From Transactions to Transformation

Since 2018, Bember has helped banks digitise the transactions that connect customers, merchants, and financial systems. By eliminating paper receipts, mailed invoices, and manual handling, banks have streamlined operations, reduced costs, and improved data quality. What began as an efficiency upgrade has become a foundation for how banks manage data integrity and automation in their sustainability work.

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As sustainability regulation becomes core to finance, that same foundation now strengthens how banks understand and manage their loan portfolios. Under SFDR, the EU Taxonomy, and the European Sustainability Reporting Standards (ESRS), banks must assess the environmental performance of the assets behind their loans. Buildings, in particular, face growing scrutiny for emissions, energy use, and resilience.
Bember’s experience across financial and building performance data gives banks a clear edge. The same verified information that helps property owners meet ESG obligations enables banks to classify green assets, meet SFDR requirements, and make faster, better-informed lending decisions. Continuous, reliable data supports early action when performance declines—reducing exposure to regulatory and market risk. It also strengthens borrower relationships and accelerates the growth of green loan portfolios.

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Beyond portfolio classification, banks now face the need to account for Scope 3 emissions—those linked to the assets they finance. For real estate lending, this means tracing energy use, carbon intensity, and upgrade progress across the properties behind each loan. The same verified data used for borrower compliance can also underpin financed-emissions disclosure under ESRS E1 and the EU Taxonomy. With consistent, building-level information, banks can replace modelled estimates with real operational data, improving accuracy and transparency while identifying early signs of stranded-asset risk as buildings fall short of efficiency or regulatory thresholds. This makes sustainability data a direct input to credit risk management and portfolio steering.

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By partnering with Bember, banks gain clarity and control in a shifting regulatory landscape. The result is more than compliance: it’s the ability to turn sustainability data into financial value—transforming how banks grow, compete, and contribute to a low-carbon economy.

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