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Welcome to Cogo’s content hub, the place where you can find blogs, reports and the latest news on carbon management, behavioural science, green banking, and more.

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Banks recognise the need to align their offerings with growing consumer demand for sustainability. But despite efforts, many struggle to effectively embed green products and services into their offerings, hindered by outdated systems and a lack of customer data.

5.3.24
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2
 min read.
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16th May 2024: OTP customers are showing just how keen they are to measure their carbon footprint with over 600,000 visits to the bank’s carbon tracker in its first six months. The opt-in feature is powered by the green fintech, Cogo’s, carbon footprint methodology which is seamlessly integrated into the banking experience.

9.5.24
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 min read.
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TLDR: As public concern about ‘greenwashing’ grows, there is a tendency for businesses to stop communicating their climate initiatives (greenhushing) or even shut them down. Greenhushing is a significant threat to climate progress; and it’s time for businesses to proudly communicate their legitimate efforts.

27.2.24
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4
 min read.
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7th May 2024: Cogo, the sustainability fintech, that works with banks to help customers lower their carbon footprint, has established a new partnership with Bantotal, the customer centric banking platform.

7.5.24
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2
 min read.
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The Cogo team calls for faster action against climate change as banks gather at Money20/20.

4.6.24
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2
 min read.
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In 2025, climate reporting will no longer be optional for listed and large non-listed companies in Singapore. The specific obligations for different businesses will be phased in over time; but will include Scope 3 emissions.

29.4.24
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2
 min read.
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17 April 2024: Carbon footprint tracking expert Cogo has announced a partnership with Personetics, the global leader in AI-based personalised engagement platforms for financial institutions, to make it easier for banks to provide their customers with climate-conscious banking solutions.

22.4.24
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3
 min read.
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Labelled the ‘most disruptive generation ever’ by the Bank of America, Gen Z is reshaping the consumer landscape. In this blog, we explore the key factors driving this generation and how financial institutions can adapt and engage these consumers.

19.4.24
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Measurement is an important first step in a business’s journey towards carbon reduction. But the perceived complexity of measuring carbon emissions often stops SMEs before they’ve even started. The spend-based method offers a simple, speedy, cost-effective solution for businesses.

3.4.24
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3
 min read.
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Explore how Cogo’s innovative user experience (UX) design helps improve people’s awareness and understanding of their environmental impact, ultimately inspiring more effective climate action.

27.3.24
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2
 min read.
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20th February 2024: Cogo and NatWest have launched a new easy-to-use toolkit to help SMEs meet increasing pressure on climate reporting.

21.2.24
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1
 min read.
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We’ve launched a new personalised climate action feature in the NatWest carbon tracker. Discover how this new update increases engagement, develops carbon literacy and helps NatWest's 8 million customers take more meaningful climate action.

1.3.23
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2
 min read.
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Most people recognise the scale of climate change and the need to take action, but they don’t know where to start. It’s a complex subject, and many feel overwhelmed by the sheer amount of information. This ironically leads to disengagement rather than action. Keep reading to find out how Cogo engages people on their sustainability journey and drives meaningful behaviour change.

2.2.24
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3
 min read.
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The UK has set ambitious targets, aiming to cut emissions by 67% by 2030 and achieve net-zero emissions by 2050. Among the various sectors contributing to carbon emissions, one stands out as both a challenge and an opportunity: our homes. This blog explores why banks should lead the way in decarbonising homes.

26.1.24
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3
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The financial landscape is rapidly evolving, driven by fintech innovations and an increasing focus on sustainability. In this exclusive interview with Innovate Finance, we explore the trends, challenges, and opportunities that are expected to shape the finance industry in 2024.

20.1.24
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3
 min read.
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We live in a critical decade to address the climate crisis. Urgent collective action is needed to reduce greenhouse gas emissions and mitigate the impact of climate change. It is only through cooperation and collaboration at all levels of society that we can hope to address this challenge and protect our planet for future generations. In this blog, we explore the power of collaboration between fintechs and banks to facilitate more urgent and effective climate action.

20.12.23
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2
 min read.
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Climate FinTech Cogo is celebrating placing first in HKMA's Green Fintech Competition in the ‘Net-zero Transition / Transition Planning’ category. The judging panel commented on Cogo’s potential to address the pain points of the Hong Kong banking sector; and exceptional efforts and contribution to the green fintech space.

