Innovation Spotlight: How banks are accelerating home energy upgrades

In this article, Patrice Bernard highlights how banks are stepping in with innovative solutions to make the process easier and more affordable.

23/02/2026 Perspective
Patrice Bernard
C'est pas mon idée Trends Decoder & Innovation Catalyst

Home energy upgrades are becoming a priority for homeowners worldwide, but navigating costs, grants, and logistics can be daunting. In this article, Patrice Bernard, Trends Decoder & Innovation Catalyst and author of the French blog C’est pas mon idée, known for his frank and outspoken style, highlights how banks are stepping in with innovative solutions to make the process easier and more affordable.

In the UK, Atom Bank’s Retrofit Explorer helps homeowners assess their property and create personalized improvement plans. In the Netherlands, ABN AMRO’s Beter Wonen program coordinates planning, execution, and financing to ensure energy-efficient renovations don’t impact budgets. Meanwhile, in France, Sofinco finances eligible MaPrimeRénov’ projects, bridging the gap between public subsidies and upfront costs for homeowners and contractors alike.

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