The deployment of technology to facilitate finance is not new; it was one of the first industries to transition to computer processing given the non-physical, mathematical, accounts based nature of financial products and services. Fintech is different however. Read More
PAYING FOR GOODS AND SERVICES | MOVING MONEY FROM TOMORROW TO TODAY | MOVING MONEY FROM TODAY TO TOMORROW | MANAGING RISK | |
GREEN TEST | Does this transaction support sustainable behaviours? | Is this lending creating new and additional green activity? | Does this fund new activity in the green economy? | Does this enable new or improved green finance? |
DEEP GREEN - DIRECT AND TRANSORM-ATIONAL | Payment data used to identify better consumer options - Payment account rewarding avoided bad transactions | Green Lending for SME Energy Efficiency Projects - Blended home improvement grant and loan platform | Savings account with exclusively green deployment of deposits - | Climate risk investment analytics enables higher impact allocation - Climate risk data to better price green mortgages |
LIGHT GREEN - INDIRECT AND/OR INCREMENTAL | Payment data showing relative footprint of purchases - Standard transactional accounts plus tree planting | Green Mortgages only for owners already in EPC A & B rated homes - BNPL platform with product sustainability data | Auto Saving and Investment Apps feeding a small range of main market ESG ETFs - Savings accounts proceeds applied to mixed use lending | ESG and Sustainability Investment Analytics - Giving DIY Investors full funds holdings data |
An increasingly diverse range of green fintech startups are emerging across these functional areas, creating new value through a number of evolving business models. At Euvita we maintain a competitive mapping of the green fintech landscape that informs our work with clients and partners. Read More