Financed-emissions accounting · from Sri Lanka to the world

Measure the carbon inside your loan book — and stand behind the number.

Datum Solutions helps banks and insurers measure their financed and insurance-associated emissions — the way SLFRS S1 and S2 now require. We start with Sri Lanka's institutions and the local data global tools overlook, and carry the same discipline outward. Specialist method, work that holds up under audit.

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Portfolio composition · illustrative Scope 3 · Cat 15
Financed & underwrittenScope 3 · Category 15 · ~97%

Own operations · Scope 1–2 · ~3%

97% of a typical financial institution's footprint sits outside its own operations

Method

Financed + insurance-associated

Disclosure

SLFRS S1 · S2

Data

Sri Lanka emission factors

Proof

34% → 89% compliance

CarbonIQ

The products

Two tools. One measurement engine.

Datum is a carbon consultancy — but the method only holds if the software does, so we build our own. The same measurement core runs both products: a live tracker for construction, in production today, and a financed-emissions tool for banks and insurers, in ongoing development. The people who set the method write the engine, so a figure a Datum specialist signs comes from a tool we own — not a licensed black box.

Live in production

CarbonIQ · for Construction

A live embodied-carbon tracker — not an EPD or LCA authoring tool.

Most carbon software writes one document and stops. CarbonIQ runs alongside the build: it tracks actual emissions against the tender baseline as materials are booked, surfaces the material hotspots driving the number, and holds every contractor to a reduction target. A live ledger, not a certificate — the walk measured against the talk. Nothing else on the market does exactly this.

34% 89%

contractor compliance, lifted on a giga-project in the Middle East — and 47+ professionals trained on it

  • Actual vs baseline, live across A1–A5
  • Material hotspot detection
  • Contractor targets, approvals & audit trail
  • Regulatory disclosure reports — ISO 21930 · EN 15978
Try the live demo — free access →
CarbonIQ construction dashboard: baseline against actual A1–A4 carbon, percentage reduction against a 20% target, material breakdowns for each project.

Contractor dashboard · live data

Ongoing development

CarbonIQ · for Finance

Closing the reconciliation gap on financed emissions.

A bank pledges its portfolio's carbon down. Projects complete. Did the pledge hold? Almost no lender can answer — and a missed environmental pledge increasingly means real fines. CarbonIQ for Finance measures financed and insurance-associated emissions with the recognised global method for the sector, tests them against the taxonomy and national targets, and reconciles what was promised at approval against what was actually emitted at completion.

  • Financed & insurance-associated emissions
  • Taxonomy alignment — CBSL SLGFT and regional frameworks
  • NDC / SDG mapping and green-loan certificates
  • End-of-project pledge reconciliation
Experience the preview →

Preview build — features are still being added. Where the tool hasn't caught up, a Datum specialist delivers that part by hand, so a first disclosure never waits on a release date.

Taxonomy alignment screen: a project's carbon intensity checked against ASEAN, Singapore, Hong Kong, EU and Sri Lankan thresholds.
NDC and SDG alignment screen with Sri Lankan sector codes and a green-loan certificate generator.
NDC & SDG alignment
Insurance-associated emissions screen, reading a policy schedule and a bill of quantities.
Insurance-associated

The thing being measured

Your biggest climate exposure isn't your office. It's your portfolio.

A financial institution's own operations — buildings, travel, electricity — are a small fraction of its carbon. The overwhelming majority sits in what it finances: the emissions of the companies it lends to, the projects it funds, and the risks it underwrites. In carbon-accounting terms these are Scope 3, Category 15 emissions, and for most banks and insurers they are well over 90% of the total. Until recently they went unmeasured. Under new disclosure rules, they can't.

Lending & investment

Financed emissions

The emissions of the businesses, projects, real estate, mortgages and vehicle loans a bank finances, allocated to the bank in proportion to its share of the financing.

Corporate loans Project finance Mortgages Vehicle loans

Why now

Disclosure stopped being optional.

SLFRS S1 and S2 are Sri Lanka’s adoption of the ISSB’s IFRS S1 and S2, issued here by CA Sri Lanka. Under them, financial institutions must report the emissions behind their lending and underwriting — not just their own operations. Alongside sit the Central Bank’s Green Finance Taxonomy and the country’s own NDC commitments. All of it means putting a defensible figure against a portfolio, using a recognised method, with data you can trace to its source. It is a specialist job, and most global tools were never built with Sri Lankan data in mind.

SLFRS S1

General sustainability disclosure — adopted from IFRS S1

SLFRS S2

Climate, including portfolio emissions — adopted from IFRS S2

SLGFT · CBSL

Sri Lanka Green Finance Taxonomy

Traceability

Every figure back to its source

What we do

The method, the technology, and someone who sits with your team.

