Vocoa has developed a voice-based bookkeeping application for smallholder cocoa farmers. It serves as a business tool to enable famers keep track of their businesses and income, set profit goals, receive business tips and receive relevant financial insights, using an intuitive and familiar voice interface accessible in their local languages. Vocoa collects data on the farmers’ expenditure and revenue to monitor cash flow and provide insights on how to maximise profit. Cash flow is monitored to gather Financial records which will serve as future reference in respect to loan applications for farmers.