SEEM is a finTech and sustainability consulting company enabling entity-level systemic change for purpose and multi-stakeholder focused innovations and scale-ups at pace in FIs and corporates for their long-term sustainability, comparable sustainability performance, and sustainable finance with their blended variations across climate finance, transition finance, impact investing, development finance, and all others, through sustainable loans, bonds, equities, funds, indices, derivatives and any other. It helps mobilise private capital in EMDEs along with their MSMEs, leveraging concessional finance, guarantees, grants etc. It provides holistic credit risk ratings and underwriting through AI with an expanding scope. It helps address money laundering, bias in credit risk and compliance risk, compliance challenges in corporate and investment banks, entities’ fair share of direct/indirect climate goals and all SDGs in line with 2030 goals and 1.5 degrees pathway, culture and mindset shift, digital transformation through regTech CBD for corp and inv banks and more. In the real economy, those innovations and capacity buildings cut across sectors - energy, hard-to-abate, infrastructure, industrialised food production and all others extended to their supply chains and the rest.

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Engagement is through Purpose, that shifts mindset and culture, makes them longterm focused and entrepreneurial.

Empowerment is through training, coaching, design-thinking, enabling all resources, entities' ambition in terms of their targets for their fair share of direct or indirect climate goals and all other SDGs in line with 2030 goals and 1.5 degrees pathway,  decision-worthy data, digital transformation through the regTech product CBD(Compliance by Design) for corporate and investment banks that solves their challenges in complying with regulations, addresses issues of money laundering and inaccurate credit and compliance risks quantification, solves their core issues of data silo and has reusable features accessible to anyone, around holistic credit risk ratings and quantified underwriting etc.

Finally, mobilisation is through a movement across the organisation centred on their purpose. 

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SEEM’s Products & Services: 

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1. SEEM’s entity-level systemic change: 

   • The regTech application Compliance by Design (CBD) for corporate & investment banks. It makes the bank clean, robust, purposeful & sustainable for the long term. It solves their challenges in complying with regulations, addresses issues of money laundering and inaccurate credit and compliance risks quantification, solves their core issues of data silo and has reusable features around holistic credit risk rating and quantified underwriting accessible to anyone. It measures credit and compliance risk more accurately and discretely at each transaction level (quantified underwriting) that can be rolled up to any level and finally to their balance sheets, measures corporates' true creditworthiness considering their universal ESG metrics with comparable sustainability performance alongside financials and compliance aspects (holistic credit risk rating), makes the bank more agile and risk-focused while responding to its business requests, creates a bank-wide MIS system etc.

   • ​Direct or indirect deployment & disclosure of standardised versions of just & resilient NetZero Transition Plans, including their universal ESG metrics with comparable sustainability performance, for entities across the financial and real economy deploying whole or part of the standardised transformation methodology CTM2 (Change through Movement) centred on entities' purpose for their longterm sustainability and aiming for their fair share of direct or indirect climate goals and all SDGs in line with 2030 goals and 1.5 degrees pathway. At a minimum, these plans include purpose discovery and their applicable universal ESG metrics with comparable sustainability performance. 

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2. A curriculum on entities’ long-term sustainability through Purpose and Sustainable Finance with blended variation for b-schools & universities based on the principles of CTM (Change through Movement), universal ESG metrics with comparable sustainability performance, holistic credit risk rating and quantified underwriting. 

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When its CTM2-based standardised versions of Just & resilient NetZero Transition plans, including universal ESG metrics with comparable sustainability performance, are deployed and disclosed by entities across the financial and real economy, it will also solve the problem of off-takes for Hydrogen and other RE companies, in hard to abate sector, infrastructure etc. who need economies of scale to bring down prices. Disclosure of these plans as part of entities' sustainability reports or standalone can also pave the way for national transition plans for countries.

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Entities' transparent and authentic universal ESG metrics considered alongside their financials and compliance aspects can be translated into holistic credit risk rating, and further quantified underwritings would be possible through the regTech product Compliance by Design (CBD) for corporate & investment banks and its reusable features around these aspects accessible to anyone. These metrics, the holistic credit risk rating, quantified underwritings, and the ESG asset class built leveraging these will enable innovation at scale in sustainable finance across sustainable loans, bonds, funds, indices etc. This will revolutionise sustainable finance and its blended variation across climate capital, transition finance, impact investing, development finance etc.. It will mobilise private capital in EMDEs at scale and speed, leveraging accurate quantification of risk in concessional finance, guarantees, grants, etc.. Again, this is not only through large projects but financing MSMEs too due to the reduced relative cost of underwriting even for very small investment sizes. All these will bring pace in the flow of private capital to EMDEs while entities’ becoming sustainable and achieving their fair share of direct or indirect climate goals and all SDGs in line with 2030 goals and 1.5 degrees pathway.

