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Eco Track™

Empower SMEs with Effortless Carbon Accounting

Turn complex Scope 3 reporting into a seamless, automated process—so your SME clients stay compliant, save time, and unlock new green-financing opportunities.

Tapix Scope 3 reporting for eco-conscious banking with carbon footprint tracking features
From Reporting Burden to Automated Emissions Transparency

Large corporations must report emissions that often stem from their SME suppliers, forcing smaller firms to supply Scope 1 and 2 data and grapple with labor-intensive Scope 3 calculations.

SMEs don’t need costly software to comply—our automated carbon accounting tool streamlines Scope 1–3 reporting, turning manual work into effortless accuracy

Why include carbon accounting in your product portfolio?

Streamline Scope 3 Compliance

Automate the collection and calculation of upstream emissions from SME spending, ensuring clients meet regulatory requirements without manual overhead.

Automated emission tracking from SME spending

Unlock New Revenue Streams

Offer a value-added SaaS tool that banks can monetise through subscriptions or premium tiers—boosting fee income while helping SMEs to go green.

Line from Awareness to Monetisation.

Enhance Client Retention

Deliver a turnkey carbon-accounting solution that embeds your bank at the heart of clients’ sustainability journeys, deepening loyalty and reducing churn.

Gauge visual with red to green gradient showing range from 'Unaware' to 'Loyal'.

Drive Responsible Lending

Leverage real-time carbon insights to underwrite green loans more accurately, positioning your bank as a leader in sustainable finance.

Outcomes of sustaiable finance: renewable energy financing, green quarantees, green car loans.

How to deliver carbon accounting
to your clients?

Carbon Footprint per Transaction

Equip your SME clients with detailed CO2 data at the point of sale—empowering them to demonstrate eco-friendly practices to their stakeholders.

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Transaction-Level Estimates: Calculate the carbon footprint for every expense line item.
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Localized Emission Models: Adjust calculations automatically to country-specific factors.
Carbon footprint per transaction in banking app
75+ sustainable and customizable B2B tags and 21+ B2B custom label categories

Sustainable Tagging & Insights

Identifying transactions based on the nature of the shops and the products they sell, enabling users to make sustainable choices effortlessly

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Predefined Tag Library: Instantly classify transactions by eco-friendly category.
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Custom Tags & Categories: Let clients tailor tags to their unique sustainability goals.

Exceed MCC categorisation

Precision in carbon footprint calculation is strongly influenced by precision of categorisation. Standard models focus on estimation of CO2 multipliers for individual categories.

However, accuracy of underlying categorisation is out of the scope.

** Model showcase - Based on the general EU model. Example of €50 spent. Our approach is ready for CO2 tracking on the merchant level once possible.

CO₂ emissions in the MCC model

Integrate responsible banking holistically into your core business activities.

Discover other data solutions that amplify your ESG activities and help you reach your business goals.

Banking app UX with merchant logos, GPS-based transaction location, and spending insights

Be a step ahead

Success stories
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How Raiffeisenbank Czech Republic displays the transactional carbon footprint of more than 1M+ clients with Tapix

Raiffeisenbank in the Czech Republic has been working with Tapix for five years to improve transaction categorisation, merchant recognition and payment enrichment. At a time when sustainability is an important topic for banks and consumers, Raiffeisenbank has integrated the Eco Track™ product to offer a view of the estimated transactional carbon footprint of payments to more than 1 million customers who actively use mobile banking.
Success stories
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Tapix EcoTrack launched in bunq app

In an exciting move towards promoting sustainable practices and empowering users to make eco-conscious decisions, bunq has successfully integrated Dateio's latest product, Tapix EcoTrack, into its banking app. This integration marks a significant step forward in fostering collaboration between two industry leaders and revolutionizing the way consumers engage with their carbon footprint.
Industry insights
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Responsible Banking Done Right: The Top 5 Banks and How They Lead

In recent years, more and more banks and financial institutions focus on sustainability as a core component of their operations. This shift towards responsible banking (also known as ethical banking) is mostly a response to the pressing global challenges of climate change, social inequality, and environmental degradation.

Switch to Tapix today!

Explore how Tapix can help you get the most from transaction data, increase your app engagement and turn UX into your competitive advantage.

mobile banking app before and after transaction data enrichment