{"id":9914,"date":"2023-07-18T13:22:59","date_gmt":"2023-07-18T11:22:59","guid":{"rendered":"https:\/\/www.contovista.com\/how-do-co%e2%82%82-calculations-in-e-banking-work\/"},"modified":"2023-11-22T09:15:18","modified_gmt":"2023-11-22T08:15:18","slug":"how-do-co%e2%82%82-calculations-in-e-banking-work","status":"publish","type":"post","link":"https:\/\/www.contovista.com\/en\/news\/latest-news\/how-do-co%E2%82%82-calculations-in-e-banking-work\/","title":{"rendered":"How Do CO\u2082 Calculations in E-Banking Work?"},"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>18.07.2023<\/span>\n\n                        <span>9 min read<\/span> \n          <\/div>\n                <!-- Article data  -->\n\n        <!-- Titles  -->\n                              <h1 class=\"white\">Examples from practice:<\/h1>\n                   \n\n                <!-- Titles  -->\n\n        <!-- Description  -->\n                  <p class=\"white hero__info-description-desktop\">How Accurate Are CO\u2082 Calculations with the Carbon Footprint Manager?<\/p>\n                          <p class=\"white hero__info-description-mobile\">How Accurate Are CO\u2082 Calculations with the Carbon Footprint Manager?<\/p>\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\/2023\/07\/20230717-Contovista-Blog-CO2-Accuracy_ok-1.jpg\" \n            alt=\"contovista-co2-berechnung-im-co2-manager\"\n            caption=\"\"\n            description=\"\"\n            fetchpriority=\"high\">\n        <\/div> \n            <!-- Image \/ Lottie  -->\n\n    <\/div>\n  <\/div>\n<\/section> \n\n\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\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>Three practical examples<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><strong>Can bank customers contribute to achieving climate targets by making sustainable consumption decisions?<\/strong> The answer is a resounding yes! After all, households account for a whopping a <a href=\"https:\/\/ourworldindata.org\/co2\/country\/switzerland\" target=\"_blank\" rel=\"noopener\">big chunk of Switzerland&#8217;s domestic emissions<\/a>. However, the devil is in the details: who actually has an understanding, let alone an overview, of their carbon footprint?<\/p>\n<p>Interest is high, though, with around <a href=\"https:\/\/www.contovista.com\/en\/news\/studies\/banking-from-a-customers-perspective\/\">57% of respondents to a Contovista study stating they were interested in their carbon footprint<\/a>. With the Carbon Footprint Manager, Contovista offers consumers a precise tool for calculating their personal carbon footprint directly in their bank\u2019s mobile banking interface. We explain how the tool works using three concrete examples.<\/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>How Do CO\u2082 Calculations in E-Banking Work?<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>The uniqueness of Contovista&#8217;s solution, developed in collaboration with our partner Deedster, lies in its<strong> reliance on real transaction data<\/strong> directly from the customer&#8217;s bank account. Through this approach, we achieve a comprehensive and accurate calculation of the individual&#8217;s CO\u2082 consumption, providing near-real-time insights.<\/p>\n<p><strong>The carbon footprint calculation is based on two key factors:<\/strong><\/p>\n<ol>\n<li>Transaction data categorisation by Contovista<\/li>\n<li>Sustainability information sourced from our partner, Deedster<\/li>\n<\/ol>\n<p>The highly <strong>granular categorisation of transactions<\/strong> is made possible by Contovista&#8217;s data-driven banking expertise and digital linking with CO\u2082 data from the GreenTech Deedster.<\/p>\n<p><strong>Transaction data is broken down by categories and subcategories<\/strong> (approx. 240 subcategories). The <a href=\"https:\/\/www.contovista.com\/en\/products\/multibanking-for-retail\/\">multibanking option<\/a> also allows data from accounts at other banks to be included.<\/p>\n<p>For this purpose, Deedster uses high-quality, research-based Swiss climate data (CO\u2082 equivalent values, CO\u2082e), expressed in kilograms of CO\u2082e per Swiss franc, aligned with the national pricing landscape. The climate data comes from Deedster&#8217;s partnerships with Exiobase, WWF, Exponential Roadmap Initiative, and Race to Zero (UN), among others. We achieve a very high level of accuracy in calculations thanks to these multiple data sources. Nevertheless, there are still certain inaccuracies due to actual purchasing behaviour in individual cases.