Today, these farmers have bank account with a debit card and everyone holds a mobile phone (a basic one).

1. Can something be worked out of this or do you thing the additional device (be it a simple android device) is essential .

@benson Most of them do not engage in on-line banking, they use banks to get paid, ATMs to withdraw and Paper cash to spend.
And Banking regulations don't seem to affect farmers much. I think the idea of a "community center" will lead to something similar to a co-operative bank.