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Top global credit reporting agency
A global credit reporting agency sought to enhance the efficiency of its farm credit assessment process in Brazil so lenders could scale up agricultural loan access, particularly for small and medium-size farms.
With AI-powered satellite crop monitoring, we slashed the time and cost of agricultural credit assessments, using machine learning and cloud processing for large-scale imagery analysis of Brazilian farms.
25,000 farms processed per day
Faster, lower-cost farm loan assessment
More accurate credit scores
Potential to expand beyond Brazil
Make Farm Credit Assessment More Efficient So Lenders Could Expand Loan Access
A leading global credit reporting agency needed to improve its agricultural credit assessment process in Brazil where farms often struggle to secure loans, especially small and medium-size farms.
The world’s fourth largest producer of food, Brazil has faced significant limitations and inequalities when it comes to farm credit. A study by the Climate Policy Initiative (CPI) based in Rio de Janeiro found:
Traditional farm credit assessment was costly and slow, requiring on-site visits to perform comprehensive technical evaluations. The manual verification process that followed was costly and slow too, stacking up costs while farmers waited.
For a nation that has faced surging agribusiness bankruptcies in recent years, automating the slow and expensive process of securing farm credit would mean much needed relief for producers and more reliable business for creditors.
Automate Credit Assessment With Satellite-Based Crop Monitoring Powered by AI
We helped our client automate the process of assessing farm credit by developing a satellite-based crop-monitoring system. By applying advanced AI and machine learning (ML) to images from Sentinel satellites, our solution could:
When Sentinel-2 generated new images of the earth every five days, specialized computer vision models analyzed the spectral data including RGB, infrared, UV, and SWIR radiance. Tools like s2cloudless enhanced accuracy by removing cloud coverage. We then combined the Sentinel-2 images with the credit reporting agency’s annotations to train our models.
From there, we implemented a scalable API solution for production deployment and supported it with cloud-based processing to handle large-scale machine learning analysis of satellite imagery.
Up to 25,000 Farms Processed Per Day in Brazil, Potential to Expand Markets
With satellite-based crop monitoring powered by AI, our client can process up to 25,000 farms per day across Brazil. In addition to reducing the time and cost of agricultural credit assessments, the agency now provides more accurate credit scoring to agricultural lenders, making farm loans faster to process and at less risk.
For small and medium-size farms, this means greater accessibility to agricultural loans at the moments they need them. This will help many farmers trend away from bankruptcy and build financial sustainability.
And the biggest impact may be yet to come. The global credit reporting agency now has a foundational solution it can expand to other markets, creating a potentially immense growth opportunity.
“Innovations like this show how AI makes the traditional processes of financial services faster, more accurate, and more inclusive. By applying AI to an existing resource like satellite imaging, we streamlined farm credit assessments and opened new possibilities to farmers who were underserved. This kind of innovation sets companies apart in our industry. It’s not just about adopting new technology, it’s about reimagining entire systems to create value for both businesses and customers.”
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