Datasinc
Innovation introduced in 2022
Institutions that have implemented the product/service: Bank of Italy, Credit Agricole
MSMEs served: Italy
Challenges
Lack of available data in Italy, makes the EPC estimates extremly hard without building a database of all Italian cadastral data. All other attempts for this estimate have limited reliabilityPrimary target
Which group does your product/service primarily target?
Insurance
SMEs
Credit Guarantees
SMEs
Risk Management
SMEs
Description of Innovation
The product is an application programming interface (API) available to any bank which privides a real time assessment on the EPC of any italian building in order, for the loan manager, to grant a subsidised mortgage to a "green" SMEMachine learning algorithm able to estimate energy consumption (EPC) of any building using market and casadtral data. This would help intermediaries to support "green" SMEs without an EPC.