Despite growing recognition of significance, a business’s Scope 3 emissions remain rarely measured and as a result are poorly understood. This situation is particularly common amongst small and medium-sized enterprises (SMEs), which face additional obstacles to emission measurement. With this paper, we present a transaction-based approach to facilitate SME Scope 3 engagement. Using financial transaction data for 150,000 + UK S...

We present a novel statistical model for predicting Scope 1 and 2 emissions for small and medium‐sized enterprises (SMEs). Trained on financial transaction data from over 100,000 UK SMEs, the model targets a business segment excluded from formal emissions reporting and often under‐engaged in sustainability efforts. By leveraging scalable, objective data, our approach offers an accessible alternative to existing methods that re...

Designing effective and targeted policies to reduce household emissions needs to consider variability in household consumption patterns, preferences, and financial capacities. This paper introduces a new segmentation model of household carbon footprints that uses financial transaction data from over 700,000 customers of a major high‐street bank. Our approach considers socioeconomic, consumer‐preference, and spatial factors to...