01

A specialist, embedded

Forward-deployed delivery: a carbon specialist works inside your team and configures the method to your actual book — not a licence key and a manual.

02

One engine, every framework

The same measurement core serves financed-emissions reporting, the Green Finance Taxonomy, GCF readiness and NDC/SDG disclosure. Measure once, report many ways.

03

Numbers you can defend

Every figure carries a data-quality score and a clear trail back to its source, so it survives an auditor's questions.

Why Datum is different

Engineering rigour, pointed at a loan book.

Financed-emissions advice usually comes from people with a finance or ESG-reporting background. Datum comes at it from the measurement side — life-cycle assessment, embodied and whole-life carbon, EPD validation, and accredited ISO 14064 GHG verification — and applies that rigour to financial portfolios. A GHG Lead Verifier and embodied-carbon engineer measuring a bank's book is a rare combination, and it is where the accuracy comes from.

LEED AP BD+C ISO 14064 GHG Lead Verifier PMP MSc (RICS-accredited), Aberdeen One Click LCA

Track record

Measured work, recognised by the people who commissioned it.

Mohamed Mushrif being filmed for the University of Aberdeen's feature on entrepreneurship and sustainability, captioned on screen with his name.

University of Aberdeen

Entrepreneurship & Sustainability

Filmed for the University's programme feature — and in the same year, the idea behind CarbonIQ was shortlisted to the top 100 of 1,600 startup ideas entered across the United Kingdom.

Santander X UK Awards · 2023

Top 100 of 1,600 startup ideas across the UK
First page of the published article introducing CarbonIQ, with the author credited as Mohamed Faiz Mohamed Mushrif, Founder CarbonIQ.

Published

Open-source carbon governance

CarbonIQ's architecture, set out against ISO 21930 and EN 15978.

Standing in front of the Santander X UK Awards 2023 bootcamp screen at STEAMhouse, Birmingham City University.

2023 · Santander X

UK Awards bootcamp

Bootcamp at STEAMhouse, Birmingham City University.

Founder cohort photographed at the Elevator and Business Gateway venue in Aberdeen.

Aberdeen

Elevator · Business Gateway

Founder programme cohort.

The roadmap

From first measurement to a credible transition plan.

Stage 01 / 05

Measure

Build a defensible baseline of financed and insurance-associated emissions across the portfolio, with a data-quality score on every figure.

Output Portfolio emissions baseline

Where we are now

Working with banks, insurers, and the firms that build.

Datum is already at work across all three — engaged today with a bank, an insurer and a construction firm. The engagements are confidential, so no names appear here; what follows is what the work actually involves, and how far along it is.

The practice

The product owner behind the method.

Mohamed Mushrif

Founder · Product Owner

Mohamed Mushrif

LCA & GHG lead

LinkedIn →

Fifteen years on the measurement side of carbon — life-cycle assessment, embodied and whole-life carbon, EPD validation, and accredited ISO 14064 verification — earned on giga-projects across the Middle East. That is a different starting point from the finance and ESG-reporting background most financed-emissions advice comes from, and it is where the accuracy comes from. Most of that work has run inside multinational delivery teams — Italian main contractors, Korean project management, engineers from across South Asia — where a carbon figure has to hold up in several languages and against several standards at once. He is now product owner of CarbonIQ, bringing that measurement discipline to the financial sector.

Credentials
LEED AP BD+C (USGBC/GBCI) · ISO 14064 GHG Lead Verifier, TÜV SÜD (2024) · PMP®, PMI · GRI Sustainability Reporting (in progress)
Education
MSc Real Estate (RICS-accredited), University of Aberdeen · Executive MSc Project Management, Asia e University · National Diploma in Engineering Sciences (IET Sri Lanka) · BSc Physics & Mathematics, University of Peradeniya
Built
CarbonIQ — carbon tracking, EPD validation and reporting on giga-projects across the Middle East. Lifted contractor compliance 34% → 89%, trained 47+ professionals, and earned a decarbonization award.

Aligned to

SLFRS S1 SLFRS S2 ISSB IFRS S1 IFRS S2 CBSL SLGFT PCAF GHG Protocol ISO 14064 ISO 21930 EN 15978

Get in touch

Let's talk about your disclosure timeline.

Whether you're scoping SLFRS S1/S2 readiness or you need financed-emissions numbers you can report with confidence, we're glad to talk it through.

Email

hello@datumsolutions.lk

Direct

mmushrif05@gmail.com

Phone

+94 71 841 4226

Location

Sri Lanka

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