What challenges did Apollo Agriculture face before AI implementation?

Smallholder farmers in Kenya lack access to technology and credit to improve productivity and secure financing. Limited expert agricultural inputs reduce crop yields and income potential. Farmers face difficulties in risk assessment and obtaining insurance and financing.

What was the impact of the AI solution?

Over 40,000 smallholder farmers have benefitted from improved yield and income opportunities. The AI-enabled platform reduces risk for lenders and facilitates more tailored financial services. The solution contributes to food security and economic inclusion in Kenya.

Source

MicrosoftExpanded

Apollo Agriculture: AI Automation Empowering Kenyan Smallholder Farmers

Use case typeFarm managementUpdated Jun 13, 2026

Apollo Agriculture, founded in 2016 in Kenya, provides a mobile-based platform that integrates AI technologies including machine learning, satellite data, and the M-Pesa mobile money platform to empower smallholder farmers. The platform offers working capital, personalized data analytics for crop management, seed and fertilizer supply, insurance, and financing. By interpreting satellite imagery and automating risk assessment and credit decisions, the solution addresses the challenges of limited access to technology, credit, and agricultural expertise among Kenyan farmers. Apollo Agriculture has served over 40,000 farmers, improving agricultural productivity and supporting economic inclusion.

Organization: Apollo Agriculture
Industry: Agriculture
Location: Kenya
Published: May 2020

Reported outcomes

Strategic outcomes

New product / capabilityLaunched AI-powered farmer platformNew product / capabilityEnabled personalized farming and financing servicesRisk & complianceAutomated risk assessment and credit decisionsCustomer experience & trustImproved access to financial inclusion for farmers

Primary read

Use case focus

Showing 3 of 3

1AI-driven underwriting
2Farm management
3Financial inclusion

Smallholder farmers in Kenya lack access to technology and credit to improve productivity and secure financing.
Limited expert agricultural inputs reduce crop yields and income potential.
Farmers face difficulties in risk assessment and obtaining insurance and financing.

Apollo Agriculture developed a mobile app and platform utilizing Microsoft AI, machine learning, and satellite data to analyze farm conditions and provide underwriting for credit.
The platform integrates with M-Pesa for streamlined financial transactions.
It offers personalized farming advice, product supply, insurance, and credit based on AI-driven risk analysis.

Technologies

Microsoft AI Machine Learning Satellite data M-Pesa

Over 40,000 smallholder farmers have benefitted from improved yield and income opportunities.
The AI-enabled platform reduces risk for lenders and facilitates more tailored financial services.
The solution contributes to food security and economic inclusion in Kenya.

Sources & evidence1

ExpandedExpanded

The same organization appears in newer AI deployment evidence.