Turn everyday transactions into climate action.

    Our models turn card and payment transactions into carbon footprint estimates for retail and SME customers, with personalised recommendations that help them cut emissions and costs, inside the app they already use.

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    Carbon insights

    Carbon insight inside everyday banking

    Transform the customer data you already have into clear emissions insights your customers can understand and act on, as the first step on their decarbonisation journey.

    Capabilities

    Carbon insight inside everyday banking

    Transaction-level footprints

    Emissions estimated from each card and payment transaction, categorised automatically.

    Why banks embed carbon insight with Connect Earth

    Immediate engagement

    Engages users from the first interaction with clear, contextual carbon insights.

    Carbon made relevant

    Personalises the journey with content and recommendations tailored to lifestyle and spend.

    Standardised to enable scale

    Improves accuracy and comparability through standardised emissions calculations.

    FAQs

    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.

    Emirates NBD put carbon intelligence where retail customers actually are: inside the ENBD X app. Working with Connect Earth, they launched Green Pulse, giving nearly two million customers footprint estimates from everyday spending, personalised guidance, and local recommendations to reduce their impact.

    All case studies

    Built by experts. Trusted by leaders.

    Built as a modern SaaS platform, Connect Earth delivers compliance solutions that grow with your organization. Our cloud-based infrastructure gives you seamless access to emissions insights, regulatory reporting, and sustainability data across your entire operation, without the overhead of traditional enterprise software.

    Use cases

    A flexible, modular solution to support your business type

    Use case

    Retail Banking

    Enabling retail banks to empower millions of customers with carbon insights, sustainable spending habits, and green product adoption.

    • Immediate customer engagement
    • Everyday carbon made visible and relevant
    • Drive adoption of sustainable products
    • Strengthen brand reputation & loyalty
    Learn more
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