C6 Bank's
Carbon Footprint bank statement

How CI&T helped C6 Bank become the first bank in Brazil to offer the calculation of its customers' carbon footprint.

Introduction

C6 Bank, a CI&T client, is the first bank in Brazil to calculate the carbon footprint automatically based on the customers' financial transactions. The premise of the Carbon Footprint Product is to align itself with sustainable consumption, enabling means of raising awareness and promoting a positive change in consumer behavior.

The development of the product enabled a set of actions, principles, and reflections that culminated in a conscious form of consumption, with a clear vision of the impact generated on the environment by carbon emissions and compensation practices through environmental projects.

CI&T played a fundamental role in operationalizing product development in record time, in just 6 months, exceeding expectations with the result and quality of delivery.

Challenge

The development aimed to implement a strategic and unique product in Brazil within a record time, while being guided by a fixed delivery schedule due to a commercial launch date. It was also under pressure due to the uncertainty of how the integration with the tools would be and their latencies.

To enable carbon footprint on the client's bank statement, we had the mission to create an architecture that ensured comprehensive end-to-end integration with various systems, including credit and debit control, carbon footprint calculation, and carbon credit purchasing.

The created architecture is a major highlight of this project, as CI&T actively participated and had a significant role in developing a set of services focused on performance, resilience, scalability, availability, and integration with the suppliers involved in the project.

Solutions

C6 bank customers have three main solutions created by the product:

Carbon emission statement: based on purchases made with debit and credit cards, PIX, and transfers to legal entities.

Purchase of carbon offset: based on environmental projects that ensure the preservation of green areas.

Sustainable initiatives and tips: presentation of sustainable projects and tips for customers.


The carbon footprint calculation is based on purchases in credit, debit, PIX or transfers to legal entities based on the company's nature/category/activity (MCC - for card transactions and CNAE - for PIX transactions). As a result, the tool displays the average amount of carbon emitted from the sector related to the respective purchase/transfer.

The purchase of carbon offsets generates the issuance of official certificates that direct the purchase value to companies with environmental projects aimed at preserving green areas.

CI&T's support was crucial for the product to be developed in 6 months, exceeding expectations regarding quality and delivery capacity. The work also involved the creation of an architectural solution later used as a model within the bank itself.

Results

Since launching the product in March 2023, C6 Bank has made the product available free of charge to 100% of its more than 25 million individual (PF) and business (PJ) customers. The Carbon footprint product architecture is being promoted as a reference within the bank, as it enabled:

Guarantee of scalability due to the distributed application design that allows the scaling of computational capacity according to its use.

An asynchronous model for processing the calculation, compensation, and implementation of carbon footprint credit or debit, avoiding impact on the current performance of payment systems (Card, PIX, and transfers).

Guarantee of a structure that allows the display of the statement and the compensation of the carbon footprint, encouraging the customer to change their consumption habits to preserve the environment and a better future for the next generations.

Technologies in place

Front End

IOS

- Swift: Swift - UIKit: UIKit - Gerenciador de Pacotes Swift: Swift Package Manager - Tuist: Tuist - Arquitetura MVP: MVP Architecture - Teste de Unidade Nimbus: Nimbus Unit Test - Testes de Captura: Capture Tests

ANDROID

- Kotlin - Google Architecture Components (Componentes de Arquitetura do Google) - MVVM Architecture (Arquitetura MVVM) - JUnit Tests (Testes JUnit) - Espresso Tests (Testes Espresso)


Back End

CLOUD INFRASTRUCTURE

- AWS (Amazon Web Services)
- AWS EKS (Elastic Kubernetes Service)
- AWS RDS (Relational Database Service) PostgreSQL
- AWS OpenSearch (Elasticsearch)
- AWS ElastiCache for Redis
- Amazon SQS (Simple Queue Service)
- AWS S3 (Simple Cloud Storage)

EVENT STREAMING PLATFORMS

- Kafka - C6 Event Cloud (Servidor Nats) - Kafka - C6 Event Cloud (Nats Server)

MICROSERVICES APPLICATIONS

- Kotlin - Spring Boot + Spring Framework - Hexagonal Architecture (ports and adapters) - Unit and integration tests - Metrics instrumentation

OBSERVABILITY

- Prometheus - Grafana

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