Emissions insights wherever your customers are

    Embed gold-standard carbon data directly into your platform. Our APIs turn transactions into clear footprint calculations and actionable insights, helping you meet regulations, engage customers, and lead on sustainability.

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    Features at a glance

    Two capabilities on one carbon data layer: the insight your retail and SME customers see in the app, and the green lending layer that turns it into finance. Each has its own page with the detail.

    Carbon insights

    Transaction-level footprints for retail and SME customers, built from the payment data you already hold and standardised in the background. Customers see the emissions behind their spending, with recommendations ranked by what they save.

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    Green finance

    Carbon insight becomes a green investment plan, checked against your lending criteria and passed to your relationship managers as a qualified lead. The insight is live today, and the lending layer is ready for a first pilot.

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    Transactions contain a story about emissions, if you have the right data to read them. Emirates NBD partnered with Connect Earth to find out what that looks like at scale: nearly two million retail customers in the ENBD X app now see footprint estimates from everyday spending, personalised guidance, and recommendations to reduce their impact. This is what the Carbon Measurement and Insights suite is built for. Bring your transaction data. We'll do the rest.

    Sustainability data wherever you need it.

    Log in to a reporting workspace, call the API, take a scheduled file drop, or ask your own agent. Choose the setup that fits your workflow, backed by the same data underneath.

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    Frequently asked questions

    How do you calculate the CO2e emissions for a transaction?
    We calculate the carbon footprint of your purchases using 'emissions factors' that are specific to the category and region of your purchase. The calculation is: Transaction Amount × Category Emissions Factor. For example: If you spend £20 at a supermarket, we multiply this by the emissions factor of groceries in your specific country (e.g. 2.22 kg CO2e/£) to get an estimated carbon footprint of 9 kg of CO2e.
    Where do you get the data from?
    Category-level data: We collect category-level data through Environmentally-Extended Input-Output Analysis (EEIO) using the latest version of the EXIOBASE database. EXIOBASE is one of the most extensive EEIO models available and enables us to track greenhouse gas emissions throughout global supply chains. Corporate emissions data: We collect the latest reports that companies have published, containing emissions data. These may be sustainability reports, ESG reports, CSR reports, and others.
    How does the integration work?
    The integration is only API-based. The API integration is easy and accompanied by well-detailed API documentation that makes the process straightforward. Integration typically takes anywhere between 2-6 weeks, depending on the technology and resource capacity of our customers.
    How secure is the API? Do you store any user data?
    We do not store any user data nor do we require access to user data (such as personal information, account details, etc.). We fully comply with banks' and financial institutions' legal and compliance requirements in terms of data security. As a UK-based company following data compliance standards like GDPR and SOC2, we take data privacy and ownership very seriously and are audited yearly for data privacy and security.
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    Get started with the Sustainable Finance OS today

    Whether you use one module or the whole system, embedding sustainability into your business helps build a future your customers, and your bottom line, will thank you for.

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