Technology Assessment Using Satellite Big Data Analytics for India's Agri-Insurance Sector
本文通过印度北部的案例研究，评估了卫星大数据分析技术如何解决农业保险理赔中的数据不准确、政治化和效率低下问题，提高透明度和理赔效率。
Over half of India's employment is attached to the agriculture sector and their survival is dependent on the performance of farms. The uncertainty in the performance of farms due to weather fluctuations and other risks is tackled by providing insurance cover. However, policymakers’ choice of administrative measures for estimating crop loss has resulted in inaccurate data collection, opened vulnerability to the politicization of the process, and created bottlenecks to operate at scale. These problems have led to skewed timelines for data collation, lack of confidence in the data produced by the agri-insurance providers, and caused long-drawn delays in settling claims made by farmers. In this article, we present a case study on the assessment of using satellite big data as a technology deployed in Northern India to solve the aforementioned problems between the stakeholders in the agri-insurance claim settlement process. Satellite big data based analytics provides an independent data source and decision-making platform for the agri-insurers to conduct an assessment for calculating the indemnity payments. The results showcase how transparency brought in by the satellite big data analytics curbs the plausible exploitation of the claim settlement process and leads to increased efficiency and efficacy in settling farmer claims.