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Keewe was born out of an initial question: how can we ensure that SMEs that have neither the human resources, nor the time, nor the financial resources are able to kick-off their ecological transition?

Taking this crucial turn means transforming the company's activity to be greener: reducing the compnay's GHG emissions.

Before planning your action plan to reduce your GHG emissions, it is necessary to measure them in order to understand where, in the company's lifecycle, these emissions are located. This is the famous triptych "count to know, know to act, act to reduce".

However, in France, only companies with more than 500 employees must carry out a greenhouse gas emissions assessment (also known as a regulatory BEGES report), leaving out all the SMEs and a large proportion of the Mid-Cap corporates. It is therefore not surprising that over 70% of SMEs have never heard of carbon accounting!

In this case, it is difficult to commit to the ecological transition, let alone make it a success!

However, France has commited to reaching carbon neutrality by 2050. Consequently, SMEs, which account for 15% of the country's GHG emissions, cannot be left out of the ecological transition for much longer. This is already being confirmed. The Economic, Social and Environmental Council (ESEC) notes, for example:

"Carbon accounting is a privileged instrument for making progress towards carbon neutrality. Public or private companies, through their procurement policy, will also increasingly expect from small companies or networks of subcontractors to align with more stringent low carbon requirements. This is already the case in the most integrated industries such as aviation or the automobile.

However, carrying out a carbon footprint assessment is expensive, and this is therefore a blocking factor for SMEs.

We started with a strong fact: 56% of France's carbon footprint comes from international trade. This is logical: international trade usually means manufacturing in countries where the energy mix is carbon-intensive and transporting goods around the world, which of course generate GHG emissions.

From this point on, our background as bankers came to the fore: international trade outside the EURO zone (and therefore where there is the most transport, and therefore the most emissions) implies that clients carry out banking operations in currencies other than the EURO. Many SMEs have a supplier in China whom they pay in USD. They therefore need to sell EURO to buy USD and pay their supplier.

Banks generated more than EUR 150 billion on currency exchange operations in 2020 in the Europe / Middle East region. There is a rent there that must be used to finance the ecological transition of SMEs.
It therefore seemed obvious to us that finance, and more particularly the foreign exchange market (forex), could and should serve as a vehicle for the ecological transition.

How do we do this?

We have married finance to the ecological transition by positing a common sense postulate: the planet is behind every human activity. That’s why we developed the green cashback (“dividend planète”) — on each transaction a percentage of our margin is paid back to the client who can use it to finance their ecological transition.

This is how we invented the green cashback. For every euro we generate, we give up to 25% of it to our clients.

Thanks to their international operations, SMEs can measure their carbon footprint free of charge and leverage this cashback to start their ecological transition.

We believe that the concept of green finance should be broadened and that those two worlds should not be opposed. It is no longer enough to redirect savings flows towards sustainable investments. We need to generate income for the ecological transition where money creates money.