Current subsidies to help citizen save energy and CO2 emission are all ex-ante estimated, and are thus providing little real expost energy/CO2 savings at a very large public expense. With this FORTESIE results and this neobanking Energy savings and CO2 subsidies could be paid based on real expost energy consumption and CO2 emissions. THis will lead to substantial public savings both at Member States and EU commission levels.

The CO2 and energy saving rewards could be paid in a “digital-euro”, the potentially new EU CBDC.

Next step is to fine tune the UX on justifiying action to sustain energy savings or CO2 reductions

Possibility to enroll all citizens in all EU countries.

THe neobanking app is deployed in the same way in all EU countries. Update are down through the Stores for all countries at the same time.

Banking models proved to be sustainable for few centuries already.