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Ultimately, it will help in the creation and identification of bankable projects easily. The movement in its entity-level systemic change will lead to innovation and rapid scale-ups for capacity building needed to achieve entities' fair share of direct/indirect climate goals and all SDGs in line with 2030 goals and 1.5 degrees pathway and capital needed for the same. It will make each Financial Institution address issues of money laundering, biased credit & compliance risk quantification, entity-wide MIS and for corporate & investment banks, its many challenges in complying with regulations holistically, its data silo, risk-focused culture and more. It will help them become clean, robust, purposeful & inclusive in their investments, and sustainable for the long term. CTM2-based transition plans deployment and disclosures will not be an obligation but a business imperative as each entity will become sustainable for the long term, achieve their fair share of direct/indirect climate goals and all SDGs by 2030, and ultimately avail or provide sustainable finance at scale and speed including in EMDEs with their MSMEs mobilising private capital.

 

The standardised transformation methodology CTM2 consists of the movement centred on entities purpose for their longterm sustainability and projects/transactions for innovation and their rapid scale-ups. This Movement is standardised and measuring the quality of its deployment gives qualitative universal ESG metrics. The movement leads to a culture away from command and control and shifts mindset to focus on longterm over short term, initiates a series of projects/transactions for innovation and their rapid scale-ups that further leverages decision worthy data. It creates outcomes towards the entities' purpose through their multi-stakeholder focus also aligning with their fair share of direct/indirect climate goals and all SDGs by 2030. The direct or indirect impacts gives us the quantitative universal ESG metrics with their sustainability performance that would be easily comparable upon third party review. All these are deployed through the practitioner-led standardised just and resilient NetZero Transition Plans for FIs financing businesses and large and medium corporates. It also has a simplified version as practitioner-led standardised NetZero Transition Plan templates including Purpose Discovery and applicable universal ESG metrics for small and micro enterprises. All these plans have deployment and disclosure versions. In the universal ESG metrics, at the highest level, entities' outcomes towards their purpose, align with their fair share of direct/indirect climate goals and all SDGs in line with 2030 goals and 1.5 degrees pathway and will map with the WBG's scorecard's 22 performance indicators.

 

In this methodology, the large and medium corporates at the top of their supply chains need to set their targets in alignment with their standardised sectoral pathways aiming 2030 goals for all SDGs and 1.5 degrees pathway and extend their targets to their supply chains who need to feed into their targeted values. For small and micro enterprises, who are not part of the large and medium enterprises' supply chains and are at the top of their supply chains, need to set their targets as per local standards and extend them to their supply chains who need to feed into their targeted values. Their performance against these targets need to be measured in percent terms. Adding weightage to them can be further translated into their sustainability performance that would be easily comparable upon a third-party review. In the case of renewable energy companies, their targets for climate goals should come from those of their customers who are buying their renewable energy. This will also solve the problem of off-takes by locking the demand and supply through the commitments disclosed through CTM2-based standardised Just and Resilient netZero transition plans as standalone or part of their sustainability reports. And in the case of Financial Institutions, they need to arrive at their targeted financed-IPs from their underlying corporates' and assets' planned IPs in proportion to the investments planned for them (cascaded upwards).

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Note: 

CTM is a standardised transformation methodology centred on entities' purpose for their longterm sustainability and has two versions. The first (2018) led to a digital transformation and became the foundation for the development & deployment of regTech product Compliance by Design (CBD) for corporate and investment banks with its reusable features around holistic credit risk rating and quantified underwriting accessible to anyone. It makes the bank clean, robust, purposeful & inclusive in investments, and sustainable for the longterm. Its second version (2020-22) is centred on entities' purpose for their longterm sustainability and helps them achieve their fair share of direct or indirect climate goals and all UN-SDGs in line with 2030 targets and 1.5 degrees pathway. It includes their universal ESG metrics with comparable sustainability performance. In both of the versions it creates a movement centred on entities' purpose for their longterm sustainability and creates impacts towards its purpose, shifts the culture away from command and control, makes it longterm focused, makes people risk taking and entrepreneurial and enables rapid innovations or scale-ups. 

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