Sage has built a Carbon Measurement API that allows banks and financial institutions to embed carbon accounting directly into their own platforms, helping them meet PCAF (Partnership for Carbon Accounting Financials) reporting standards by moving from estimated emissions data to more accurate, transaction-level figures. The platform integrates with major UK banks, including NatWest, whose Carbon Planner is powered by Sage’s technology and gives millions of UK businesses a personalised view of their emissions and practical steps towards net zero.
On this engagement, Appmilla’s CEO, James, worked closely with Sage’s product, engineering and data science teams, helping to bridge product strategy and technical delivery across the platform. A key focus was the AI driving the platform’s transaction classification: using a fine-tuned machine learning model for transaction classification and emissions estimation, as part of a supervised classification pipeline. The model uses supplier details, transaction descriptions, amounts, dates and nominal (accounting) codes to generate accurate category labels, which are then used to apply the correct emissions intensity factors – turning everyday accounting data into a reliable, automated estimate of a business’s carbon footprint.
“A key role in the successful delivery of large, complex technical API projects for our enterprise banking clients. James brought strong skills in stakeholder management, both internal and external, and was instrumental in navigating project timelines, legal and risk considerations, and cross-functional coordination.” – Dan Lewis, Director of Product, Sage