SmartRisk is a predictive and prescriptive solution for risk monitoring, mitigation and forecasting intelligence. The AI and machine learning based platform detects cropping patterns and predicts the future of the crop, thus highlighting the associated risk and opportunity for agri-stakeholders. Businesses can achieve farm-level crop detection and yield prediction through the SmartRisk capabilities that can also establish historical performance of every pixel at farm/postcode/state/country level by utilizing easy-to-use Connector APIs.

Capability and features

CropIn’s solutions are powered by proprietary algorithms built on ground data, satellite imagery and weather data, which are used to provide insights at farm and region level. The results are accurate, reliable, and highly predictable.

SmartRisk can improve the loan collection process, optimize the loan disbursement process, pre-emptively assess NPA, perform crop growth analysis to monitor risk in real time and expand lending portfolios to new regions with higher confidence. This is valuable for banks, NBFCs, microfinance institutions, insurance companies, government bodies, commodity traders and sourcing managers.

Lenders can detect cropping patterns, monitor the health of standing crop, estimate crop yield, and also establish the historical performance of a farm/plot. SmartRisk thus makes loan disbursement processes more streamlined, in addition to providing lenders with event triggers on a farmer/plot level.

Governments can take advantage of SmartRisk’s capability to efficiently predict crop yield in a given location for multiple types of crops to achieve varied objectives such as study of a crop’s productivity, nationwide yield estimation, planning and implementation of policies, and accurate payment of crop insurance claims among others.

CropIn largely works on a B2B model, catering to farming companies that employ farmers in large numbers. Through this, CropIn has been able to effectively digitize over 3.1 million acres of farmland within a short span of time.

Progress to date

CropIn’s platform has impacted over 2.1 million farmers worldwide.

SmartRisk’s proprietary ML algorithms enabled one of the world’s largest retailers to source high-quality grapes from farms at close proximity, thereby effectively cutting down expense incurred due to logistics and operational hassles.

A globally renowned beverage company leveraged SmartRisk’s intelligent crop detection capabilities to detect high-growth sorghum farms in order to set-up warehousing and processing centers in Nigeria.

Upcoming initiatives include: identification of stress and crop stages, expansion of CropIn’s reach in Southeast Asia, accurate detection of more crops, along with their health & yield estimates.



HUB is a digital platform that collects, manages and shares data on smallholder farmers to expand their access to the agricultural value chain, by leveraging satellite data and AI. HUB’s software solutions are designed to be ‘plug and play’; they can be connected to customer’s management information systems through APIs (application program interface).  Once clients have the software, which includes mobile data collection, credit risk scoring and farmland monitoring, they can also access the remote sensing data which provides information on the crop activity of individual farms.

Capability and features

The HUB Digital Platform includes an Agri-Lending Suite which has a mobile data collection app, credit scoring system and farmland monitoring dashboard which all incorporate Harvesting’s remote sensing and AI technology to deliver actionable insight on smallholder farmers. By using the Agri-Lending Suite, lenders can expand their market to include borrowers without a credit history while improving the efficiency and cost-effectiveness of their lending operations.

Cooperatives and other aggregators of smallholder farmers can use different aspects of the HUB including farmland monitoring, credit assessment farmer management, training management, communication with farmers, and buyer and supplier management.

By digitizing and improving the data and farmer management capabilities of cooperatives, HUB can help cooperatives become more productive and efficient, helping to assure their sustainability as well as that of their members and other providers in the value chain.

Input manufacturers that provide credit to smallholder farmers can use HUB’s agri-lending suite, farmer management, and farmer communication features to better identify, assess and monitor customers purchasing inputs on credit. They can expand their market by cost-effectively identifying, assessing and monitoring potential customers who need financing to purchase supplies.

Progress to date

Harvesting and the HUB Digital Platform has empowered over 5,000 farmers, giving them actionable insight on crop activity and connecting them to other providers in the agriculture value chain.

Harvesting are working with CGAP (WorldBank) on a funded pilot project with Pride Uganda that resulted in the country’s first credit risk scoring system. FMO, the Dutch development bank, is helping to fund a pilot project with Maha MFI in Myanmar. ILO funded a pilot study in India. Mercy Corps Social Ventures recently became an investor to help the development and deployment of the HUB worldwide.



