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The FinTech Impact Report: Working through the world’s to-do list #FinTechforImpact References 1. Directive (EU) 2022/2464 of the European Parliament and of the Council, “Questions and Answers on the Adoption of European Sustainability Reporting Standards”, July 2023 53. EcoAct, “New developments to the CSRD: What are the implications for non-financial disclosures?", 14 July 2023 2. Financial Conduct Authority, “Sustainability Disclosure Requirements (SDR) and investment labels“, October 2022 54. Vested Impact 3. Financial Conduct Authority, “A strategy for positive change: our ESG priorities", 21 November 2011 55. World Economic Forum, “Nature Risk Rising: Why the Crisis Engulfing Nature Matters for Business and the Economy", January 2020 4. Nielsen IQ, “The Importance of Labelling, Label Insight”, 13 June 2023 56. Anders Andrae, “Total Consumer Power Consumption Forecast", October 2017 5. Directive (EU) 2022/2464 of the European Parliament and of the Council of 14 December 2022, 2022 57. CDP, “The Time to Green Finance: CDP Financial Services Disclosure Report 2020", 2020 6. Moore Global, “The $4Trillion ESG Dividend”, 2023 58. S&P Global, “Financed emissions are missing from many firms’ net zero plans", 20 January 2023 7. Business Development Bank of Canada, “ESG in Your Business: The Edge You Need to Land Large Contracts”, 2023 59. Banker for NetZero, “Bankers for Net Zero (B4NZ) – ‘Perseus’” (accessed August 2023) 8. KPMG, “Global Survey of Sustainability Reporting”. July 2022 60. Directive (EU) 2022/2464 of the European Parliament and of the Council, “Questions and Answers on the Adoption of European Sustainability Reporting Standards", July 2023 9. “The United Nations’ Sustainable Development Goals”, (accessed October 4, 2023) 61. Vested Impact 10. Vested Impact’s methodology for impact assessment, www.vestedimpact.co.uk 62. The Data City 11. Vested Impact. All data/statistics from Vested Impact’s platform and underlying data and analysis. Vested Impact’s methodology and data sources can be viewed at: 63. Ibid www.vestedimpact.co.uk 64. Vested Impact 12. Ibid 65. Crisis, “Number of households facing eviction in private rented sector at highest point in eight years", 10 August 2023 13. Ibid 66. The Data City 14. Ibid 67. Financial Conduct Authority, “Millions of Britons struggling with bills, warns regulator”, 21 August 2022 15. Ibid 68. Vested Impact 16. Ibid 69. Ibid 17. Ibid 70. Ibid 18. Ibid 71. Ibid 19. Ibid 72. Beauhurst, “The UK’s unicorn companies: at a glance”, September 2022 20. Ibid 73. FinTech Magazine, “Top 10 UK fintechs by market capitalisation” 12 July 2023 21. World Bank, “Share of individuals who are unbanked” (UK) from 2011 to 2021, by age, gender, and income level, (accessed via Vested ImpactAugust 2023) 74. Vested Impact 22. EY, “UK FinTech’s top female leaders call for regulation to narrow the gender pay gap and encourage stronger female progression in the sector’”, 17 April 2023 75. Open Banking, “Adapting to survive: UK’s small businesses leverage open banking as part of COVID-19 recovery”, December, 2020 23. Vested Impact 76. Open Banking, “Open banking reaches 11 million+ payments milestone”, August 2023 24. World Bank, “Global Findex Database 2021”, 2021 77. Open Banking, “Open Banking Impact Report June 2022 – key insights on adoption and business use”, June 2022. 