Customer Story
Creand Credit Andorra

How Creand Crèdit Andorrà Is Building New Sustainable Products Powered By Clarity AI’s Solutions
Aspiring to become a leader in sustainable finance, Creand Crèdit Andorrà embarked on a journey to enhance their sustainability strategy and product offerings. In 2023, the bank launched its Sustainability Unit with a clear mission: integrate ESG principles across its operations and deliver innovative sustainable products to its clients. To achieve this, Creand Crèdit Andorrà partnered with Clarity AI to leverage its transparent, user-friendly ESG data solutions. This collaboration enabled the bank to streamline regulatory compliance, educate employees and clients, and develop sustainable investment products that align with client values and regulatory demands.
The Opportunity
In 2023, Creand Crèdit Andorrà launched its Sustainability Unit to become a leader in sustainable finance. To meet its goals, the bank required a transparent, reliable ESG data provider to support reporting, ensure compliance, and drive the development of sustainable investment products.
The Solution
Creand Crèdit Andorrà adopted a suite of Clarity AI’s solutions to enhance regulatory reporting accuracy, educate employees and clients, and develop sustainable fund offerings. Transparency and user-friendliness were essential in aligning the bank’s operations with its sustainability objectives.
The Results
With Clarity AI’s user-friendly platform and high-quality data, Creand Crèdit Andorrà integrated sustainability organization-wide, educated clients on sustainable products, improved reporting efficiency, and launched new sustainable investment solutions, advancing their leadership in sustainable finance.
"Clarity AI’s user-friendly platform allowed us to integrate ESG data seamlessly into our reporting, saving us time and ensuring compliance with regulatory requirements. The Clarity AI team has been incredibly responsive, making a real difference in our ability to improve our sustainability offerings to our clients."

Embarking on a Sustainability Journey
Gone are the days of sustainability as an afterthought in banking. Forward-thinking banks are now embracing sustainability at the forefront of their strategies. At Creand Crèdit Andorrà, Martí Alay Roquet, Head of Sustainability, is helping to lead that strategy.
Martí stepped into his role in July 2023, when the bank first announced its new Sustainability Unit. The new unit was created to set strategic agendas in sustainability and drive the inclusion of environmental, social and governance (ESG) issues throughout the organization.
Although his role was new, Marti wasn’t starting from zero. Creand Crèdit Andorrà had already signaled its commitment to sustainability by signing the UN Principles for Responsible Banking in 2021. But the challenge lay in translating these commitments into concrete actions and offerings for clients.
"We want to be a frontrunner in sustainability as a company. A core focus of that is delivering new sustainable products, like funds, to our clients.”
For Martí achieving this meant having access to reliable ESG data and tools that were both easy to understand and capable of streamlining compliance. That’s where Clarity AI came into play.
"Clarity AI came recommended by colleagues. After I tested it, I felt it was the best solution for our needs. And since then, we’ve found a lot of interesting ways to use the suite of solutions.”
Here’s how Clarity AI became the essential partner Martí needed to translate Creand Crèdit Andorrà’s sustainability goals into measurable actions and meaningful change.
Integrating Sustainability is Easier with Clarity AI
Empowered by Clarity AI’s solutions, Martí was able to tackle four key challenges: onboarding his team efficiently, enhancing ESG metric transparency for both internal and client use, streamlining reporting, and developing new sustainable products.
“Clarity AI is embedded in much of what we do in our sustainability strategy. We have many different use cases that are helping us build a strong foundation for responsible finance.”
One of the first challenges he tackled was getting his colleagues onboarded to the platform, followed by educating his clients about the benefits of sustainable finance products more deeply.
Efficient Onboarding for a Strong ESG Foundation
Challenge 1
For Martí onboarding analysts and portfolio managers to work with ESG data needed to be quick and seamless. This is no small task, as ESG data is complex and often confusing. Clarity AI’s intuitive platform made this possible, enabling team members to engage with the data effectively with minimal training.
“The interface is easy to navigate and the metrics and methodology are really easy for the portfolio managers and analysts to understand, which means we don’t need extensive training sessions.”
This ease of use and adoption has enabled Creand Crèdit Andorrà to not only streamline internal operations but also advance its broader goal of financial education. With a strong foundation in place, Martís team has been able to dedicate more time to educating clients about integrating ESG into investments, conducting sessions across their locations in Andorra, Madrid, and Luxembourg. “In the medium-term, I hope all these things will help us to promote ESG education to the customers” Martí says.
Clarifying and Auditing ESG Metrics
Challenge 2
One of Credit Andorra’s biggest hurdles was ensuring that the ESG data they used was clear and transparent—a widespread challenge in the banking sector. “One of the main challenges right now is that your customer understands how you’re measuring sustainability in their portfolio” said Martí.
Clarity AI met this need with transparent, scientifically-backed methodologies, enabling portfolio managers and analysts to interpret, explain, and audit ESG metrics with ease.

