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How banks and FinTechs can collaborate to engage customers to accelerate decarbonisation
Journal of Digital Banking,
10
(1),
75-86
(2025)
Abstract
As major players in the global economy, banks are uniquely positioned to facilitate the transition to net zero. However, achieving meaningful impact requires overcoming complex challenges, including data integration, customer engagement and regulatory compliance. This paper explores how partnerships with green FinTechs can support banks to overcome these obstacles, mitigate risks and unlock new opportunities for innovation and growth, ultimately enabling decarbonisation and securing long-term success. This article is also included in The Business & Management Collection which can be accessed at https://hstalks.com/business/.
Keywords: green FinTech; sustainability; customer data analytics; behavioural science; decarbonisation; climate literacy; intention-action gap; climate action; financial services
The full article is available to subscribers to the journal.
Author's Biography
Emma Kisby is the CEO of Cogo, a green FinTech business that specialises in creating personalised carbon footprints for individuals and small businesses. Cogo’s solutions analyse spend-based data and combine it with sustainability data to provide personalised insights to banking customers, enabling them to measure, understand and reduce their carbon emissions. She is an experienced business leader who has spent her career assisting many FTSE 100 businesses to transform their customer data and behavioural science into commercial value, including being a member of the founding team of i2c — a data analytics business set up for Sainsbury’s in 2012. While working for the Virgin Group, she identified her personal purpose of using data for good. This led to a shift in her career focus, where she utilised data and behavioural science to develop and scale tools aimed at tackling the climate crisis.