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<div class=\"container section\">\r\n  <a href=\"https:\/\/www.contovista.com\/events\/webinar-deedster-2023\/#video\" data-modal=\"modal-\" target=\"_blank\" id=\"\" class=\"btn btn--bordered btn--centered\">\r\n    Webinar Replay: CO\u2082-Footprint Calculation: Accuracy vs. Action! \r\n\r\n         \r\n  <\/a>\r\n<\/div>\r\n\r\n  \r\n\r\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>Example 1: CO\u2082 Calculation: Supermarket Shopping<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>When users go shopping at the supermarket and use their card to pay, the merchant can be recognized via the <strong>transaction analysis<\/strong>. The purchase is categorised as \u201cgroceries\u201d, with the average value of Swiss grocery shopping baskets used for the calculation.<\/p>\n<p>By <strong>drawing on corresponding national data from Deedster<\/strong> (e.g. 700g CO\u2082e \/ CHF), the carbon footprint of the purchase is calculated and can be included in a monthly analysis.<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<section class=\"image section logo-color logo-color-dark\" id=\"bsp_einkauf\">\r\n  <div class=\"container\">\r\n    <div class=\"image__wrapper\">\r\n\r\n  \r\n      <img decoding=\"async\" \r\n        src=\"https:\/\/www.contovista.com\/wp-content\/uploads\/2023\/07\/20230717-Contovista-Blog-CO2-Accuracy_infographic_EN.jpg\" \r\n        alt=\"Contovista-CO2-accuracyiinfographic_EN\"\r\n        caption=\"\"\r\n        description=\"\">\r\n\r\n              <p class=\"text14 dark-sky-80\">Image: Transaction-based calculation of Contovista&#8217;s CO\u2082 footprint shown fpr shopping<\/p>\r\n      \r\n      \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          <div class=\"textbox\">\r\n        <p><strong>In the future, consumers can make the informative value of the calculation even more precise by specifying their diet<\/strong>. For instance, meat eaters will receive the average value for Switzerland, whereas vegetarians, vegans, and other groups will receive appropriate factors that can be applied based on national values (e.g. factor 0.2 for vegans). To facilitate this, a lifestyle questionnaire is planned on our roadmap for 2024.<\/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>Example 2: CO\u2082 Calculation: Refuelling<\/h2>\r\n          <div class=\"textbox\">\r\n        <p><strong>The process is very similar for refuelling.<\/strong> The petrol station transaction is categorised by Contovista while Deedster provides the current average CO\u2082 contribution for each franc spent on fuel.<\/p>\n<p>There is one complication, however, namely that food is often bought and paid for at petrol stations. And these have very different CO\u2082 values than fuel. With this in mind, <strong>Contovista has developed an algorithm that categorises transactions below a certain threshold as purchases<\/strong>. In the future, it will also be possible to obtain an even more precise statement by specifying the type of fuel (diesel or petrol).<\/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>Example 3: CO\u2082 Calculation: Plane Tickets<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>The principle should hopefully be clear now: Contovista categorises the transaction type for airline ticket purchases and then calculates the CO\u2082 contribution using Deedster averages according to the transaction amount. <strong>And we&#8217;ve also come up with a few things for this to make the calculation even more accurate.<\/strong><\/p>\n<p>In the future, users will be able to specify which class they typically book. Due to the spacious seating arrangement, business class tickets generate greater CO\u2082 emissions than economy tickets. <strong>However, they are also more expensive, which is taken into account in the calculation.<\/strong><\/p>\n<p>Tomorrow\u2019s bank customers will also be able to specify the flight duration for each individual transaction categorised as a flight trip. <strong>This again significantly improves accuracy.<\/strong><\/p>\n<p>Many other details complete the calculation of the carbon footprint. For example, items that cannot be categorised are offset against a general average value, with cash withdrawals offset against the average for purchases. <strong>Basic user information, such as dietary habits, will be conveniently collected through questionnaires in the future,<\/strong> at least until flight providers or retailers provide more information about their shopping cart APIs.<\/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>Carbon Footprint Manager: A highly relevant offer for today&#8217;s bank customers<\/h2>\r\n          <div class=\"textbox\">\r\n        <p>The bottom line is that Contovista and the Swedish sustainability specialists from <a href=\"https:\/\/deedster.com\/\" target=\"_blank\" rel=\"noopener\">Deedster<\/a> deliver a forward-looking tool for data-driven banking that meets real customer needs with a personalised CO\u2082 calculation. <strong>This way, banks can position themselves as sustainable everyday partners for bank customers and thereby strengthen customer loyalty.