12.12.23
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2
 min read.
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The recent World Climate Action Summit at COP28 marked a pivotal moment as 121 countries committed to the Global Pledge on Renewables and Energy Efficiency. This pledge aims to triple renewable energy capacity and double the rate of energy efficiency improvements by 2030. Now, the focus turns to how to achieve these ambitious targets.

8.12.23
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2
 min read.
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Climate health and financial well-being are linked on both a global and personal level. This blog explores how climate change affects vulnerable communities and economies and the role financial institutions play in mitigating the impact. We also dive into banks' role in empowering individuals to reduce their carbon footprint and consequently improve their financial well-being.

2.12.23
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 min read.
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In today's digital age and with the rise of neo-banks, customers seek more engaging and interactive banking experiences. This shift presents traditional banks with a challenge: how to retain and actively engage their customers.

1.12.23
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2
 min read.
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As we approach COP28, it’s a pivotal moment for reflection and action in the ongoing fight against climate change. The harsh reality is that individual efforts, while valuable, are not sufficient in isolation. The climate crisis calls for a unified, collective response, where individual behaviour change, local initiatives, and global movements combine into a powerful force for change.

29.11.23
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2
 min read.
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Money20/20 USA calls itself The world's biggest, most influential gathering of the global money ecosystem. In 2023, Money20/20 Vegas was no exception as financial leaders converged to explore not only today’s but also tomorrow’s trends in innovation and ideas. Although ‘sustainability’ and ‘climate’ came up only once on the ‘official’ show agenda, there was encouraging interest in planet-friendly banking innovation, with Cogo there to push the innovation wave forward… 

9.11.23
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3
 min read.
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Small and medium-sized businesses (SMEs) are critical in the collective fight against climate change. But without a clear pathway to measure and report carbon emissions, their potential impact is limited. It’s like navigating without a map—it’s difficult to identify the best course of action and impossible to share progress.

7.11.23
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2
 min read.
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It’s been another week of extreme weather events, with storms raging across the UK and other parts of the world. As people are increasingly feeling the effects of climate change, there is a growing desire among banking customers to understand and reduce their environmental impact.

4.11.23
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1
 min read.
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The clock is ticking. To avoid the worst impacts of climate change, we need to reduce emissions by 45% by 2030 and reach net zero by 2050. Achieving these targets requires global systemic change and a collective effort from individuals, governments and businesses. In this blog, we explore the crucial role of SMEs in the transition to net zero and the support banks can provide in overcoming barriers to climate action.

16.5.22
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1
 min read.
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Want to align your business with global climate goals and stay ahead of the curve? Setting science-based targets can be your roadmap to a sustainable future and business success. Keep reading to find out how.

6.9.23
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3
 min read.
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Global carbon footprint management fintech, Cogo, today announced that its carbon footprint management software is now listed on AWS Marketplace, a digital catalogue with thousands of software listings from independent software vendors that make it easy to find, test, buy, and deploy software that runs on Amazon Web Services (AWS).

7.2.23
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2
 min read.
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Cogo will exhibit at the very first City-Tech.Tokyo innovation event from 27 to 28 February in Tokyo, Japan.

27.2.23
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 min read.
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Cogo is partnering with Eliq - the experts in making sense of energy data - to inform and support banks and their customers as they navigate the challenges faced by climate change and the cost of living and energy crises.

31.3.23
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 min read.
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People are more motivated by sustainability impact than financial savings when it comes to making greener lifestyle choices, according to new behavioural research by carbon footprint management experts, Cogo.

31.3.23
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 min read.
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Carbon footprint management fintech Cogo, which works with banks to help customers measure, understand and reduce their carbon impact, has announced that it’s won in the Exporter of the year category at the ExportNZ ASB Wellington Export Awards.

9.6.23
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We’re excited to announce the launch of our Business Carbon Manager on the Xero App Store in the UK. Our goal? To empower small and medium-sized enterprises (SMEs) to measure, reduce, and transparently report their carbon footprint.

4.9.23
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2
 min read.
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Green banking

Climate change

5 ways ESG creates value for banks

Changing regulations, coupled with the rise of sustainable investment and conscious consumerism has put pressure on banks to be more transparent about measuring their environmental, social and governance-related risks. In this blog, we explore what ESG reporting is, why it’s important, and how a strong ESG proposition can create value for banks.

12.4.22
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3
 min read.
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In the climate innovation race, American banks are losing ground faster than the icebergs are melting and if they don’t mobilise fast enough, they won’t be able to catch up.

