Leteni GreenScreen is Kenya's first AI-powered origination tool that structures climate risk data collection at the point of lending — giving your bank the standardised evidence base it needs for CBK Climate Risk Disclosure compliance, KGFT taxonomy alignment, and ICPAK sustainability assurance.
Mandatory CBK Climate Risk Reporting begins January 2027. The data your loan officers capture at origination today is the foundation of your first mandatory disclosure. That window closes at every disbursement.
Four regulatory milestones are converging. Each one depends on the quality of data your institution is capturing today.
All commercial banks must disclose quantitative and qualitative climate-related financial risks across their loan portfolios. Without structured origination data, your disclosures will be estimates. The CBK will not accept estimates.
ICPAK requires all PIEs — including commercial banks — to submit a Sustainability Reporting Readiness Assessment six months before the 1 January 2027 mandatory reporting deadline, meaning submissions are due by 30 June 2026. The assessment evaluates governance, strategy, risk management, and metrics systems. ICPAK also expects banks to have engaged their assurance provider by the same date.
Sustainability disclosures will be subject to a phased independent assurance regime. For commercial banks: limited assurance for periods beginning on or after 1 January 2028; reasonable assurance (excluding Scope 3) from 1 January 2029; and full reasonable assurance including Scope 3 from 1 January 2030. Assurance must be performed by ICPAK-licensed practitioners. The evidence trail starts at origination.
You cannot retrofit climate risk data onto an existing portfolio. Borrower GHG emissions, sector classification, geographic exposure, and physical risk indicators must be captured when the loan is originated. That window closes at disbursement.
Development finance institutions, blended finance facilities, and international green bond frameworks require KGFT-aligned portfolios. Banks that cannot demonstrate alignment at loan level are excluded from concessional funding.
Borrowers operating in carbon-intensive sectors face regulatory, market, and technology shifts that affect their ability to service debt. That risk is currently invisible in most Kenyan loan appraisals.
Leteni GreenScreen runs alongside your existing appraisal process. No core banking integration required to start.
The loan officer enters the borrower's business activity and the purpose of the loan in plain language. No forms to redesign. No new fields to add to your core banking system.
For field-based loan officers, Leteni also supports WhatsApp-based screening workflows via the WhatsApp Business API.
Leteni maps the loan to the corresponding KGFT economic activity. Classification is AI-assisted and auditable, with a documented confidence score for every match.
The system generates a structured set of origination questions tailored to the borrower's sector, covering three dimensions:
Physical Risk Exposure — The loan officer records the borrower's operating county (from Kenya's 47 counties), enabling mapping to known physical risk drivers: flood zones, drought-prone regions, and heat stress corridors.
Transition Risk Indicators — Sector-specific questions surface the borrower's exposure to policy change, carbon pricing, stranded asset risk, and technology transition requirements.
GHG Emissions Data Collection Framework (Scope 1, 2 & 3) — Leteni generates the sector-specific questions and structured document checklist that loan officers use to collect GHG emissions data directly from borrowers. This standardises what your institution asks and what evidence it requests — creating the input layer your bank needs before portfolio-level financed emissions measurement, aligned with the PCAF standard, becomes possible.
Every screening generates a time-stamped, officer-attributed record containing the KeSIC classification, KGFT eligibility determination, physical and transition risk indicators, and emissions data inputs. This is the structured evidence file your compliance team, internal audit function, and — in time — your ICPAK sustainability assurer will require.
Eight capabilities designed around the CBK's disclosure requirements and the evidence standards ICPAK sustainability assurance will demand.
AI-powered matching of loan descriptions to KGFT economic activities across all 11 taxonomy sectors, with documented confidence scoring and full traceability to the CBK source document.
KGFT v1.0 · CBKCounty-level location capture across Kenya's 47 counties, structured for mapping to physical climate hazards including drought, flooding, and heat stress.
47 Counties · CBK Physical RiskSector-specific questionnaires that surface regulatory, market, and technology transition risks in the borrower's operating environment at the point of appraisal.
CBK Transition Risk FrameworkLeteni generates sector-specific questions and a structured document checklist that loan officers use to collect Scope 1, 2, and 3 emissions data directly from borrowers at origination — creating the standardised input layer your bank needs before portfolio-level financed emissions measurement becomes possible.
PCAF-Aligned Framework · Scope 1/2/3Every screening record is time-stamped, officer-attributed, and stored in structured format. This is the evidence trail ICPAK-licensed assurance providers will require — starting with limited assurance for periods from 1 January 2028, escalating to full reasonable assurance (including Scope 3) from 1 January 2030.
ICPAK IFRS S1/S2 · PIE Assurance RoadmapDeterministic, rule-based screening against KGFT prohibited activities. Hard exclusions are flagged before any AI processing — no probabilistic misclassification on binary compliance decisions.
Deterministic · Pre-LLM GateWhere eligibility cannot be confirmed from the initial description, the system identifies the specific data gaps and generates the additional questions needed to resolve them.
Structured Remediation FlowLeteni is designed to connect with your existing LOS via API. Structured screening outputs can be written back to your origination workflow — no parallel data entry, no manual transfer. CBS integration not required to start; API integration available for institutions ready to connect.
REST API · LOS Write-BackEvery screening automatically generates a structured one-page summary formatted for credit committee review. The output includes KGFT activity classification, eligibility determination, physical and transition risk indicators, and emissions data collection status — attributed to the originating officer and time-stamped. Consistent format across every loan. No manual assembly required.
Credit Committee Ready · Officer-AttributedLeteni GreenScreen operates at the intersection of origination and disclosure. The primary user is your loan officer. The primary beneficiary is your CRO.
Working with Kenyan banks as a consultant or advisor? Leteni GreenScreen is used by sustainability consultants, climate risk advisors, and IFRS S1/S2 readiness practitioners to run structured origination assessments on behalf of their bank clients — and to demonstrate exactly where data collection gaps exist ahead of mandatory reporting.
Request access as a consultant →Every loan disbursed without structured climate risk data is a compliance gap your team will have to explain in January 2027. A bounded pilot takes days to set up.