LPPI #49th Virtual Seminar “Sovereign Wealth Fund Utility:

Allocation and Absorption”

HOW TO CONTROL AND MANAGE INVESTMENTS

IN AGRO SECTOR
 RISK & RETURN TRADEOFF IS AN INVESTMENT PRINCIPLE

Unfortunately farmers’ accounting and

INPUTS financial reporting system can have a
GRAY-BOX or BLACK-BOX features

• staff errors

• long cycle (big time gap between reports)

WHITE – BOX GRAY – BOX BLACK – BOX
• creative accounting

Full knowledge Some knowledge Zero knowledge • no benchmarking

• lack of planning system (regional

shortfalls & overproduction)
OUTPUTS
• etc.

Zero visibility at farmers level leads to inacceptable risk to banks and investors / Uganda lost 50% of funds employed

How to transform a black box into a white box?

®️ 2021 All Rights Reserved -- Private and Confidential
 WHERE WE ARE

What does big data mean to many farmers? Digitalization by industry, 2020

Agriculture

Source: ABB, GPS Citi

Disruptive Innovation
Agriculture 4.0

Source: Most farms all over the world

Digitalization journey in Agriculture only starts and it is

necessary to make transition to the line of technological
progress simple and evolutional due to conservatism in this
industry

®️ 2021 All Rights Reserved -- Private and Confidential Source: Shih and Christensen, 2017 (UoC JBS)

OBSTACLES
TECHNOLOGIES
SWITCHING COST
USABILITY & SIMPLICITY
Agriculture 4.0 – exists
Agriculture 5.0 – testing
Too expensive and requires
- investments in infrastructure
- investments in equipment
- education
Still too complicated and requires
- a lot of technical support
- or TaaS model / outsourcing
®️ 2021 All Rights Reserved -- Private and Confidential
TRANSFORMATION DRIFT
…to transform a black box into a white box
NEEDS
LOWEST RUNNING COST
ZERO INVESTMENT AND
LOW EDUCATIONAL REQUIREMENTS
Limited economic capability
- to accommodate limited capabilities
of most farmers and start
transformation having only
smartphone and internet access
Investment requirements
- almost zero investment in hardware
and software
Educational requirements
- to accommodate current literacy
and educational level at most farms
FAST START
FEATURES REQUIRED FOR
SIMPLE RISK MANAGEMENT
TOOL
- easy to use for everyone
- low education level of users is
acceptable
- life work & data flow
- data traceability (time / place /
workers / reverse changes)
- graphs and charts shows trends on
daily basis or production cycles
 Tillo.app
Harvesting (with) data

A presentation to
the Indonesian Banking Development Institute
(LPPI)
49th Virtual Seminar

Private & Confidential

10 June 2021

®️ 2021 All Rights Reserved Tillo.app -- Private and Confidential

1 Patent pending: Provisional application No. 62/645082 dd 19 March 2018 (U.S. Patent and Trademark Office according to 35 United States Code, 37 United States Code of Federal Regulations)
 We believe data is a game changer in farming

We help farmers
to achieve more
through data and analytics
made simple.

3 ®️ 2021 All Rights Reserved Tillo.app -- Private and Confidential

 Everywhere in the world farmers keep their farms’ records on paper

4 ®️ 2021
®️ 2020
All Rights
All Rights
Reserved
Reserved
Tillo.app
Tillo.app
-- Private
-- Private
andand
Confidential
Confidential
 Farmers need better solutions to store, organize, process and share
information in real-time
The majority of farmers, of any geography and
type, keep their farming records on paper
notebooks
The current scenario creates problems to the whole
industry, and more specifically to farmers who face
many challenges while managing their farms:
• Limited visibility and control over on-farm activities,
with impact on their productivity
• Poor decision making, based on experience and gut
feel due to limited access to farm’s data
• Lots of paperwork and duplication of work, resulting
in higher costs and inefficiencies
• Lack of reliable and structured data limit access to
5 ®️ 2021 All Rights Reserved Tillo.app -- Private and Confidential
markets and financial services
 We built a mobile app integrating basic data capture functionality in an
accessible way that makes on-farm data more valuable

6 ®️ 2021 All Rights Reserved Tillo.app -- Private and Confidential

 Tillo helps farmers to achieve more through data and analytics

Production Monitoring
The increased the accuracy of Improved information capture,
physical actions on a farm, eliminating the farmer’s
eliminating the farmer’s inability inability to collect detailed and
to precisely control on farm highly accurate information all
equipment for extended periods the time
at speed without interruption

