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Finland/B2 Impact/ESG and Responsibility

We are building a fairer and more sustainable future

B2 Impact’s ESG strategy is built around three core principles: environmental sustainability, social responsibility and ethical governance. We operate in over 20 countries, embedding responsibility into our everyday decisions. We don’t settle for compliance. Our goal is to lead by example, exceed expectations and generate measurable value for our customers, partners, employees, and society.

For us, digitalisation is the most important tool for reducing environmental impact. The majority of our carbon footprint still comes from physical letters. That’s why we invest in digital communications and automation, which save natural resources, improve customer experience and reduce costs, creating value both for the environment and the business.

  • Annual carbon footprint measurement, including travel and remote work.
  • Our target is carbon neutrality.
  • Travel policies favour public transport and low-emission vehicles.
  • Paperless office policy and comprehensive recycling guidelines.
A woman is sitting in a hammock on a rock by the water.
A woman is sitting in a hammock on a rock by the water.

We believe that a humane approach to debt and the well-being of our employees are essential foundations of sustainable business. Our operations directly affect our customers' lives and society's economic resilience, this is why responsibility is not optional for us. It is a core principle embedded in everything we do.

  • Empathetic and solution-based customer interaction.
  • Advisory Council integrates lived experience into service design.
  • Diversity, equality and wellbeing drive our people policies.
  • Financial literacy, youth support and volunteering initiatives.
Colleagues sitting together on a break.
Colleagues sitting together on a break.

Good governance is the backbone of our ESG work. Every one of us has a responsibility to act ethically and the right to raise concerns. But we don’t just expect responsibility; we also provide the tools and processes to make it possible in everyday work.

  • Clear and regularly updated Code of Conduct.
  • Anonymous whistleblowing channel in place before it was mandatory.
  • Regular audits and high data privacy standards.
  • ESG evaluation integrated into partner management.
The woman’s hands on the keyboard.
The woman’s hands on the keyboard.

For our Finnish operations, responsibility focuses on four key areas:

Customer Satisfaction

High customer satisfaction is a matter of pride for us. Our customers can trust that they will receive professional service from us. We strive to understand each customer’s unique situation and ensure they receive the necessary support to manage their financial situation effectively.

Employee Well-Being and Satisfaction

We care about our employees and are committed to fostering an equal, inclusive, and diverse work culture. We treat all employees fairly, regardless of gender, age, sexual orientation, skin colour, ethnic background, disability, religion, or marital status. We invest in overall employee well-being and skill development through various initiatives. We maintain a pleasant work environment and adhere to gender-neutral pay structures to enhance employee motivation.

Social Impact and Supporting a Healthy Economy

We are an active societal player and recognize our significant role in building a healthier economy—not only for individuals and businesses but also on a broader societal level. We contribute to social impact through various initiatives, both independently and through the Suomen Perimistoimistojen Liitto (SPL).

Ethical Business Practices

We operate transparently, honestly, and responsibly, complying with all applicable laws and regulations while respecting the rights of our employees, customers, and partners. We conduct all required regulatory assessments in accordance with current laws and continuously provide sufficient information about our company’s development. Ethical business practices guide all our operations, and we go beyond mere legal compliance to uphold the highest standards of integrity.