The theme of this hackathon is “Hack to the Future”. At first, we were confused about what we needed to do because of the different ways we can tackle the theme. We came to the conclusion that we wanted to apply financial products and services to a hard to tap sector in the Philippines. Now the question is: “What sector in our country needs this the most?”. In the end, we chose the Agricultural Sector because we observed that this sector needed the most improvement.

This is Barney, he owns the Goliath National Bank. Business is thriving and Ted wants to expand his bank into the Philippines. The first few steps were great as he started in Metro Manila but now he wants to get into other cities. He was dumbfounded when he realized that over 70% of Filipinos do not have bank accounts. Goliath National Bank has great financial products, but if their product does not reach their target customers. It's hard for Barney to get into this market.

This is Aling Nina, she owns a restaurant called “Tindahan ni Aling Nina”. She makes the best​ Vegetable Stir-fry. The problem: how can she continue to make amazing dishes every day? This means being able to get fresh vegetables every single time. The issue is that it's hard to get a reliable supply of fresh vegetables in the Philippines. Seasonality, location, even prices are a headache. Being able to plan is powerful. But not being able to execute is really frustrating.

Lastly, this is Kuya Jun. He’s a small household farmer and a part of the “Zumba Dads and Moms Farmer Cooperative”. Their cooperative mainly sells vegetables for a living, which is ​exactly ​what Aling Nina needs for her restaurant. The Problem: they have no way of finding customers such as Aling Nina. This is our trifecta. For the last 48 hours, we found a solution that can address these problems experienced by restaurants, cooperatives, and financial institutions. It was developed by my amazing team members: John Robert, Clyde, Michael, and myself. Introducing the Agree Farm App. How it works? We have 2 mobile phones to display all views of the application. First, let's log in the buyer(Aling Nina) and Kuya Jun. So Aling Nina will now place the ingredients she needs and the system would find the most optimal coop based on seasonality, location, and price. Kuya Jun who is the cooperative representative would receive an in-app notification and a text message telling him details about the order. Once a cooperative accepts Aling Nina’s request, she just needs to wait for her delivery of fresh vegetables to arrive. As for the payment, we used a COD model with a QR code as a means for payment. The QR prompts once the order has been accepted. In 2 easy steps, Aling Nina can now find reliable sources of fresh vegetables for her restaurant and Kuya Jun and his colleagues now have access to customers they could’ve never tapped beforehand. Now let's look at how the Banks fits into all of this. As you may have noticed, Barney’s Goliath National Bank represents banks in the Philippines because according to a report from the Bangko Sentral ng Pilipinas, ​Philippine banks continue to fall short of the mandated loan thresholds for agriculture and agrarian reform. This platform has a lending feature that can allow individual farmers or cooperatives to request loans, which would increase bank penetration into the market.

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