Decision Support Synthesis

Making data driven decision,
eliminating the farmer’s inability to
use multiple years’ worth of highly
detailed information to drive
production decisions and actions
7 ®️ 2021 All Rights Reserved Tillo.app -- Private and Confidential
Bringing the information together in a
logical way, eliminating the farmer’s
inability to store and organize
information so that it is traceable,
secure and easily accessible
 Tillo.app connects the agricultural eco-system through the exchange of data
and information
CONNECT
to people you work with

DISCOVER SHARE DATA

actionable insights structured and real-time

Patent pending:
application No.
16/358,318 dd 19 March
2019 (U.S. Patent and
COLLABORATE Trademark Office) for
and streamline workflow
agriculture sector
8 ®️ 2021 All Rights Reserved Tillo.app -- Private and Confidential
 Tillo is designed to facilitate digitization of farms’ data, and to enable value
creation through the exchange of information

Farmer-level data collected from Tillo.app can be used to monitor costs and improve
productivity, to better collaborate with team members, and to communicate and share
information with consultants and business services working with the farmer

DIESEL LOGBOOK DIESEL CONSUMPTION FUEL TANKS FUEL PURCHASE

Supplier

SHELL Middletown

Quantity
“With Tillo.app it’s easier than using 4,000 Liters
paper, and gives me what I need to Purchase amount
know instantly” 6,500 USD
– Max Nel, maize farmer Delivery date

12 March 2021, PM

Delivery Address
ALERT: you will run out of
58, Old Street, Manofort..
“With Tillo.app I am always in fuel in TANK D in 4 DAYS

control of what’s happening at the SUBMIT REQUEST A QUOTE ORDER NOW

farm, anywhere I am”
– Brynn Hutton, apple farmer

Buy and Sell

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 A simple mobile application designed to collect and share data with manual
input and by integrating via APIs with 3rd party data providers

Manual Data Input Automated Data Input

Tillo.app offers a versatile solution Users will have the possibility to

for easy farming data collection and activate 3rd party data sources
sharing, including simplified data through API integrations available
visualization and analytics in Tillo.app (roll-out 2022)

“Every information I need at a tap of a button in one place is a dream come true”
– Pietersarel Broon, Herbs Farms, South Africa
10 ®️ 2021 All Rights Reserved Tillo.app -- Private and Confidential
 Automated Data Input and Tillo Integrations

Farmer – GIS capabilities: B2B Marketplace capabilities:

register and monitor land plots;

built-in e-Workflow
planning of agricultural territories & land
module
management;
loyalty program with a
quantitative and qualitative soils indicators;
bonus system
agricultural crops and crop rotation;
the possibility of
field history (agrochemistry / machinery /
personnel / yield / humidity, etc.); placing unique
NDVI index; integrated offers
geodetic and cartographic materials; group baying option
property rights information
Drones and SAT “birds-eye-view” technology and data analytics are the source of
1 relevant, timely and objective information. ®️ 2021 All Rights Reserved Tillo.app -- Private and Confidential
 Tillo.app can help banks and
investors with improving their
practices of assessing
farmers’ credit risks

Farmer-level data collected from

Tillo.app can be used to evaluate
and rank potential borrowers in
order in order to assess the risk
level

11 ®️ 2021 All Rights Reserved Tillo.app -- Private and Confidential

 Connecting farmers and bankers through digital data
What data is best for scoring models?

 Farmer-level data collected

from digital channels can be
used to evaluate and rank
potential borrowers in order of
their likelihood to repay a loan

 Real-time data and credit

Fit-for-purpose designed scoring models could help
tasks to provide the bank with increase the scale and
Agronomic and
a stream of structured, operational scope of lending to farmers
current, reliable farm’s data to and augment existing value
improve transparency and chain finance programs and
profitability in loan decision lending
making process
 It strengthens banker-
borrower relationship
because of transparency in
loan decision making
process

12 ®️ 2021 All Rights Reserved Tillo.app -- Private and Confidential. Source: Digital Credit Scoring in Agriculture, GrowAsia/Safira 2019
 Tillo.app provides banks with a comprehensive SAAS offer to develop credit
scoring models for small-holder farmers

Farmers to collect their

Digital data feed and reporting
farming data using Banks will benefit from
Tillo.app through potential lower cost of client
specifically designed acquisition and due
‘tasks’ in collaboration Credit scorecards and credit
diligence, while reducing
with the bank risk of credit
scoring models
Farmers will benefit In addition the platform can
from transparent and provide banks with a
reliable funding, as well Agronomic expertise communication and
as working with quality marketing channel
standards and best targeting agricultural
practices ecosystem

All data captured by the farmer will be shared with the bank
as part of the loan agreement, and in respect of local data
protection and privacy laws

13 ®️ 2021 All Rights Reserved Tillo.app -- Private and Confidential

Better data,
better farming

Mikhail Zybin
Co-Founder
m.zybin@tillo.app
www.tillo.app