exclusion in rural economies. Financial inclusion has become a global priority for enhancing economic growth and reducing poverty, especially in developing countries. Integrating e-commerce into agricultural technology (Agrotech) presents transformative opportunities to improve access to financial services for farmers, agribusinesses, and rural populations. This paper reviews the impact of e-commerce platforms on financial inclusion in Agrotech, exploring the mechanisms through which digital marketplaces, mobile payments, and innovative financial products promote economic participation. We analyze challenges, opportunities, and future directions in this rapidly evolving sector.
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