Bank
Prioritizes portfolio segments, materiality, risk and engagement goals. Defines owners, permissions and approvals.
ATPCarbon Banking
Decarbonization infrastructure.
For the bank and its clients.
A continuous platform to acquire data, calculate with defined methods, coordinate decisions and support the transition of financed clients. Move from disclosure obligations to the ability to understand, decide, engage and substantiate.
More than a report. A continuous portfolio operation.
Proposed architecture and rollout, subject to discovery and technical validation. Sources, integrations, asset classes, cadence and approval roles are defined with the institution. This does not imply certification, automatic compliance or approval of credit or financing.
01 / ACQUISITION AND COORDINATION
One shared cycle.
Different experiences for the bank and its clients.
Activity, energy, product, logistics and transition-plan information are distributed across clients and their value chains. Scaling requires coordinated interactions and evidence, not just another questionnaire.
Financed clients
Provide data, documents and evidence through an assisted journey, with structured tasks and contextual clarification.
02 / A CYCLE THAT IMPROVES WITH EACH ROUND
From data acquisition
to portfolio transition.
Coverage, quality and comparable history improve through successive cycles. Proxies remain identified and are prioritized for improvement.
- 01
Prioritize
Select segments, decisions, material issues and data gaps.
- 02
Acquire
Coordinate tasks, documents and evidence with clients and owners.
- 03
Validate
Normalize units, period, geography, category, source and quality.
- 04
Calculate
Execute the defined method with traceable factors and assumptions.
- 05
Decide
Review hotspots, coverage, uncertainty and alternatives under governance.
- 06
Engage
Define the next action with each client and monitor progress.
03 / INTELLIGENCE + METHOD
AI proposes.
The engine calculates.
Governance decides.
Probabilistic layer
Understand, guide and coordinate.
- Extract and classify data from authorized documents
- Identify gaps, anomalies and inconsistent responses
- Formulate clarification questions and suggest engagement actions
- Support scenarios and explain assumptions for human decisions
Deterministic layer
Calculate, reproduce and audit.
- Apply versioned formulas, boundaries, units and conversions
- Record factor, geography, period, methodology and assumptions
- Reprocess results consistently when the underlying data changes
- Connect evidence to calculation, approval and disclosure
Primary data is preserved where available. Secondary data and proxies cover justified gaps with source and quality identified. PCAF methods, official datasets and sources such as ecoinvent depend on applicability, version, licensing and contracted scope; they do not replace methodological validation or institutional responsibility.
EVIDENCE BY DESIGN
- 01Input and legal basis
- 02Source, coverage and uncertainty
- 03Rule, factor and version
- 04Owner and approval
- 05Indicator, evidence and history
04 / FROM DISCLOSURE TO TRANSITION
One carbon-data foundation.
Five banking decisions.
01 / Portfolio
Understand concentration and quality.
Map hotspots, coverage, proxies, intensity and change by sector, product, geography and client.
02 / Risk and credit
Bring climate into governed decisions.
Support scenarios and transition monitoring under bank-defined policies, limits and human approval.
03 / Clients
Turn collection into a service.
Structure diagnostics, inventories, data plans and decarbonization journeys for financed clients.
04 / Sustainable finance
Originate with evidence.
Identify opportunities and monitor criteria using verifiable data, without promising automatic eligibility or financing.
05 / Disclosure and assurance
Reproduce every number.
Connect results, methods, versions, approvals and evidence to support audit and governance.
Build the Carbon Data Asset.
History improves with each cycle. Data may be reused according to purpose, legal basis, consent where applicable and access rights — not as unrestricted permission to share information.
TasksDataIntelligenceDecisionsTransition
05 / START WITH A CONTROLLED SCOPE
Discovery first.
Then a pilot. Scale with evidence.
01 / Discovery
Proposed four-week engagement
Define segment, decisions, sources, owner, legal basis, architecture, calculation protocol, client journey and business case.
02 / Instrumented pilot
After scope approval
Run one cycle with clients, deterministic calculations, data-quality measurement, approvals and evidence.
03 / Portfolio scaling
After validating results
Expand based on participation, cost per cycle, quality improvement and actual use in decisions.
No pilot without exit criteria.
A material problem, a designated owner, accessible data, a deterministic method, a legal basis, human approval and success metrics must be agreed before proceeding.
Scope a portfolio discovery
Choose a portfolio.
Define the decision you need to improve.
Bring sustainability, risk, credit, business and technology teams together. We begin with value, data and governance before proposing a pilot.
Talk to SIAProposed discovery; scope, schedule and deliverables are subject to agreement with the institution. This is not a binding offer or a guaranteed fixed implementation timeline.