Ricult improves the lives of smallholder farmers in Thailand through a data-driven mobile platform that helps farmers improve farming productivity and reduce cost, resulting in higher income. Leveraging machine learning to model weather forecast, soil data, and satellite imagery, Ricult provides data-driven recommendations and insights to farmers to make the best possible farming decision to increase their income. Ricult technology has been shown to

increase the farmers’ income by over 50% in Thailand. Their model is sustainable and impactful, making the app free for farmers, while using the data to empower different stakeholders such as banks to create farmers credit score and agricultural mills for supply chain monitoring.

Capability and features

Through a smartphone app, farmers can get access to key farming information such as rainfall, temperature, humidity, and sunlight forecasts. Satellite imagery to helps farmers scout for problem in the field , while social forums/chat allows farmers to ask farming/pricing questions of agronomists and other farmers.

Extension workers use the Ricult dashboard and management system to manage and monitor farmers and keep track of farmers’ data. They also receive agronomic tips & weather forecast that can be passed on to farmers.

Lenders benefit from the risk monitoring and credit score features, based on the data that farmers input and weather forecast that can have huge effect on potential crop yield. This helps lenders identify a farmers’ ability to repay a loan, as well as seeing an aggregated overview of the farmers in the portfolio. Once high risk farmers are identified, field agents can be sent to offer assistance.

Progress to date

Ricult has been awarded the best Agricultural Tech in Thailand by the Royal Thai Government,

been named the best Social Enterprise in Southeast Asia and Oceania in the Global Social Venture Competition, won the Fintech Disrupt Challenge organized by Bill & Melinda Gates Foundation, and awarded Innovative Agribusiness by United Nations Industrial Developmental Organization.

Over 10,000 farmers have used the platform, and Ricult has partnerships with large banks, telecommunications companies, and a range of large agricultural institutions.

Ricult’s next step is to open the platform to all of Thailand and Pakistan.



Saillog utilizes artificial intelligence and computer vision algorithms for remote crop disease and pest management. Saillog developed Agrio, a smartphone app that enhances biosecurity for farmers. The Agrio smartphone app provides guidance on integrated pest management, surveillances the spread of pests and diseases, dispatches warning alerts for impending infestations in affected areas and high risk zones, and enables communication between farmers and agriculture experts.

Capability and features

Agrio is a mobile application that uses a deep learning-based computer vision algorithm that surpasses human capability and integrates the knowledge of numerous experts. Agrio’s basic system feature is free and identifies crop diseases, pests, nutritional deficiencies, and abiotic stresses and provides treatment suggestions across multiple methods (i.e., biological, cultural, organic, and chemical). Users can opt to submit their images to a forum where they communicate directly with in-house agricultural experts for additional guidance. Agrio provides farmers with quality precision agriculture and supplements the lack of agriculture extension experts worldwide.

Within Agrio, users can subscribe to AgrioShield, which is the first artificially intelligent global alert system that generates warning alerts to farmers and inspectors based on geographical spread and forecasting models. AgrioShield is offered on a sliding scale depending on the income of the nation.

Saillog also has a B2G model that provides governments and nonprofits access to a macro-level dashboard solution. The dashboard solution improves productivity, prioritizes inspections, tracks the spread of diseases and pests, increases agriculture yields through reductions in pre-harvest losses, and supplies adjunct evidences for risk assessment.

Progress to date

Agrio has accumulated over 80,000 downloads organically. The smartphone application supports 15 languages and has diagnosed over 400,000 images through its artificial intelligence algorithms. Saillog won the Roddenberry Catalyst Fund, along with other prizes and grants. Saillog was a first-responder in the fall armyworm outbreak in India; the algorithms detected the infestation and the artificially intelligent global alert system sent notifications (with written preventative measures) to farmers in infected areas and high risk zones.

Saillog is developing a speech-to-text solution (with translation capabilities) that will enable interactions between users and agriculture experts through voice and video for those who are unable to read or write. 




Grameen Foundation developed FarmerLink, which uses digital technology and field agents to provide farmers with complimentary resources. These include agricultural training via tablets or mobile phones, connections to high-value markets, support for organic certification, early warning alerts for extreme weather and pests, training in financial management and access to finance. The same tool is used across each stage by each partner, so people can see what the farmers need, allowing for better assistance.

Capability and features

Farmerlink geotags farmers and registers their location, allowing them to become part of the early warning system. This triangulates data from the ground to create extreme weather alerts and pest detection, allowing them to mitigate and prepare for these issues in advance. The SMS system is also used to provide advice every two weeks.

