Abstract 

Research dating back to the 19th century and persisting into the present day characterizes climate change as a critical global challenge. With current CO2 levels exceeding 410 ppm, the need for sustainable practices is more pressing now than ever. Against this backdrop, companies need to integrate sustainability into their business strategies and financial institutions. Payment issuers such as SEB Kort are in unique positions allowing them to drive this change. This study explores how SEB Kort can support and promote both sustainable behavior amongst employees within its corporate customer base, as well as the UN Sustainable Development Goals SDG 12, SDG 9 and SDG 13.

The study examines SEB Kort's potential to enhance sustainability efforts by influencing individual behavior within client organizations. Using theoretical frameworks such as the Theory of Planned Behavior and the Norm Activation Model as well as qualitative interviews were conducted to understand employees' motivations, attitudes and perceived control over sustainable practices, findings highlight the importance of leadership commitment, employee engagement and supportive structures.

A key strategy proposed is a rewards/payback system linked to eco-label certifications to incentivize environmentally responsible purchasing decisions. This system addresses the challenges of low participation and behavioral control and motivation, and promotes a culture of sustainability that provides tangible benefits. The research highlights the critical role of employees as drivers of corporate sustainability, as well as the need to align organizational practices with societal norms and expectations.