<\/strong><\/p>\n<p>Additional tips, insights, and functions such as the personal CO\u2082 budget further increase the benefits. <strong>Deedster\u2019s data is updated every three months. Moreover, Contovista continuously improves the categorisation by regularly adding to the list of retailers<\/strong>. Would you like more details on the Carbon Footprint Manager?<\/p>      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\n\n\r\n<div class=\"container section\">\r\n  <a href=\"https:\/\/www.contovista.com\/en\/contact\/\" data-modal=\"modal-\" target=\"_self\" id=\"\" class=\"btn btn-- btn--centered\">\r\n    Contact our experts \r\n\r\n         \r\n  <\/a>\r\n<\/div>\r\n\r\n  \r\n\r\n  \n\n \r\n<section class=\"section articles logo-color logo-color-dark\"  > \r\n  <div class=\"container\">\r\n      <h2>  \r\n      You might also be interested in    <\/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=\"64\">\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=\"15404\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2026\/02\/20260204-Contovista-Blog-Winterrelease2026_EN-1-824x436.png)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/aktuelles\/news\/winter-release-2026\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Winter Release 2026<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>09.02.2026<\/span>\r\n                                <span>4 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>The Winter Release 2026 improves the subscription overview in digital banking and the transaction detail view, making recurring payments visible earlier and transactions clearer. This increases transparency for customers and provides a better basis for well-informed decisions and next steps in everyday digital banking.<\/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=\"15358\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2026\/01\/20260113-Contovista-Blog-Client-Analytics-AI-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/ai-in-banking-boundless-potential\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">AI in Banking: Boundless Potential?<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>24.12.2025<\/span>\r\n                                <span>8 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>AI is the mega-trend of our time. 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LUKB is thus laying the foundation for open banking in the retail sector and sending a clear signal to the market: multibanking is not the future, but the present.\r\n<\/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=\"13473\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/10\/20251024-Contovista-Linkedln-MB_2-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/multibanking-for-retail-to-launch-shortly\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Multibanking for retail to launch shortly<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>30.10.2025<\/span>\r\n                                <span>5 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Multibanking for private individuals in Switzerland will be launched shortly &#8211; with Contovista, banks are perfectly prepared. As the Swiss pioneer in multibanking, we are implementing multibanking solutions that enable efficient financial management across different bank accounts. 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New highlights such as Smart Balance Optimizer, natural language search, subscription features for SMEs and the enhancement of the Carbon Footprint Manager show that our AI solutions continue to evolve.<\/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=\"14390\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/07\/20250708-Contovista-Blog2-Sommerrelease-2025-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/smart-balance-optimizer\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Smart Balance Optimizer<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>16.07.2025<\/span>\r\n                                <span>5 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Contovista introduces Self-Driving Money to Digital Banking. 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Automatic, understandable and under the control of users at all times.