Towards Zero Carbon Buildings: An Ai-Based Pay as You Decarbonise (Ai-PaYD) Business Model for Residential Customers

Ai-PaYD是一个创新的首个（FOAK）解决方案和多方面的基于AI的软件应用程序，旨在帮助弱势居民（老年人，残疾人，单亲父母等）。业主与金融承销商和创新型中小企业/改造商无缝互动，以获得在时间轴内实现（接近）零碳状态所需的资金。“青年行动资助计划”通过对弱势家庭进行改造，将改造贷款偿还额与时间轴内的应计排放量和能源成本降低额挂钩，从而实现有保证的排放量和能源成本降低。Ai-PaYD将减少排放和能源成本作为奖励工具（可能通过经认证的碳信用额），鼓励创新办法，以便：（1）减少住房存量的碳化（特别是对弱势群体），以及（2）提高能源效率，同时衡量其服务/活动对减少排放/能源成本和2050年净排放的总体目标的贡献。零目标。Ai-Pay as you decarbonise（Ai-PaYD）是一项创新计划，利用低成本和可持续的融资，为弱势家庭提供耐心资本，以开展能源和减排改造行动，并将贷款偿还与潜在的储蓄挂钩。Ai-PayD将贷款偿还与潜在的储蓄（以合理的上限为上限）挂钩，确保弱势家庭在履行贷款义务时不会超过家庭收入的固定部分。因此，通过确保参与的改造者采取行动，可以在合理的时间轴内大幅减少并抵消其成本，Ai-PaYD消除了潜在的资金浪费。在推行“自付青少年津贴计划”时，我们有三个假设。第一，能源价格将在中长期继续上涨。第二，政府的转型相关政策将导致对家庭征收与排放相关的附加费，以鼓励采取低碳举措，第三，这些与排放相关的罚款的增长率将超过能源增量的增长率。哎-该项目的重点是拥有住房的弱势群体，并将调查不同家庭可实现的最大减排量这将为改造活动提供信息。

Ai-PaYD is an innovative first of a kind (FOAK) solution and a multifaceted AI-based software application that is designed to assist vulnerable residents (elderly, disabled, single parents etc.) who are homeowners' in seamlessly interacting with financial underwriters and innovative SMEs/retrofitters to access capital needed to achieve (near) zero-carbon status for their homes over a timeline. Ai-PaYD actualises guaranteed emissions and energy costs reduction through retrofitting of vulnerable \[persons\] households by indexing the retrofitting loan repayment to accruable emissions and energy costs reductions over a timeline. Ai-PaYD operationalises emissions and energy cost reduction as a reward tool (potentially through certified carbon credits) for SMEs and financial institutions by incentivising innovative approaches to: (1) decarbonise housing stocks (especially for vulnerable persons), and (2) improve their energy efficiency while benchmarking the contribution of their services/activities to the overall goals of emissions/energy costs reductions and 2050 Net-Zero targets.Ai-Pay as you decarbonise (Ai-PaYD) is an innovative program that leverages low-cost and sustainable financing in providing vulnerable households with patient capital to undertake energy and emissions reduction retrofitting actions with loan repayment tied to the potential savings accrued. Ai-PayD indexes loan repayment with potential savings accrued (capped at a reasonable ceiling) ensuring that vulnerable households do not get to exceed a fixed portion of their household income in meeting their loan obligations. Ai-PaYD thus disincentivises potential waste of financing by ensuring that participating retrofitters undertake actions that can result in significant reductions and offset their costs over a reasonable timeline. In undertaking Ai-PaYD, three assumptions are made. First, that energy prices will in the medium to long-term continue to increase. Second, that transition related policies by government will result in emissions related surcharges for households to encourage uptake of low-carbon initiatives, and third, that the rate of increase of these emissions related penalties will outpace the rate of increase of energy increment.Particularly, Ai-PaYD is focused on vulnerable persons who own their houses and will investigate the maximum emissions reduction that can be achieved from different households which would inform retrofitting activities.