The emergence of online retailers and platforms, such as E Bay, Amazon and Alibaba, have transformed the retail industry and changed consumers’ behaviours. E-commerce platforms has the potential to reduce transaction costs and create direct links between producers and consumers, providing small and medium enterprises (SMEs) with access to new markets. Mobile and digital technologies also have the potential to reduce the costs of financial transactions, e.g. on remittances, and open up banking services to new groups of people. Another area, which can greatly benefit from digitalisation, is agriculture.