30.8.23
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3
 min read.
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NatWest, in partnership with Cogo, has implemented a new “feedback and cues” feature in its carbon tracker. Keep reading to find out how it works and how it deepens customer engagement and encourages more effective climate action.

22.7.23
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2
 min read.
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Dive into our actionable guide to measuring your business's carbon footprint. From understanding reporting requirements to choosing the right tools, we'll lead you through every step.

22.8.23
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3
 min read.
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The UK government's carbon reporting regulations require large organisations to report their carbon footprint. With increasing emphasis on supply chain emissions, these regulations indirectly influence SMEs. Our research revealed many small business owners are struggling to navigate this regulatory landscape. So, this blog aims to demystify carbon reporting requirements for UK businesses.

14.8.23
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3
 min read.
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Carbon accounting offers a dual-benefit solution, enabling businesses to reduce their carbon footprint and cut costs. Read this blog to find out how.

8.8.23
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 min read.
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“You can’t manage what you can’t measure” is a common phrase in business. It means you can’t be successful at something unless that success is defined and tracked. At Cogo, we believe measuring your carbon emissions is the starting point to achieving positive impact for your business. Discover how carbon accounting can help you unlock this potential.

3.8.23
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3
 min read.
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By embracing ‘diversity’, it’s possible to create a dynamic, innovative and inclusive work environment that thrives on the strengths and potential of each individual.

31.7.23
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3
 min read.
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The Financial Conduct Authority's (FCA) Consumer Duty comes into force on 31 July 2023 in the UK. The duty aims to set higher standards of care for customers. The new set of rules will drive a major shift in the financial services sector. In this article, we outline what Consumer Duty is, its impact on Environmental, Social and Governance (ESG) practices, and how banks can meet the new requirements.

27.6.23
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2
 min read.
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The ‘invisible’ cloud - a pragmatic approach to reducing Scope 3 emissions from cloud computing According to the GHG Protocol corporate standard, a company's greenhouse gas emissions can be classified into three ‘Scopes’. Scope 1 and 2 are mandatory to report, whereas scope 3 is mostly voluntary and the hardest to monitor. For this reason, they’re often referred to as the ‘invisible’ carbon footprint. This post delves into what Scope 3 emissions are and a pragmatic approach to effectively managing them - drawing from Cogo’s own experience with its cloud carbon footprint. TLDR: It’s easier than you think!

4.7.23
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6
 min read.
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Our mission at Cogo is to empower hundreds of millions of individuals and businesses to measure, understand and reduce their impact on the environment. We’re attending Money20/20 Amsterdam to spread this message and inspire the banking industry to take climate action. Discover how we plan to tell our story through our sustainable stand design.

2.6.23
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3
 min read.
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The banking and finance sectors globally face broad spectrum key regulatory changes around climate. Hong Kong and Greater China are no exception with an impending tightening in regulations surrounding ESG fraud and greenwashing.

22.5.23
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2
 min read.
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We’re collaborating with NayaOne to allow banks to test our carbon management solutions in a sandbox environment quickly and efficiently. Helping to drive innovation for banks.

15.5.23
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2
 min read.
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In the second Q&A interview in our partnering for change series, we talk to Hugh Walcott: technology consultant, entrepreneur and co-founder of climate-tech startup SilverLining.eco. We dive into his personal sustainability journey, the increasingly important role digital technologies have in achieving sustainability, and how SilverLining's partnership with Cogo sets a new precedent for reducing the world’s digital carbon footprint.

28.4.23
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4
 min read.
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Traditionally, fintech and banking product marketing teams are constantly ideating to come up with new and innovative offerings to entice consumers. However, what if the script was flipped and customer feedback and requirements were leveraged to inform the ideation and planning of new product launches?

1.6.22
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5
 min read.
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On an individual scale, small businesses have a relatively small carbon footprint. But collectively, these businesses have a significant impact on people and the planet.

13.6.22
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1
 min read.
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Money20/20 is the biggest conversation in fintech. It’s the event where executives, innovators and disruptors from across the world come together to shape the future of finance. This year, the Cogo team was part of the conversation. Read our blog to find out what we had to say and discover some of our key takeaways from the event.

28.6.22
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4
 min read.
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At Cogo, we’re united by our mission to create a fairer and more sustainable world. We’re a passionate group of people who believe in the power of collective action. And we are driven to empower and inspire everyone to be more sustainable. So, we’re starting a series where our team shares some of the changes they are making to reduce their carbon footprint, however big or small. Plus, tips on how you can too.

