Archive · 12 Nov 2025
Evercomm and CTBC Bank Launch AI Engine for Transition Finance
Imagine banks wanting to help companies become more eco-friendly by lending them money.
But it's tricky because it's hard to know exactly how much pollution those companies will stop producing and if the bank's money is actually making a difference.
Evercomm and CTBC Bank created a smart computer system called PATHMATCH.
It uses artificial intelligence to help banks understand how much carbon a loan can help reduce.
This system is like a super-smart calculator that looks at how energy is used and predicts pollution.
It makes it easier for banks to track if companies are meeting their green goals.
This helps banks lend money more confidently to businesses that are serious about reducing their environmental impact.
It also saves a lot of time and makes sure everyone is using the same rules to measure pollution, like following global climate guides.
Evercomm and CTBC Bank have fully deployed PATHMATCH, an AI-powered engine for transition finance.
PATHMATCH helps banks assess loan decarbonisation impact and manage Scope 3 financed emissions.
The engine uses a proprietary AI simulation based on a thermodynamics model to predict emissions with scientific accuracy.
It aims to automate Scope 3 reporting, reduce manual data processing, and improve portfolio quality.
The deployment signifies a move from concept to enterprise-scale implementation for sustainable finance.
- Who
- Evercomm and CTBC Bank
- What
- Fully operational deployment of PATHMATCH, an AI-powered transition finance engine
- When
- November 12, 2025
- Where
- Singapore
- Why
- To help banks assess decarbonisation impact of loans, manage Scope 3 financed emissions, and track portfolio transition performance in real time, addressing challenges of data consistency, Scope 3 reporting, and operational efficiency.
Current Challenges in Transition Finance
How PATHMATCH Addresses These Challenges
Data Consistency and Verification
Current Challenges in Transition Finance
Banks face pressure to base decisions on data that is consistent, verifiable, and aligned with evolving global standards, but traditional methods struggle with this.
How PATHMATCH Addresses These Challenges
PATHMATCH establishes a digital foundation for credible, comparable carbon accounting by creating a consistent, methodology-aligned view.
Scope 3 Financed Emissions
Current Challenges in Transition Finance
There is a mismatch between how banks assess financed emissions and how businesses measure operational emissions, along with the manual process of aggregating Scope 3 data.
How PATHMATCH Addresses These Challenges
PATHMATCH enables banks to automate portfolio-wide Scope 3 reporting and manage Scope 3 financed emissions in real time.
Operational Efficiency
Current Challenges in Transition Finance
The manual aggregation of Scope 3 data across supply chains is resource-heavy and time-consuming.
How PATHMATCH Addresses These Challenges
PATHMATCH can reduce manual data processing by up to 1,500 man-hours annually, improving efficiency.
Adaptability to Evolving Standards
Current Challenges in Transition Finance
Fragmented data, unverified information, and constantly evolving methodologies challenge banks' confidence in sustainability transitions.
How PATHMATCH Addresses These Challenges
The PATHMATCH engine is designed to evolve with the market, integrating new data and technologies to remain relevant and scalable.
- Product Name
- PATHMATCH
- Developers
- Evercomm and CTBC Bank
- Key Technology
- AI-powered transition finance engine
- Functionality
- Assesses loan decarbonisation impact, manages Scope 3 financed emissions, tracks portfolio transition performance
- R&D Investment
- S$18.7 million
- Annual Time Savings
- Up to 1,500 man-hours
- Featured Standard
- PCAF (Partnership for Carbon Accounting and Financials)