Extension workers use Farmerlink to assist with farmer profiling and monitoring their adoption of farm management plans. This transparency makes it easier to give recommendations, which in turn lead to better practices and higher incomes.

Government are able to monitor their own programs and beneficiaries, and use FarmerLink as an early warning system for pests and diseases.

Lenders have access to farmer profiles, dashboards, grouping of farmers, and can monitor their own  programs. Lenders can leverage data from other extension workers (such as government and buyers), and are able to better understand their customers.

Progress to date

FarmerLink has reached over 27,500 farmers with their SMS-based agriculture extension service and early warning system, with 70% of the farmers finding the system to be very influential to their farm practices. Partners also saw favourable outcomes in operational efficiency with the introduction of digital tools in the farm inspection processes for certification. A 62% time reduction was gained in the process which meant field inspectors can double farmer visits with the mobile tools compared to current operations.

The Philippine Coconut Authority and Grameen Foundation are in talks to develop a plan to extend the use of FarmerLink more widely in the country. People’s Bank of Caraga continues to use the Farmerlink tool to support their lending operations to coconut and cacao farmers.



8Villages have a suite of services that benefit smallholder farmers, including Datahub, LISA, KASA and RegoPantes.

LISA is an SMS and online based village information service that enables farmers to join in their agricultural communities. Farmers often do not benefit from transparency or know the best practices needed to use agri business products in efficient and effective ways. LISA solves these problems across multiple dimensions. It can engage directly with any farmer by android application, so they can ask questions real time. Farmers can get closer to the modernization, they can selling their products at fair price and they can live more prosperously.

LISA’s field force solutions help companies develop better surveys, leading to insightful learning from the field which can increasing farmer productivity while improving the company’s profitability.

Progress To Date

8Villages has engaged over 120,000 farmers to date, and has partnerships with Mercy Corps Indonesia, Telco (Telkomsel), Agriculture University, Ministry of Trade and BMKG.

The team are working with ministry of information to reach 1 million farmers in Indonesia.





Farmapp is an integrated pest and disease management platform for crops. It combines information from different technological modules such as geo-referenced scouting and spraying apps, soil sensors, and weather stations. Once the information is processed and analysed, it is delivered back to the farmers via email, SMS, and access through the business intelligence platform. This information is used to plan biological controls, analyse and program the spraying of a particular product, monitor the incidence of pests and diseases, and automating greenhouses. The platform is mostly used for protected cropping (greenhouses) and is currently implemented in over 1,500 greenhouses around the world.

Capability and features

Farmers can simplify these processes through the easy to use mobile application. Recording data is easy and more efficient than using traditional methods such as paper, and farmers benefit from satellite maps, soil sensors and weather stations. Farmers can also track the routes and speed of movement of crop sprayers, in order to optimize the quantity of the product supplied and to control the application of agrochemicals and fertilizers in the field. This module significantly reduces the use of agrochemicals and fertilizers in the crop.

Input Retailers have access to real-time user metrics, giving them a better understand of customer needs and empowering them to sell more appropriate products.

Progress to date

Farmapp operates in three continents, with over 80 farms using Farmapp as part of their daily activities. Customers are currently experiencing 20% reductions in plant losses and savings 20% on labour costs.

Farmapp is developing a virtual 24/7 agronomist to support growers with weather, pest and disease management, as well as an interactive school programs that making use of technologies that students use on a daily basis.

The team are currently working on a new “Pesticides Free/Minimal Use Certificate” that will be used by companies, government and customers to get a unique and trusted source of truth about the provenance and practices used to produce the products. The platform allows Farmapp to generate real-time and secure reports that will transform the way people buy food at supermarkets.

Weather Index Based Insurance for Smallholders


Syngenta Foundation for Sustainable Agriculture (SFSA) under its Agricultural Insurance Solutions (AIS) division, offers weather based insurance, to helps growers protect their investment in quality inputs, repay loans even if bad weather damages their crops, and replant at once when germination fails because of irregular rains after planting. SFSA uses state-of-the-art climate and crop models, efficient processing of claims by insurers, and a record of timely pay-outs to underpin a reputation for lean parametric solutions that do not require loss adjustment in the field.