<\/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=\"14071\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/07\/20250623-Contovista-Blog-build-or-buy_header-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/make-or-buy\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">The fastest way for banks to leverage the potential of transaction data<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>15.07.2025<\/span>\r\n                                <span>10 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Should financial institutions build the necessary AI capabilities for transaction data analysis themselves &#8211; or would they rather buy in some external solutions? We analyze the critical \u201cbuild or buy\u201d question!<\/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=\"13801\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2025\/05\/Rene_kohler2-824x436.png)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/contovista-interview-bilanz\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">Interview with Ren\u00e9 Kohler<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>29.05.2025<\/span>\r\n                                <span>11 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>In an exclusive interview, Unit Head Ren\u00e9 Kohler explains how the innovative solutions from Contovista generate value add for both financial institutions and their customers. 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                    \r\n          \r\n          <div \r\n            class=\"article article--normal column aic\" \r\n            data-post-id=\"12384\"> \r\n            <div  \r\n              class=\"article__image\" \r\n              style=\"background-image:url(https:\/\/www.contovista.com\/wp-content\/uploads\/2024\/07\/20240709-Contovista-Blog-Post-EE-Integration-PFMBFM_header-824x436.jpg)\">\r\n            <\/div>\r\n            <a href=\"https:\/\/www.contovista.com\/en\/news\/latest-news\/contovista-ai-finance-manager\/\" class=\"article__info\">\r\n              <h3 class=\"fw700\">AI Finance Manager<\/h3>\r\n              <div class=\"article__data flex row aic\">\r\n                <span>12.07.2024<\/span>\r\n                                <span>9 min read<\/span>\r\n              <\/div>\r\n \r\n              <p>Contovista presents the new AI Finance Manager &#8211; The benefit for financial institutions: They can utilise productive functions via integrated client analytics features based on AI. The advantage for end customers: AI-based features are also conveniently available through PFM (private customers) and BFM (business 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    <\/div>\r\n\r\n      \r\n   \r\n    \r\n  <\/div>\r\n<\/section> \n\n\r\n<section \r\n  style=\"background: linear-gradient(90deg, rgba(34, 236, 187, 0.5) 0%, rgba(6, 78, 96, 0.5) 28.12%, rgba(0, 41, 75, 0.5) 100%),url(https:\/\/www.contovista.com\/wp-content\/uploads\/2022\/09\/placeholder-product.png);background-position: center; background-repeat:no-repeat; background-size: cover;\"\r\n  class=\"section contact contact--diagonal-down contact--footer-stick logo-color logo-color-white\"  >\r\n  <div class=\"container\">\r\n    <div class=\"contact__wrapper\">\r\n          <h2 class=\"white\">Noch nicht alle Fragen beantwortet? Sprich mit uns.<\/h2>\r\n          <p class=\"fw700 white\">Not all your questions answered yet? Talk to us.<\/p>\r\n\r\n      <!-- Button  -->\r\n       \r\n                  <a href=\"https:\/\/www.contovista.com\/en\/contact\/\" class=\"btn btn--gradient\" data-modal=\"modal-contacts\" target=\"_self\">\r\n        Contact our experts \r\n        <span class=\"btn--gradient--span1\"><\/span>\r\n        <span class=\"btn--gradient--span2\"><\/span>\r\n      <\/a>\r\n      \r\n            <!-- Button  -->\r\n\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/section>","protected":false},"excerpt":{"rendered":"<p>With the Carbon Footprint Manager, Contovista offers consumers a precise tool for calculating their personal carbon footprint directly in their bank\u2019s mobile banking interface. We explain how the tool works using three concrete examples. <\/p>","protected":false},"author":4,"featured_media":9778,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-9914","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\/9914","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\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/comments?post=9914"}],"version-history":[{"count":8,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/9914\/revisions"}],"predecessor-version":[{"id":11294,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/posts\/9914\/revisions\/11294"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media\/9778"}],"wp:attachment":[{"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/media?parent=9914"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/categories?post=9914"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.contovista.com\/en\/wp-json\/wp\/v2\/tags?post=9914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}