{"id":2791,"date":"2022-05-20T14:23:41","date_gmt":"2022-05-20T12:23:41","guid":{"rendered":"https:\/\/www.contovista.com\/co2-tracking-through-transactional-analytics\/"},"modified":"2025-10-03T10:43:59","modified_gmt":"2025-10-03T08:43:59","slug":"co2-tracking-through-transactional-analytics","status":"publish","type":"post","link":"https:\/\/www.contovista.com\/en\/news\/latest-news\/co2-tracking-through-transactional-analytics\/","title":{"rendered":"CO\u2082 Tracking Through Transactional Analytics"},"content":{"rendered":"<section height=\"710\" class=\"hero hero--diagonal hero--blue logo-color logo-color-white no-lazy\">\n  <div class=\"container container--standard\">\n    <div class=\"hero__wrapper flex row jscb\">\n\n            <div class=\"hero__info  hero__info--small hero__info--for-standard-image\">\n\n        <!-- Article data  -->\n        \n                    <a \n            href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/\" \n            class=\"hero__go-back-link\">\n            back to the overview          <\/a>\n          <div class=\"article__data article__data--postpage flex row aic\">\n            <span>20.05.2022<\/span>\n\n                        <span>6 min read<\/span> \n          <\/div>\n                <!-- Article data  -->\n\n        <!-- Titles  -->\n                              <h1 class=\"white\">CO\u2082 Tracking Through Transactional Analytics<\/h1>\n                   \n\n                <!-- Titles  -->\n\n        <!-- Description  -->\n                        <!-- Description  -->\n\n        <!-- Button  -->\n         \n        <!-- Button  -->\n\n        <!-- Clients slider  -->\n                <!-- Clients slider  -->\n\n\n      <\/div>\n\n      <!-- Image \/ Lottie  -->\n              <div class=\"hero__image hero__image--standard\"> \n          <img decoding=\"async\" \n            class=\"no-lazy\"\n            src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/10\/20220516-Contovista-Blog-Post-CO2-Tracking-durch-Transaktionsanalyse_Header_cropped.jpg\" \n            alt=\"\"\n            caption=\"\"\n            description=\"\"\n            fetchpriority=\"high\">\n        <\/div> \n            <!-- Image \/ Lottie  -->\n\n    <\/div>\n  <\/div>\n<\/section> \n\n\n \n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\r\n\r\n<div class=\"breadcrumbs\">\r\n  <div class=\"container\">\r\n    <div class=\"breadcrumbs__wrapper flex row aic\">\r\n      <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav>    <\/div> \r\n  <\/div>\r\n<\/div>\r\n\r\n\n\n\n\n\r\n<section class=\"title-copy section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"title-copy__wrapper\">\r\n          <h2>The Data-Driven Sustainability Option<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>Relevance, personalisation and customer-centricity are all buzzwords that are currently dominating the discussion about tomorrow\u2019s banking world. And rightly so! <strong>In order\u00a0to successfully shape digital transformation, a fundamentally new approach to customers is required.<\/strong>\u00a0Today\u2019s customers have evolving and increased expectations of services of all kinds, including services in the financial sector.<\/p>\n<p>What is clear is that if established institutions don\u2019t meet them, others will. New competitors have long since begun to do so. In the digital age, banks simply cannot afford to revolve around themselves. Instead, they\u00a0must respond to consumers and their genuine needs, even going beyond conventional financial services, as recently argued in Accenture&#8217;s banking blog.<\/p>\n<p>This is precisely where the issue of sustainability comes into play. The climate issue is a matter of utmost urgency for all of us today, which is why consumers are attaching greater and greater importance to sustainable consumer behaviour.\u00a0<strong>With data-driven CO\u2082 tracking, banks are providing them with an incredibly effective sustainability tool. This way, institutions are achieving the goal of purpose-driven banking with customer-centric relevance.<\/strong> Banks act as an adviser and partner in everyday life \u2013 it\u2019s certainly a promising concept, but how does it work in practice?<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"title-copy section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"title-copy__wrapper\">\r\n          <h2>Banks as Competent Sustainability Advisers<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>The Open Banking paradigm forms the basis of CO\u2082 tracking through transactional analytics. Third-party providers gain access to account information, categorise the transactions and evaluate them in terms of their impact on the climate using AI algorithms. It goes without saying that banks are the ideal partner for this, as they\u2019re the ones that collect all the transaction data. After all, they accompany their customers through their entire lives, or at least as far as their finances are concerned.<\/p>\n<p>And this now also applies to sustainability. Customers can get a daily updated overview of their carbon footprint at any time through analytics of all their purchasing decisions, enabling them to then adjust their behaviour in a timely and targeted manner.\u00a0You can\u2019t get much closer to customers than this \u2013 banks also increase their relevance and strengthen their interface.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"title-copy section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"title-copy__wrapper\">\r\n          <h2>Effective and Uncomplicated: Integrated Analytics Tools<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>The Swiss provider Contovista is also developing a CO\u2082 tracking module as part of its <a href=\"https:\/\/www.contovista.com\/personal-finance-manager\/\" target=\"_blank\" rel=\"noopener\">Personal Finance Manager<\/a>\u00a0(PFM). This intelligent\u00a0financial assistant is already implemented by many banks as a digital upgrade of their interface, offering expenditure planning, customer centricity through data analytics as well as a multi-banking option. This is now joined by the new Sustainability Tool, which can be used alongside the Contovista Enrichment Engine, but without the PFM if desired.