Innovative expenditure tracking system aligned with ESG score

This investigation presents a novel framework that combines product ESG scores and transportation ESG scores with customer purchasing behaviour for Sustainable Value Creation in the prepaid card and corporate spend management sectors. When we look at the classical customer purchase analysis behaviours, we can see behavioural targeting, for example, if the customer has looked at shoes, recommend similar shoes immediately, and RFM analysis to measure the long-term value of the customer, to establish a loyalty strategy, for example, a campaign to win back the customer who spends a lot but no longer shops. In the proposed system, unlike the existing literature, the mathematical model and infrastructure of an innovative expenditure tracking system are presented to instil sustainability awareness in both customers and businesses, thereby reducing environmental impacts.