“Clarity AI offers exceptional transparency. It’s scientific and trusted. We appreciate how the platform makes it straightforward for clients to see exactly how sustainability is calculated in their portfolios.”
With Clarity AI’s trusted data, Creand Crèdit Andorrà has not only improved client communication but also streamlined its auditing processes, ensuring they always have reliable insights to make the best choices for their clients.
Improving ESG Reporting Accuracy and Compliance Efficiency
Challenge 3
Like many banks in Europe, Creand Crèdit Andorrà has faced increasing reporting requirements. Clarity AI has been instrumental in helping improve the efficiency and accuracy of Creand Crèdit Andorrà’s reporting to ensure they are always compliant.
For example, when the European Commission laid out the criteria for funds to use environmental and impact terms in their names, banks like Creand Crèdit Andorrà had a short time to ensure compliance with the Paris-Aligned Benchmark (PaB) criteria. Clarity AI responded quickly, building a PaB module into the platform that allowed Martí’s team to screen investments with a single click.

“The quick response from Clarity AI has been invaluable. It enabled our team to immediately spot companies that don’t meet the PaB criteria, saving time and improving compliance.”
The granularity of data in the PaB solution has been particularly helpful for Marti. “You can go really in-depth on companies that are breaking this rule to learn why they are in breach down to the exact percentage” he says. Beyond this, Marti has been able to significantly streamline Credit Andorra’s reporting efficiency, particularly for SFDR Article 8 requirements. With Clarity AI’s support, Credit Andorra has not only improved reporting accuracy and compliance efficiency but is also well-positioned to expand its sustainable finance offerings.
Delivering New Sustainable Financial Products
Challenge 4
Thanks to Clarity AI’s automated reporting solutions, Martí sees an opportunity to expand the bank’s Article 8 fund offerings.
“Our goal is to build on our offerings and classify more funds as Article 8” Martí explains. ”For us, it’s a learning curve. As we gain a better handle on the reporting methods, we will increase the number of our funds.” Clarity AI’s flexible, customer-focused support team offers help through that learning curve with solutions tailored to Credit Andorra’s current and future needs.

“I only have positive words for the Clarity AI team. They are very responsive. For example, in a very short turn-around, they developed the solution we needed for the Paris-Aligned Benchmark screening.”
Martí has also found opportunities to empower his clients to achieve their net-zero ambitions with Clarity AI, reducing the carbon footprint of certain portfolios in line with client demands. “We have an institutional customer that asked us to reduce the carbon footprint of the portfolio we manage for them” said Martí. “Thanks to Clarity AI’s platform, we have been able to look at benchmarks, make comparisons, and reduce the overall carbon footprint of the portfolio for our client.”
Summary of Results: Building Foundations
Under Martí’s leadership Creand Crèdit Andorrà has made significant strides in achieving its sustainability objectives and translating their sustainability commitments into real-world action. Since adopting Clarity AI’s platform, they have been able to:
Enhance ESG reporting efficiency
Automated reports now save the team several days per cycle, allowing them to focus on strategic sustainability initiatives
Strengthen client trust
Delivering transparent and reliable ESG data has improved client confidence in the bank’s sustainability practices
Streamline regulatory compliance
The team can classify assets accurately and provide tailored sustainable solutions, meeting expectations and staying competitive
“Clarity AI has been an essential partner in laying the groundwork for the growth of our sustainability offerings. It has made it easy for the team to meet regulatory obligations as we scale.”
From improving their reporting accuracy and efficiency, to developing new sustainable investment solutions to align with their clients’ values, Creand Crèdit Andorrà’s journey to become a frontrunner of sustainability is well underway. Instead of a numbered list, lets just make them icons of some kind for efficiency, transparency, and regulatory requirements
What’s Next for Creand Crèdit Andorrà
Looking ahead, Creand Crèdit Andorrà plans to expand its sustainable fund offerings by increasing the number of Article 8 funds. With Clarity AI as a trusted partner, Martí and his team are also focused on educating clients about sustainability and improving the transparency of ESG data. As more regulations come into play, Creand Crèdit Andorrà is well-positioned to lead the charge in sustainable finance in the region.
“Clarity AI has been an essential partner in laying the groundwork for the growth of our sustainability offerings. It has made it easy for the team to meet regulatory obligations as we scale.”
From improving their reporting accuracy and efficiency, to developing new sustainable investment solutions to align with their clients’ values, Creand Crèdit Andorrà’s journey to become a frontrunner of sustainability is well underway.