When finance shapes sustainability, precision matters.
Financial institutions play a pivotal role in accelerating climate progress. Every lending decision, investment allocation, and product design has sustainability implications—yet most organisations still lack the infrastructure to turn that influence into measurable outcomes.
PCAF
Financed Emissions
Sustainability-Linked
Scope 1–2 Operations
Scenario Modelling
Unstructured financed emissions data
Portfolios include clients across sectors and regions. Yet emissions data is often missing, inconsistent, or submitted in incompatible formats.
Clients · Sectors · Regions
No shared metrics across sustainability-linked products
From climate-aligned mortgages to commercial lending, internal teams lack a unified way to define, monitor, and evaluate environmental performance.
Mortgages · Lending
Siloed insights across portfolios and divisions
Sustainability data sits with different teams—risk, lending, investment, ESG—with no consolidated system to track financed emissions or portfolio exposure.
Risk · Lending · ESG
Disconnect between commitments and execution
Sustainability targets are often set at group level. Applying them across frontline operations—like credit terms or product development—remains a significant challenge.
Targets · Frontline
Static tools in a shifting sector
Decarbonisation planning requires adaptable models. Yet most institutions still rely on spreadsheets or legacy tools not built for scenario testing or rapid iteration.
Spreadsheets · Legacy tools
From static tools to dynamic AI
Net0 helps financial institutions move from static tools to dynamic AI systems — linking emissions performance with lending, investment, and client engagement.
Embed sustainability into both your operations and the capital you move — with the flexibility to build at the pace and complexity the sector demands.
Modular sustainability intelligence for financial institutions.
Net0 equips banks and financial services firms with modular, AI-powered tools to measure financed emissions, track portfolio-level impact, and support the design and execution of sustainability-linked products. Whether you’re building internal systems, responding to investor expectations, or aligning your portfolio with climate goals, our proprietary AI tools adapt to your data, clients, and operations.
See what AI-driven sustainability looks like
Make finance smarter, cleaner, and ready for what’s next. With Net0, financial institutions unlock real-time sustainability insight—across financed emissions, operational impact, and portfolio-wide performance. Our AI models transform raw inputs into actionable intelligence that supports high-stakes decision-making and long-term strategy.
Discover Net0’s AI platform
Connect and structure financed emissions data instantly
Net0 brings together client- and portfolio-level data from across your systems and formats—applying automation to clean, classify, and validate it for reporting and analysis. Its agents then model portfolio impact in real time, simulating how strategic decisions affect your institution’s emissions trajectory across regions, asset classes, or product lines.
Classification agent
Auto-tags loans and assets by emissions profile, sector, and location, and standardizes fragmented client data into usable formats.
Client & borrower outreach agent
Requests emissions data from borrowers, investees, and counterparties through guided workflows, chases gaps, and fills missing inputs with sector benchmarks.
Validation agent
Detects missing values, flags inconsistencies, and applies confidence scoring to every data point before it reaches a dashboard or disclosure.
Scenario modelling agent
Forecasts decarbonisation pathways under multiple scenarios, compares reduction strategies by business unit or geography, and guides lending and investment choices with predictive modelling.
Tailor insights to each decision-maker.
Every stakeholder—from relationship managers to strategy leads—gets access to the metrics that matter most to them. Role-specific dashboards with flexible filters surface emissions insights alongside financial KPIs, and scale across portfolios, products, and regions—whether you operate in one market or 20—with no rebuild required.
Sustainability & ESG leads
Group-level governance — with local views that adapt to each team.
Financed emissions coverage, intensity, and reduction progress across the group
Alignment with PCAF and internal benchmarks, audit-ready
Scope 1 and 2 across offices, branches, and data centres
ESG · Sustainability
Risk & credit teams
Emissions exposure alongside the risk metrics you already use.
Portfolio exposure by asset class, sector, and geography
Emissions modelling embedded in underwriting and lending workflows
Client performance linked to internal risk metrics
Risk · Credit
Relationship & product teams
Sustainability-linked products with verified KPIs.
Environmental KPIs monitored per product, borrower, or segment
Performance thresholds tied to client incentives and loan terms
Borrower-facing data workflows with gap detection built in
Relationship · Product
Strategy & executive leadership
Scenario outcomes and portfolio trajectory in one view.
Decarbonisation pathways compared by business unit or geography
Emissions trajectory under reallocation and product-redesign scenarios
Board- and investor-ready disclosures from one validated dataset
Strategy · Executive
What financial institutions could build with Net0.
Three scenarios from banking, investment, and insurance — the challenge each institution faces, what Net0 puts in place, and the expected outcome. Use the arrows or dots to move between them.
Frequently asked questions
Straight answers on how banks, investors, and insurers deploy AI-driven sustainability systems — from financed emissions and sustainability-linked products to simulation, integrations, and governance.
How does Net0 help measure financed emissions across complex portfolios?
Net0 uses a modular architecture to track emissions across loans, investments, and insurance products. Our AI models classify financial instruments, apply relevant emissions factors, and flag missing or inconsistent data. Institutions can use client-submitted data, third-party benchmarks, or internal proxies—structured into decision-ready insights.
Can Net0 support the design and monitoring of sustainability-linked financial products?
Yes. Net0 configures emissions tracking workflows that align with the logic of sustainability-linked products—allowing product teams to set clear environmental KPIs, validate performance over time, and generate auditable records for each offering. Whether it’s mortgages, SME loans, or corporate finance, performance thresholds can be linked to internal risk models or external disclosures.
How can Net0 help run decarbonisation models and simulate portfolio-level impact?
Net0 includes a simulation engine purpose-built for financial institutions. You can model emissions outcomes based on asset reallocations, product redesigns, or borrower transitions—across equity, debt, and real estate. The models update with new data and can be configured to reflect your internal strategy, market assumptions, or regulatory scenarios.
Can Net0 integrate with our existing core banking, investment, or analytics systems?
Yes. Net0 is designed to work alongside your existing infrastructure, including data lakes, analytics tools, and core financial systems. We support structured and unstructured inputs from client portals, internal databases, and vendor platforms—and build secure APIs and validation pipelines tailored to your environment.
How does Net0 support internal sustainability governance and decision-making?
Net0 enables banks to operationalise climate goals by embedding sustainability data into the systems your teams already use. Role-based dashboards and workflows make it easy for product teams, risk officers, and executives to access the insights they need—mapped to financial metrics, client performance, and strategic goals.
Financed emissions you can stand behind.
Tell us which portfolios and frameworks you report on. We’ll show how the data is gathered, checked and traced.
Talk to our team