Village Link and Maha Agriculture Public Co. Ltd. (a Microfinance Company) have worked together to pilot integrate digital financial services (DFS) which starts with payment services and financial literacy into Htwettoe mobile application for Maha’s customer base of smallholder farmers, MSMEs and women vendors. The project aims to provide digital service to 5,000 Maha’s borrowers which help to lower borrowing cost at the same time, farmers gained understanding about financial management skills, including risk management and insurance concept.