Digital Agricultural Services for Insurance - Selim Üçer

1. Digital Agricultural Services for Insurance
October, 2018

2. 2
Agenda
• Overview of Doktar
• Applications in Insurance and Risk Management

3. 3
Who we are
Established
Highlights
• January 2012
• More than 500k registered farmers
• Phenological development models for 117 crop types.
• Tens of algorithms for fungal diseases, irrigation and
fertilization programs
• 1.2M hectares of land digitally tracked
• Clients in 6 countries
Purpose • Improve agriculture via informed decisions.
Capabilities
• Agricultural Know-How, Software and Hardware Development, Big
Data Analysis, Image Recognition, Risk Modelling
Offices • 2 offices (Istanbul & Izmir) in Technology Development Zones –
Team of 25

4. Doktar accelerates agriculture by informed decisions and ...
Who ToolsHow
• Farmers
• Input players (seed,
chemicals, fertilizer, etc...)
• Financial Institutions
• Tractor & equipment players
• Food companies
• Governments
• Consumers
• Data driven decision making
• Operational improvement
with a holistic approach
• Bottom up agricultural
monitoring & market
intelligence
• Value chain management
• Supply chain visibility
• Risk assessment
• Field presence
• Agronomist hotline
• Mobile apps
• Plant growth simulation
• Satellite images
• IoT sensor stations
• GPS tracking
• Machine learning
• Image recognition
DoktarSource: 4

5. DoktarSource:
Clients served by Doktar – Partial Client List

6. 6
We offer conventional and digital yield optimization and farmer
relationship management services for agricultural players.
Conventional Services Digital Services
DoktarSources:

7. 7
Doktar can enhance farmers’ performance by Personalized Crop
Grower Protocols and Farmer Support Line
DoktarSource:
Personalized Grower Protocol via SMS
Conventional Service
Farmer Support Line
Conventional Service
• Growers are registered along with their fields’
location, size, crop variety and plantation date.
• Farmers receive personalized fertilization, fungal
and insect protection, hoeing and harvesting
advices based on phenological development of
their grower.
• Grower protocols localized with local agricultural
experts for each crop variety.
• Doktar also sends a three-day field level weather
forecast and agricultural warnings.
• Other valuable information such as crop and
input prices, government grants are also
delivered
• All farmer question are to be answered via
Farmer Support Line.
• Agricultural engineers who serve in Farmer
Support Line will be trained on crop varieties
before answering calls.
• All calls will be recorded with farmers’ name, field
size, crop variety and diagnosed disease or
answered problem.
• All calls will then be reported to client on weekly
basis.
Credentials

8. Thanks to conventional farmer services, we have the largest
active database of Turkey,
12 million decares
500.000 Farmers
200.000 Fields 6% of Turkish Land is
recorded
22.000 Agricultural
problems solved via 1to1
communication
10-15% on Average yield
increase
Doktar DatabaseSource: 8

9. 9
Digital Agriculture Big Picture
Connected Agriculture
Smart Phone
App
Tracing &
Visiblity
Cloud CRM
Crop Tracking &
Procurement
Risk
Management
Data Sources
(IoT)
Cloud Analytics
Agricultural Data Base
Image Recognition
Artificial Intelligence
Algorithms
Data Collection AI & Analysis Platform
Data Backed Digital
Services
End Users
Weather
Forecasts
Agricultural Input
Players
Tracotrs
Harvesters
Sensors
Financial Institutions
Consumer
Farmer
FMCG Players
Satellites
DoktarSource:

10. We collect data on weather, soil and crop via sensors and
satellites, to turn into decision support algorithms
Digital Products and Services
Fungal Diseases and
Irrigation
Management
Field Health Tracking
from Satellite
Product Specific Smart Phone Applications
DoktarKaynak:
Digital Soil Analysis
10
Farm Management System

11. 11
Agenda
• Overview of Doktar
• Applications in Insurance and Risk Management

12. 12
Insurance Applications of Digital Agriculture
Early Warnings Claim Handling
Insurance Applications of
Digital Agriculture
DoktarSource:
Risk Assessment

13. How does the yield increase with these products?
How do early warnings work?
Selecting the
Right Variety
Protection
from Pests
Protection
from Fungus
Diseases
Timely and
Sufficient
Fertilisation
Timely and
Sufficient
Irrigation
Doktar Analysis and VisionSource: 13
Early
Warnings
IoT Station
Satellite
Digital
Soil
Analysis
Digital
Pest Trap

14. 14
Early warnings from an App -
Disease management example
Dash Board Fungal Disease Status Disease Information
Source: Doktar
Early
Warnings

15. 15
Risk management with hyperlocal historical climate data and
satellite data
Farmer Risk
Topography
Risk
Climate RiskSoil Risk
Risk

16. 16
Multispecteral satalite images can give us great insights on
crops health and damages
Normal Satalite Image Processed Health Monitoring Image
Claim
Handling

17. 17
How can this be utilised in claim handling?
Before the Event After the Event
Claim
Handling

18. 18
In summary, insurance industry can benefit from digital
agriculture in two ways
Providing Digital Agriculture as a
Value Added Service
Utilizing satellite technology to
decrease claim handling costs and
false claim requests

19. Erzene Mahallesi Ege Universitesi Kampusu
ideEGE-TGB Mercan Binası
No:172/70-I Bornova/Izmir
+90 538 057 70 75
www.doktar.com