2026 Guide | AI in Financial Services

See Where Physical Risk Hits Your Investments

Asset-level precision. Financial impact. Full explainability.

Pinpoint where climate hazards translate into real financial loss. Clarity AI's bottom-up physical risk solution covers 3 million assets across 17,000+ companies, with full explainability from individual asset to portfolio level.

Interactive world map showing refinery sites as colored risk bubbles; popups display site name, coordinates, and risk level (low/medium/high).

Trusted by Leading Financial Institutions

Broad Coverage, Same Blind Spots

Most financial firms now have access to physical risk data. But access isn't the same as insight. Top-level scores don't tell you which assets are at risk, which hazards drive the exposure, or where the financial loss lands. That's the gap between having data and being able to use it.

Our Solution, at a Glance

Physical Risk, Fully Quantified

Map Where Climate & Nature Risk Becomes Financial Loss

Access over 3 million assets across 17,000+ companies:

  • 16 hazards covered, across climate and nature
  • On-demand coverage for assets you provide
  • Financial impact quantified
Map showing Acme Energy Corp.'s flood risk hotspots with numbered dark circles on regions and a floating card: Hazard Riverine Flood, Pathway RCP 8.5, Horizon 2050.

Trace Risk From Individual Asset to Portfolio Level

Analyze physical risk at every level - asset, company, fund, and portfolio:

  • Full fund look-through retained at every level
  • Hazards stay disaggregated through the roll-up
  • Ready for disclosure under TCFD, ISSB, FINMA, and Pillar III
Risks dropdown open listing four risk items with checkboxes; Extreme Wind is checked; blurred data table in the background.

Model Risk With a Methodology You Can Defend

Built on RiskThinking.AI's science, validated by regulators including Canada's authority:

  • 9 climate scenario options including IPCC and NGFS
  • 5 time horizons from 2030 to 2050
  • Full probability distributions, including tail risks
Slide header with Clarity AI and Risk Thinking.ai logos, title 'Methodology' and a pale gradient background with placeholder text blocks beneath.

Two Approaches to Climate Risk

A Complete View of Physical Risk Requires Both Lenses

Systemic Risk Meets Real-World Relevance

Top-down climate scenario analysis shows how different warming and policy paths affect portfolio returns at a macro level. Bottom-up asset-level analysis shows which specific sites drive that exposure, and why. Neither approach covers the full picture alone. Clarity AI offers both, giving you a view that's complete at every level.

Beyond Physical Risk

Factor Different Metrics Into Your Risk Assessment

Climate Scenario Analysis

Easily choose between different Climate scenarios and time horizons to pinpoint critical Physical and Transition risks that could affect your investments.

Nature and Biodiversity

Identify portfolio exposure to nature-related risks, quantify biodiversity impact, and align with reporting best practices with confidence.

Climate Transition

Assess your portfolio’s Net Zero maturity with science-based criteria from the Net Zero Investment Framework. 

One Solution for Every Use Case

Physical Risk Intelligence for Every Financial Institution

Strengthen Portfolio Resilience

Identify companies in your portfolio most exposed to physical risks and understand what drives their exposure at the asset level. Use disaggregated hazard data to support engagement, manage concentration risk, and meet disclosure requirements.

Learn more

Steer Strategy With Asset-Level Evidence

See physical risk exposure across your full investment universe, including funds of funds, with look-through retained at every level. Understand the drivers behind the numbers and engage managers with asset-level evidence.

Learn more

Integrate Physical Risk Into Lending Decisions

Spot physical risk concentration across counterparty asset locations in your loan book. Meet EBA Pillar III or Bank of England requirements with a streamlined, asset-level dataset, including on-demand coverage for assets you provide.

Learn more

Frequently asked questions

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

Contact us
  • How does this differ from Clarity AI's Climate Scenario Analysis?

    Climate Scenario Analysis is a top-down approach that models portfolio-level return impacts under different warming and policy scenarios. The physical risk solution is bottom-up: it maps hazard exposure at individual asset locations and rolls it up to company, fund, or portfolio level. The two approaches answer different questions and are designed to work together.

  • What climate scenarios and hazards are covered?

    The solution covers 9 scenario options including IPCC and NGFS, 16 hazards across climate and nature, and 5 time horizons from 2030 to 2050. Further long-term horizons are available on request.

  • As a bank, can I add my own asset data?

    Yes. Banks can complement our standard coverage of 17,000+ counterparties with their own loan book asset data. We calculate physical risk exposure for any asset or group of assets provided, on demand.

  • How is the solution delivered?

    The solution is available via datafeed now. A web app with an interactive hazard map is available from July 2026.

Research and Insights

Latest news and articles

Market Insights

How Investors Are Navigating Geopolitical Risk

Geopolitical risk has always been priced into investment decisions, but rarely has it demanded a rethink of the assumptions beneath them. Today it does. The question facing long-term investors is no longer whether geopolitical events move markets. It is whether the frameworks built over decades to guide portfolio construction, exclusion policy, and asset allocation still…

ESG Risk, Gender Equality

The diversity say-do gap: Two-thirds of companies with discrimination violations also claim diversity initiatives

June is a month when corporate communications are filled with Pride messaging, diversity commitments, and inclusion statements. But beyond the visibility of these declarations, a more complex question remains: do these commitments consistently align with companies’ actual conduct? At Clarity AI, we looked at whether companies with active discrimination controversies in practice also publicly emphasize…

Climate

The physical risk gap: What today’s datasets are missing

Access to physical risk data is no longer the problem. Most asset managers who need it have it. Far fewer have data that holds up when it matters: under regulatory scrutiny, in client reporting, or when trying to act on it. Taking place in the heart of the climate week season, after Zurich and London,…