12.7.22
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7
 min read.
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At Cogo, we believe that rested people are happy people. Our Founder and Global CEO, Ben Gleisner, is a big advocate for the benefits of a balanced approach to work and life, and recently shared some tips and insights on how he manages to prioritise mental and physical health, family and home life without compromising on performance in our fast-paced environment.

19.7.22
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5
 min read.
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Cogo’s research reveals that the higher someone’s carbon literacy, the greater the likelihood of them taking climate action. Read our latest report to uncover these original insights and discover how banks can improve their customer’s carbon literacy.

8.8.22
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2
 min read.
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With recent demand around sustainability and the increasingly important role businesses have to play in the transition to a low-carbon economy, there is a significant opportunity for banks to lead the change and help businesses lower their carbon footprint.

6.9.22
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3
 min read.
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Do marketers have a responsibility to take climate action? Read our Head of Marketing's thoughts and discover his top tips for reducing your marketing function's carbon footprint.

26.9.22
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4
 min read.
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Carbon footprint technology integrated into banking apps could drastically reduce America’s emissions - but will require ‘behavior change’ from some of the country’s biggest players.

24.10.22
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2
 min read.
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Last month, the Cogo team travelled to Las Vegas to attend Money20/20, the biggest conversation in fintech. The event is all about the future of the industry, so we went to make sure climate change was at the forefront of fintech innovation.

14.11.22
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2
 min read.
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Cogo partners with NewDay to empower Bip credit card customers to manage their carbon footprints. Keep reading to learn more about the partnership.

16.11.22
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2
 min read.
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As global leaders gathered in Egypt for COP27 over the past two weeks, it became clear that the only way out of the climate crisis is together. This week, as the conference is aptly followed by International Leadership Week, we’re sharing how business leaders can think beyond their teams and organisations to the communities and collaborators that will make positive climate action and goals possible.

22.11.22
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2
 min read.
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Following COP27, we gathered leading sustainability experts to discuss how banks can play a more urgent role in the climate transition. Keep reading to discover some of the key insights from the conversation between Gary Kendall, Head of Climate Strategy Implementation at Natwest, Paul Watchman, Special Legal Adviser for UNEP, Jonathan Ward, Senior Carbon Impact Manager at Cogo and Madhvi Mavadiya, Head of Content at Finextra.

7.12.22
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3
 min read.
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At Cogo, we believe that climate action is a team sport. In our partnering for change series, we sit down with some of our valued partners to talk about the importance of forging purposeful connections to help drive change, their sustainability journeys, and why collective action is key to changing the world.

12.12.22
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2
 min read.
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We don’t need a crystal ball to predict that economies globally will likely get worse before they get better; or that energy prices and interest rates will continue to rise. But what does it all mean for the climate; consumers and banks? Emma Kisby, Cogo’s CEO UK/EU; and Julie Lindenberg, Cogo’s CEO APAC, sat down recently to discuss the themes they believe will play out over the months ahead and what it will take for us all to achieve lasting change.

21.12.22
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 min read.
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Ben Gleisner wins Most Impactful Entrepreneur at the Pacific Basin Economic Council - Environment Social & Governance Awards 2022-2023

16.1.23
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2
 min read.
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We’re proud to announce that we have successfully recertified as a B Corporation and improved our B Impact Score! Keep reading to find out how.

28.1.23
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2
 min read.
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This week, we’re celebrating International Women’s Day, with this year’s theme focusing on #EmbracingEquity.

9.3.23
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2
 min read.
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Is there a way to travel the world sustainably? Could the long road be better for the environment? Can businesses support their employees to travel more sustainably? Our latest blog attempts to answer these questions, and our Cogoers share their own sustainable travel experiences.

17.3.23
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4
 min read.
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We've joined forces with Eliq to integrate energy data into the online banking experience and support banks and their customers as they navigate the challenges faced by climate change and the cost of living crisis.

6.4.23
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2
 min read.
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Discover how Cogo empowered 8 million NatWest customers to measure and reduce their carbon footprint

“Our use of Cogo’s expertise in carbon tracking in the NatWest app is a really important first step in making it easy for everyone to live and spend in a greener way – using the power of their money to influence change.

David Lindberg, CEO,

Retail Banking at NatWest

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