The conscious consumer movement has an impact but it’s still small - a minority of people choose to change their behaviour. Imagine if you could make your carbon footprint your bank's problem. Imagine these large institutions, with millions of customers and insights into their spending, worry about their customers’ carbon footprint. That’s the genius of new carbon disclosure laws - banks, insurances companies, airlines and other large companies must now report not only on their own footprints but their customers’ too-so-called Scope 3 emissions. And someone needs to help them do that counting.

Enter Cogo, formerly personal carbon footprint app, now being deployed by banks across Australia, NZ and the UK. Ben Gleisner, founder and entrepreneur joins Vincent to explain what’s going on with Cogo.