<\/p>\n<p>This allows bank customers to see what their carbon footprint is at a glance. It also shows how they compare to their peers or the Swiss average.\u00a0Personal tips explain how customers can turn these insights into action. Positive reinforcements (\u201cWell done!\u201d) encourage implementation and set a positive tone for the often angst-ridden topic of climate change.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"title-copy section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"title-copy__wrapper\">\r\n          <h2>Sustainable Future Prospects<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>Other sustainable features will be added in time to come as well. One\u00a0future use case involves specific options for carbon offsetting. Banks could allow customers to use the banking interface not only to plan their sustainable consumption behaviour; but also to independently perform sustainable actions, e.g. supporting reforestation projects inspired by current findings about their own carbon footprint.<\/p>\n<p>There are many other use cases in addition to CO\u2082 tracking and offsetting, such as analyses and tips for action regarding your water footprint \u2013 another sustainability issue with a high degree of urgency. Other exciting possibilities of adopting a data-driven approach include CO\u2082 budgets, ESG quizzes or sustainable product tips.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"title-copy section logo-color logo-color-dark\"  >\r\n  <div class=\"container\">\r\n    <div class=\"title-copy__wrapper\">\r\n          <h2>Cooperation as the Key to Success<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>Many banks are reluctant to build up the corresponding capabilities in-house, not to mention the fact that this remains an unreasonable demand for most banks. However, working together with innovative technology providers makes the transition to purpose-driven baking a plug &amp; play process.\u00a0<a href=\"https:\/\/www.contovista.com\/enrichment\/\" target=\"_blank\" rel=\"noopener\">Contovista<\/a>\u00a0facilitates innovation for banks through easy-to-implement Open Banking applications.<\/p>\n<p>As the Swiss market leader in data analytics and data quality, Contovista provides the data basis for tracking with the enrichment engine based on AI technology. After all, meaningful analytics are only possible if the transactions are categorised in a reliable, quick and efficient manner. The CO\u2082 evaluation by the sustainability module is provided by the Swedish specialist\u00a0<a href=\"https:\/\/deedster.com\/\" target=\"_blank\" rel=\"noopener\">Deedster<\/a>. This pioneer in the field of climate data is very successful internationally and can boast of dozens of data sources in Switzerland. A calculator for the CO\u2082 footprint and other applications are integrated into the Contovista offering via an API.<\/p>\n<p>So it\u2019s the best of both worlds, opening up a forward-looking technology partnership for effective purpose-driven banking for Swiss banks with the CO\u2082 tracking module. Would you like to learn more about this easy-to-implement innovation option to ensure greater relevance with customers through the red-hot topic of sustainability? Our experts will be happy to share the latest updates with you. Get in touch now!<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n \r\n<section class=\"section articles logo-color logo-color-dark\"  > \r\n  <div class=\"container\">\r\n      <h2>  \r\n      This might also interest you    <\/h2>\r\n  \r\n        \r\n   \r\n\r\n\r\n    <div \r\n      class=\"articles__wrapper articles__wrapper--slider flex row fww\" \r\n      data-taxonomy=\"1\">\r\n\r\n      \r\n              \r\n  \r\n                    \r\n          \r\n          <div \r\n            class=\"article article--normal column aic\" \r\n            data-post-id=\"15630\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2026\/05\/20260430-Contovista-Blog-Agentic-AI-im-Banking_header-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/agentic-ai-in-banking-roi-through-precise-prioritisation\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Agentic AI in Banking: ROI Through Precise Prioritisation<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>08.05.2026<\/span>\r\n                                <span>13 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Swiss banks face the question of how to deploy Agentic AI economically. 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And how Contovista is propelling banking into the future with AI finance management and artificial intelligence that truly makes a difference.<\/p>\r\n              <div class=\"btn btn--arrowed\">Read article <\/div>\r\n            <\/a>\r\n          <\/div>\r\n\r\n                  \r\n  \r\n                    \r\n          \r\n          <div \r\n            class=\"article article--normal column aic\" \r\n            data-post-id=\"13515\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/02\/ConnectUs-2025-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/contovista-connectus\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Contovista &amp; connectUS<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>27.02.2025<\/span>\r\n                                <span>2 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>At Contovista, we believe in innovation and networking &#8211; which is why we are delighted to support ConnectUS 2025. The FHNW&#8217;s international student project offers valuable insights into global business trends, sustainable innovations and enables the development of a strong network.