OKO tackles the problem of smallholder unbanked farmers with crop insurance that is universally accessible (no need for a bank account, an internet connection or a smartphone), affordable and automated. This helps UNDP address the following challenges: Under "inclusive growth": Their solution is a digital tool that enhance access to finance (insurance and credit) to a population that was previously excluded from these services. Under crisis response: OKO is a digital tool that supports the reactivation of agricultural activities following a damaging weather event. OKO helps building more resilient livelihoods, with insured farmers being able to overcome a bad season without having to move to the city or sell their assets.

OKO secures farmers' income in emerging countries using automated insurance solutions. OKO is accessible to anyone with a phone and claim payments are automated using satellite data and images.