Our sustainable business strategy aligns with and supports our purpose and business model, helping us add value for our stakeholders. It sets out our approach to our most material environmental, social and governance (ESG) opportunities and risks.
Helping people improve their financial health enables them to get fairer access to credit and the essentials they need to transform their lives — from having a home or building their business to paying for education and healthcare. This in turn drives social and economic development and contributes to three of the United Nations Sustainable Development Goals, including helping to lift people out of poverty.
Our focus on improving financial health also supports the long-term success of our business. Increasing financial inclusion creates millions of potential new consumers for us and our clients. It generates new revenue streams, and drives innovation. Being a purpose-driven business attracts & retains talent, and motivates employees. It enhances our reputation and strengthens stakeholder relationships.
Delivering these positive impacts for society and our business depends on our ability to access and use data from individuals and businesses around the world. Treating that data with respect is essential to maintain trust — and failure to keep it secure is one of our biggest business and ESG risks.
One of our core beliefs is that how we work is as important as what we do, and our strategy is built on a strong culture of corporate responsibility. We aim to inspire and support our people by embracing and developing diverse talent and creating an inclusive working environment that supports high performance. We’re committed to working with integrity, and we strive to do our part to protect the environment and tackle climate change.
Find out how we’re working to improve financial health for all.
Find out how we’re championing DEI for our people, our clients and consumers, and communities.
Read the Sustainable Business section of our annual report for an update on our ESG performance.
Find out how we’re helping tackle climate change and reducing our impact on the environment.
*Includes all Scope 1 and 2 emissions, as well as Scope 3 emissions from purchased goods and services, business travel and fuel- and energy-related activities (which represent 83% of our baseline emissions in Scope 3) in line with the boundaries covered by our Scope 3 target approved by the Science Based Targets initiative (SBTi). Once we have achieved our SBTi-approved targets, we will invest in high-quality carbon offsetting projects to offset the remaining Scope 1, 2 and 3 emissions within the boundaries of our SBTi-approved targets to achieve carbon neutrality in our own operations by 2030.
**Also known as ‘well-to-tank’, is an average of all the greenhouse gas emissions released into the atmosphere from the production, processing and delivery of a fuel or energy.