How has digitization impacted people's use of services such as payments, remittances, savings and credit? The DiFF project is collecting information on impact in three ways: through a systematic literature review, by interviewing farmers and by interviewing stakeholders.

Our recent qualitative fieldwork in Laos and Cambdia showed very different results in the two countries. In Laos, many farmers were using digital financial services, but in Cambodia they were not. Why the difference?