FINALIST outside of Japan

Luxembourg

Climat8 by ESGSAT is an AI-powered fintech platform transforming insurance risk management through predictive climate intelligence. Using satellite data and advanced machine learning, it forecasts environmental and health risks for policyholders in real time, enabling insurers to proactively reduce claims, enhance customer engagement, and optimize underwriting. Its innovative, modular design seamlessly integrates with existing insurance systems, offering scalable, data-driven insights for smarter decision-making. Climat8 is the first solution of its kind, combining predictive analytics, real-time monitoring, and actionable risk mitigation, positioning insurers at the forefront of climate-resilient financial services.

Dr. Natalia Mykhaylova is the Co-founder and Director of ESGSAT, an advanced ESG intelligence and predictive risk analytics platform supporting insurers, asset managers, and institutional investors. She holds a PhD in Chemical Engineering and a BASc in Chemistry, complemented by a strong design and systems-thinking background. With over 18 years of international experience, Natalia specializes in leveraging satellite earth observation, environmental datasets, and AI-driven predictive models to quantify physical climate risk, ESG exposure, and investment downside risk at asset and portfolio levels. She has founded and led companies across Singapore, Canada, South Korea, and Europe, collaborating with global financial institutions on underwriting optimization, portfolio resilience, and regulatory-aligned risk management. Her work has been recognized through 20+ international awards for advancing sustainability-driven financial and technological innovation.