Fast Facts

Customer Name





  • Finance & Financial Services


  • EMEA

Key Regulations


  • Scope 1 and 2 Accounting
  • Scope 3 Accounting
  • Reductions and Offset Marketplace

smava takes climate action with OneTrust

smava was launched in 2007 as the first German Fintech with the launch of an online credit marketplace. The company’s mission is to make loans transparent, fair, and affordable for consumers. With the help of digital processes, smava offers an overview of more than 70 loans from more than 20 banks and lending partners. This enables consumers to select the right loan for their needs and situation. On average, borrowers pay 35 percent less interest than the national average by taking out a loan through smava.  

Business Goal

smava has been making loans transparent, fair and affordable for consumers since 2007. As a member of the initiative “Leaders for Climate Action,” Co-Founder and CEO Alexander Artopé is actively committed to climate action. Alexander and the entire management team believe that transparency is not only an essential element in the financial sector but also for climate action. Their goal is to continuously minimize smava’s carbon footprint and become carbon neutral.  

With OneTrust’s ESG and Sustainability cloud, smava is putting this plan into practice. As a carbon neutral company for 2019 and 2020, smava fulfilled its LFCA Company Pledge and is committed to continue to do so in the future.  

Key results 

  • Calculated a total of 7,310 t CO2e for 2019 and 2020 
  • Offset 9,941 t C02e by supporting six high-impact climate action projects  
  • Developed additional sustainable reduction strategies for the future 


As a member of “Leaders for Climate Action”, I am already actively committed to take climate action and want to pave the way to carbon neutrality for smava. With OneTrust, we found an innovative and experienced partner to put this into practice. I am particularly enthusiastic about our individual climate action portfolio which also includes local projects that we particularly care about.

Alexander Artopé
Co-Founder and CEO at smava

smava image

Solution and Program Overview 

Phase 1: Calculating smava’s total carbon footprint 

To calculate smava’s carbon footprint, the sum of greenhouse gases (GHG) by all aspects of the company’s operations had to be considered. A large portion of the emissions come from smava’s office operations, employee commute and business travel, as well as external services the company uses. smava’s carbon footprint includes both direct and energy-related emissions (scope 1 and scope 2), and the emissions generated in the value chain by service providers, as well as purchased products and services (scope 3).  

smava’s largest carbon footprint is caused by emissions in scope 3, with the biggest emission driver being purchased goods and services. This includes, for example, marketing services, telecommunications or freelancers that smava works with.  

Total carbon emissions: 7,310 t CO2e 

Scope 1 emissions: 0 t CO2e 

Scope 2 emissions: 184.2 t CO2e 

Scope 3 emissions: 7,125.47 t CO2e  

Phase 2: Reducing emissions 

In order to reduce its carbon footprint, smava switched all office locations to green electricity and provides water dispensers to employees in office instead of plastic bottles. smava also has a generous home office policy, which allows employees to work from home, thus reducing the commute carbon emissions of employees. They also subsidize the use of public transport by offering company sponsored tickets. Smava also has a GreenTeam and a SocialTeam, started in 2021 that drive sustainable initiatives across the organization.  

smava CEO Alexander Artopé and CFO Sebastian Bielski are particularly committed to preserving the global ecosystem. They supported a local afforestation project in Brandenburg and an ocean protection project with the Plastic Bank instead of buying Christmas presents for business partners in 2020. In 2021, smava set up bee hotels at the Berlin headquarters to support the preservation of plant biodiversity.  

The GreenTeam and SocialTeam initiated several additional donation campaigns, which include laptop donations for schools and refugees, donations for homeless people, and aid for victims of the 2021 floods in Germany. The company also set up a collection point for bottles with refundable deposit in its Berlin headquarters where the money collected is then donated to Berliner Tafel. Lastly,  smava’s Christmas donation in 2021 supported social initiatives for children in Berlin. 

Phase 3: smava takes climate action 

CEO Alexander Artopé and CFO Sebastian Bielski share a passion for forests and water systems, so they sought to make a sustainable contribution in those areas.  That passion extended to smava’s climate action portfolio. In 2019, smava supported: 

  • (Indonesia) A long-term project to address the causes of deforestation and forest degradation 
  • (Rwanda) A project that installs new water pumps and rehabilitates existing ones to provide access to a hygienic and reliable water supply for the rural population 

And in 2020 they offset residual emissions and extended support to: 

  • (India) A project that feeds additional wind-generated power into the Indian electrical grid 
  • (Turkey) A small-scale project to generate renewable hydropower energy 
  • (China) A project that supports low-income, smallholder farmers in the Sichuan province by providing them with biogas plants and cooking stoves 
  • (Sierra Leone) A project that rehabilitates and ensures quality of water to reduce reliance on purifying with wood burning stoves 

man at computer

Value realized 

By partnering with OneTrust, smava: 

  • Calculated a total carbon footprint of 7,310 t CO2e for 2019 and 2020 
  • Developed comprehensive and varied climate initiatives to reduce emissions 
  • Offset 9,941 t C02e by supporting six certified climate action projects that had the following outcomes: 
    • Provided clean water to hundreds of people in Rwanda who would otherwise use wood-burning stoves to purify water 
    • Protected over 64,500 hectares of carbon-rich peat swamp forests and prevented the release of 3.5 million metric tons of CO2 equivalents each year 
    • Avoided the emission of up to 73,000 tons of CO2-equivalent annually in India with wind energy 
    • Generated 73,950 MWh of electrical energy per year for use in Turkey with a small-scale hydropower plant for minimal ecological adverse impacts 
    • Provided hundreds of healthier and more climate-friendly biogas stoves to farmers in China 
    • Rehabilitated 132 boreholes between May 2019 and June 2020 in Sierra Leone to improve access to clean water and reduce the number of stoves 


Looking Ahead 

CEO Alexander Artopé and CFO Sebastian Bielski share a passion for forests and water and want to make a sustainable contribution here. Their passion is therefore also reflected in smava’s climate action portfolio.In 2019, smava supported a clean water project in Rwanda and a rainforest protection project in Borneo, Indonesia.In 2020, smava offset residual emissions by supporting a clean water project in Sierra Leone, a hydro project in Turkey, a biogas project in China and a wind energy project in India.All projects are certified by the highest standards.

smava continues to be climate-conscious and transforms its values into actions to minimize the company’s impact on the environment. With OneTrust as a partner, smava will continue to reduce carbon emissions and offset whatever it cannot eliminate in a transparent and proactive way.  


The OneTrust ESG & Sustainability Cloud helps companies like smava gain critical insights into where carbon emissions are generated throughout the value chain, making it easier to pinpoint hotspots for reduction. The ESG Cloud not only provides a GHG Protocol compliant overview of scope 1, 2, and 3 emissions, it also offers a path for clear target setting, automated reporting, and transparent benchmarking.   

Part of the Trust Intelligence Platform™ from OneTrust, it unifies and delivers visibility across four trust domain areas, action based on AI and regulatory intelligence, and automation to build trust by design. Empower your organization to drive change, demonstrate impact, and put trust at the center of your operations.  

Request a demo today to learn more.  

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