Ultimately, digital platforms mean money moves into the pockets of farmers and herders within hours of a trigger event.

We've only been able to reach people because we looked at it as how do we make sure that insurance is bundled with other services, bundled with savings.

bundled with loans, the training, better husbandry practices, and most importantly, how do we connect them to market? So when we look at disaster risk, we look from one angle to the rest.

How do we use platforms to make sure, digital platforms to make sure that they are paid straight? We get money into the past risk pockets in a matter of hours.

Using, of course, parametric products helps because then you have the preset triggers and you're not going to go on the ground to try and assess the risk.

And that requires meeting people where they are through messengers they already believe in.

So how you move it from the boardrooms, the meeting rooms where we talk about all the insurance companies down, is what we've done is engaging at the local level.

So the people that we call community mobilizers, the people that reach out to these people, are people that they know.