This study examines the adoption patterns and variation across age groups of Tissue Culture Banana (TCB) technology among smallholder farmers in Meru County, Kenya, highlighting generational differences and key policy implications. The study is grounded on theoretical frameworks of adoption such as the Unified Theory of Acceptance and Use of Technology (UTAUT) and Rogers’ Diffusion of Innovations, which emphasize perceived utility, facilitating conditions, and observable results. While TCB technology offers significant agronomic and economic benefits through early maturity, higher yields, and uniform growth, its adoption is predominantly concentrated among older farmers. Younger more educated farmers, show limited uptake due to multiple constraints, including high input costs, land scarcity, lack of credit access, risk aversion, and misinformation—particularly the belief that TCB is genetically modified. The findings reveal that TCB adoption and income expansion are significantly influenced by factors such as farm size, productivity, number of extension visits, household size, education level, credit access, market proximity, and perceived profitability. To bridge the adoption gap and promote inclusive agricultural growth, the study recommends a set of integrated policy actions. These include youth-targeted agribusiness incubation programs, input subsidies, tailored credit schemes, expanded extension services, improved market linkages, and awareness campaigns to counter misinformation about TCB. Additionally, supporting research and continuous monitoring will ensure adaptive, evidence-based interventions. By implementing these policy options, stakeholders can enhance TCB adoption across generational lines, positioning the crop as a sustainable, high-return, and climate-resilient option for smallholder farmers and contributing to broader rural transformation