Responsible digitalisation as a means to reduce environmental impacts
Iute’s primary environmental impact continues to stem from the digitalisation of everyday banking services.
By enabling customers to manage their financial lives through digital channels, the Group reduces reliance on paper-based processes, physical journeys, and plastic cards, while improving convenience and access.
In 2025, across the Group, 98.7% of customer agreements (payments, lending, insurance intermediation, etc.) were concluded digitally, either via the Myiute app or digital channels. We support digital-first access mobile apps, cardless services, and self-service solutions that allow customers to manage everyday banking needs without physical documents or plastic cards. This supports both environmental efficiency and customer convenience.
Kill the paper
In 2023, out of 323,235 loan agreements, 284,311 were digitally signed using the MyIute app, minimizing the need for printed loan agreements and supporting documentation. This translates to saving approximately 2.6 million A4 sheets of paper, equivalent to around 13,000 tons of paper and a reduction of 12,000 tons of CO2e.
13,000 kg
of paper
Kill the plastic
Our ATM network, comprising 71 ATMs accessible with the MyIute app and without the need for plastic cards, illustrates our commitment to reducing plastic waste. By bypassing the use of plastic cards issued by global platforms, we contribute to a more sustainable environment.
Kill unnecessary traffic and CO2
In 2023, 284,311 loan agreements were digitally signed, sparing customers from approximately 284,311 physical journeys previously necessary for documentation submission and agreement signings. The estimated average customer journey associated with traditional paper loan agreements is 5 km, resulting in digital solutions saving at least 1.4 M km of journeys. Our sustainable practices benefit the environment and enhance customer convenience and efficiency.
12,000 kg
of CO2-eq