TY  - CHAP
U1  - Konferenzveröffentlichung
A1  - Urban, Sabrina
A1  - Moosbrugger, Nicola
A1  - Hellwig, Michael
A1  - Dobler, Martin
ED  - Meierhofer, Jürg
ED  - West, Shaun
ED  - Buecheler, Thierry
T1  - Sustainable smart services for financial institutions
BT  - A framework to support banks in ESG integration in the risk analysis process of loans
T2  - Smart Services Summit. Smart Services Creating Sustainability (SMSESU). Zurich, Switzerland. 21. October, 2022.
N2  - Through mandatory ESG (environmental, social, governance) reporting large companies must disclose their ESG activities showing how sustainability risks are incorporated in their decision-making and production processes. This disclosure obligation, however, does not apply to small and medium-sized enterprises (SME), creating a gap in the ESG dataset. Banks are therefore required to collect sustainability data of their SME customers independently to ensure complete ESG integration in the risk analysis process for loans. In this paper, we examine ESG risk analysis through a smart science approach laying the focus on possible value outcomes of sustainable smart services for banks as well as for their (SME) customers. The paper describes ESG factors, how services can be derived from them, targeted metrics of ESG and an ESG Service Creation Framework (business ecosystem building, process model, and value creation). The description of an exemplary use case highlighting the necessary ecosystem for service creation as well as the created value concludes the paper.
KW  - ESG
KW  - Sustainable Smart Service
KW  - SME
KW  - Financial institutions
Y1  - 2023
SN  - 978-3-031-36697-0
SB  - 978-3-031-36697-0
SN  - 978-3-031-36698-7
SB  - 978-3-031-36698-7
U6  - https://doi.org/10.1007/978-3-031-36698-7_15
DO  - https://doi.org/10.1007/978-3-031-36698-7_15
SP  - 143
EP  - 151
S1  - 9
PB  - Springer Nature
CY  - Cham, Switzerland
ER  -