Weather insurance enables farmers to invest, and for this and other reasons is also of interest to governments, donors, international organizations, NGOs working in agriculture, and the agribusiness sector, i.e., input and service companies, commodity off-takers, and financial institutions offering value chain financing and loans to farmers.

Capability and features

Agricultural input companies put a registration card with a unique code in each bag of seed or fertilizer. When a farmers opens the bag at the time of planting, they find the card and follows its instructions on sending an SMS for registration. From this SMS, SFSA knows the farmer’s location and can monitor the rainfall using satellites. The premiums are paid by the input company; while payouts to the farmers are done via mobile money transfer.

SFSA offers smallholders in Asia and Africa a viable tech-based solution using automated weather stations and satellite imagery to monitor crop losses through weather indices developed. The solution solves both the affordability and distribution challenges (through eWallet) that agricultural insurance faces in reaching smallholders. Basic Financial Literacy training are also taken up as a part of the capacity building section of the program.

Progress to date

SFSA has worked with over 2,000,000 farmers across Africa and Asia.Their insurance programs in Bangladesh are set to impact at least 230,000 smallholders by 2021.

SFSA is working to improve the livelihood of end users by creating an application called the Resilience Engine. It is an IT Platform that automates agri-insurance business operation processes and will incorporate all activities including weather database management, pricing process, data collection, mobile phone integration, monitoring and evaluation. The application will also aide in the capacity building process by hosting high quality content for training purposes.



Agribuddy connects farmers to resources and networks. Their digital platform is both a mobile application and a web application, which farmers use alongside a “buddy” to store data and order supplies as needed. Agribuddy enables farmers to have access to capital through bank loans, as well as higher quality farm inputs.

Capability and features

Farmers get the necessary inputs to their farming needs as and when required in the value chain. The digital platform understands what farmers need (seeds, pesticides, tractors, etc.) and when they need it, so farmers can focus on farming. This reduces the stress and hassle for the farmers and significantly improves the output in terms of harvest.

Buddies are the main sources of data input into the system, and are mentors to farmers who are learning to use the digital platform. Buddies enable the connection of suppliers to farmers using the platform and also enable all aspects of transaction payment throughout the lifecycle.

Buddies who potentiallycan manage up to 50 farmers get a commission from the farming lifecycle.

The goal is to connect the input suppliers to the digital platform using a cashless transaction system. Agribuddy’s large farmer network boosts their revenues, and in the future all aspects of the transactions will be on the blockchain which improves traceability.

Progress to date


Agribuddy has over 47,000 registered farmers with 4,000 availing fill services, as well as partnerships with banks in Cambodia, Crop insurance companies and local governments.

Upcoming initiatives include credit rating of farmers to enable loans, harvest forecasts, and improved data tracking through IoT sensors and drones.



CropBASE is a platform that provides solutions for agricultural diversification. CropBASE includes a global evidence base of key genetic, agronomic and nutritional information on under-utilised crops. Combining this data with climatic, soil and other information will support a range of models to predict the performance of value chains that include under-utilised crops under current and future climate scenarios.

CropBASE has developed an online crop suitability evaluator, based on multi-criteria land suitability methodology and local priorities. The app shortlists potential under-utilised crops that can grow at any location for a range of end uses. CropBASE will help transform agricultural business by improving information flows and reducing production risks using the vast potential of under-utilised crops and information technology.

Capability and features

Governments can improve land related decisions and extend land-use options.  The platform simulates crop suitability and demonstrates value-chain traceability from seed to market with emphasis on nutrition. The platform will provide a link between science and local knowledge for the benefit of decision makers that are looking for robust evidence bases to back their decisions.

CropBASE helps extension workers to disseminate information to the end-users including farmers, retailers, buyers and other decision makers about the gaps that exist in knowledge allowing them to communicate the needs better. It provides access to aggregated insights that are generated regionally, allowing quick identification of local issues and their appropriate responses.

Farmers can use location-based insights to see possible business options that are custom-built for their own property given the current soil, climate conditions and future forecasts. This allows them to increase their productivity, add new lines of business and boost their incomes.

Progress to date

CropBASE is currently rolled out in a major plantation and is working with two different categories of farmers. They are collaborating with a consortium of 19 global partners under ‘LANDSUPPORT’ project to develop and test a decision support system (DSS) that enables evaluation of trade-offs between land uses, and are completing cases studies in Malaysia and 3 European countries.

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