<\/p>\r\n              <div class=\"btn btn--arrowed\">Read article <\/div>\r\n            <\/a>\r\n          <\/div>\r\n\r\n                  \r\n  \r\n                    \r\n          \r\n          <div \r\n            class=\"article article--normal column aic\" \r\n            data-post-id=\"13426\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/02\/20250129-Contovista-Newsletter-February_1.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/winterrelease-2025\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Winter Release 2025<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>14.02.2025<\/span>\r\n                                <span>4 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>In 2024, the use of the AI Personal Finance Manager in digital banking increased by 31%. In addition: Custom categories now offer the option of creating one&#8217;s own categories to personalise the banking experience even more. This makes the AI Finance Managers so much more customer-centric &#8211; and even more intuitive thanks to the direct category view in the transaction list. Now customers can see at a glance where their money is going even more easily. This saves time and helps them manage their finances more efficiently.  \r\n\r\nTranslated with DeepL.com (free version)<\/p>\r\n              <div class=\"btn btn--arrowed\">Read article <\/div>\r\n            <\/a>\r\n          <\/div>\r\n\r\n                  \r\n  \r\n                    \r\n          \r\n          <div \r\n            class=\"article article--normal column aic\" \r\n            data-post-id=\"13399\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/02\/20250129-Contovista-Newsletter-February_2.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/smart-decision-making-with-client-analytics\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Smarter Decision-Making with Client Analytics<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>30.01.2025<\/span>\r\n                                <span>5 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Stay close to your customers: With client analytics from Contovista, financial institutions gain even deeper insights into their customers&#8217; financial situations \u2013 enabling better quality advice and more targeted product sales. <\/p>\r\n              <div class=\"btn btn--arrowed\">Read article <\/div>\r\n            <\/a>\r\n          <\/div>\r\n\r\n                  \r\n  \r\n                    \r\n          \r\n          <div \r\n            class=\"article article--normal column aic\" \r\n            data-post-id=\"13282\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2024\/11\/20241126_Contovista_Community-Meeting_14-1-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/recap-community-meeting-2024\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Community Meeting 2024<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>27.11.2024<\/span>\r\n                                <span>8 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>This year&#8217;s Contovista Community Meeting took place on 26th November at the Kraftwerk-Impact Hub in Zurich. The focus was on future topics and new solutions relating to AI in banking and open finance. At the top of the agenda: AI and generative AI (GenAI). The second focus of the evening was on open finance and multibanking, particularly with regard to the benefits for banks and customers.<\/p>\r\n              <div class=\"btn btn--arrowed\">Read article <\/div>\r\n            <\/a>\r\n          <\/div>\r\n\r\n                  \r\n  \r\n                    \r\n          \r\n          <div \r\n            class=\"article article--normal column aic\" \r\n            data-post-id=\"12355\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2024\/07\/20240723-Contovista-Blog-Post-AI-Principles_1-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/ai-as-a-competitive-edge\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">AI as a Competitive Edge<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>22.07.2024<\/span>\r\n                                <span>10 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>In this interview with Martin Biehler (Senior Data Scientist) and Ilario Giordanelli (Data Scientist), two of our AI experts, they discuss the background, principles and specific use cases on this topic. In addition: How can AI help banks and their customers? What principles need to be applied to ensure that the use of AI is not only productive and innovative, but also robust, ethical and safe?<\/p>\r\n              <div class=\"btn btn--arrowed\">Read article <\/div>\r\n            <\/a>\r\n          <\/div>\r\n\r\n                                 \r\n\r\n    <\/div>\r\n\r\n      \r\n   \r\n    \r\n  <\/div>\r\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Relevance, personalisation and customer-centricity are all buzzwords that are currently dominating the discussion about tomorrow\u2019s banking world. And rightly so! In order to successfully shape digital transformation, a fundamentally new approach to customers is required. <\/p>","protected":false},"author":3,"featured_media":2792,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news_latest-news"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/2791","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/comments?post=2791"}],"version-history":[{"count":27,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/2791\/revisions"}],"predecessor-version":[{"id":14763,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/2791\/revisions\/14763"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media\/2792"}],"wp:attachment":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media?parent=2791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/categories?post=2791"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/tags?post=2791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}