25. World Bank, “Share of individuals who are unbanked” (UK) from 2011 to 2021, by age, gender, and income level, (accessed via Vested ImpactAugust 2023) 78. Vested Impact 26. Treasury Committee – House of Commons, “Consumers’ access to financial services”, May 2019 79. British Business Bank, “Small Business Finance Markets 2022-23 Report”, September 2023 27. Financial Conduct Authority (FCA), “Financial Lives 2022”, 26 July 2022 80. Sifted, “A third of UK unicorns founded by ethnic minorities", September 2023 28. Vested Impact 81. Zippia, “20+ Must-Know Startup Statistics”, 20 Feb 2023 29. Wise, “2022 Remittances Report”. November 2022 82. Barclays, “Black Founder Accelerator", (accessed October 4, 2023) 30. Ibid 83. HSBC, “HSBC buys Silicon Valley Bank UK”, 14 March 2023 31. Ibid 84. “FinTech Growth Fund”, (accessed October 4, 2023) 32. World Bank, “Global Findex Database 2021”, 2021 85. Vested Impact 33. AltFi, "There are more female founders than ever, why are they only getting 6% of VC funding“, (accessed October 4, 2023) 86. Ibid 34. EY, “UK FinTech’s top female leaders call for regulation to narrow the gender pay gap and encourage stronger female progression in the sector’”, 17 April 2023 87. Goss L. CityAM, “UK receives lowest ever score on corruption index as Britain’s reputation suffers after a string of political scandals”, January 2023 35. NatWest, “The Rose Review of Female Entrepreneurship”, (accessed October 4, 2023) 88. Vested Impact 36. BBC, “Cost of living: Millions have no savings as prices soar”, 7 November 2022 89. Ibid 37. CDP, “The Time to Green Finance: CDP Financial Services Disclosure Report 2020”, 2020 90. Ibid 38. Vested Impact 91. Ibid 39. Forbes, “Demand For Impact Investing Is Rising. Here’s Why”, 17 November 2022 92. Ibid 40. Met Office, “Over half of public making low-carbon decisions”, 22 March 2023 93. Tax Justice Network, “Financial Secrecy Index 2022“, 2022 41. Morgan Stanley, “Morgan Stanley Survey Finds Investor Enthusiasm for Sustainable Investing at an All-Time High”, 12 September 2019 94. FCA, “FCA introduces tough new rules for marketing cryptoassets”, 8 June 2023 42. Met Office, “Over half of public making low-carbon decisions”, 22 March 2023 95. Vested Impact 43. CDP, “The Time to Green Finance: CDP Financial Services Disclosure Report 2020”, 2020 96. Reuters, “Crypto ransom attacks rise in first half of 2023, Chain analysis says", 12 July 2023 44. ESG Today, “KPMG Survey: Most Companies Now Acknowledge Climate Risk, But Less than 1 in 5 Quantify Impact", 20 October 2022 97. Vested Impact 45. FinTech Global, “Institutional investors spend an average of $1.3m annually related to ESG data", 27 May 2022 98. Accenture Fintech Watchtower 46. NatWest Group, “NatWest launches Digital Carbon Planner for UK businesses", 30 June 2022 99. Accenture, “The 12th United Nations Global Compact-Accenture CEO Study”, 12 January 2023 47. NatWest Group, “A springboard to sustainable recovery Unlocking the net-zero opportunity for UK SMEs", October 2021 100. Cornerstone Advisors, “The state of the union in Bank-Fintech Partnerships” (accessed October 4, 2023) 48. Business Development Bank of Canada, “ESG in Your Business: The Edge You Need to Land Large Contracts”, 2023 101. The Data City 49. NatWest Group, “NatWest launches Digital Carbon Planner for UK businesses", 30 June 2022 102. University of Cambridge Centre for Alternative Finance, Cambridge Fintech Ecosystem Atlas (accessed October 4, 2023) 50. Moore Global, “The $4Trillion ESG Dividend”, 2023 103. The United Nations’ Sustainable Development Goals, (accessed October 4, 2023) 51. Innovate Finance report, ‘The Role of FinTech in net Zero’, 2021 104. Vested Impact 52. Taskforce on Nature-related Financial Disclosures, “Getting started with the TNFD Recommendations", September 2023

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