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

Ai-PaYD是一种创新的同类（FOAK）解决方案和多方面的基于人工智能的软件应用程序，旨在帮助弱势居民（老年人，残疾人，单亲父母等），他们是房主，与金融承销商和创新的中小企业/改装商无缝互动，以获得所需的资金，以实现（接近）零碳状态他们的家在一个时间轴上。Ai-PaYD通过在一段时间内将改造贷款还款与可累积的排放和能源成本降低挂钩，对脆弱的\[persons\]家庭进行改造，从而实现保证排放和能源成本的降低。Ai-PaYD将减少排放和能源成本作为一种奖励工具（可能通过认证的碳信用额度），鼓励中小企业和金融机构采用创新方法：(1)使住房库存脱碳（特别是对弱势群体）；(2)提高能源效率，同时衡量其服务/活动对降低排放/能源成本和2050年净零目标的贡献。Ai-Pay as you decarbone （Ai-PaYD）是一项创新计划，利用低成本和可持续融资，为弱势家庭提供耐心资本，以开展能源和减排改造行动，贷款偿还与累积的潜在储蓄挂钩。Ai-PayD以潜在储蓄累计（上限为合理上限）为贷款偿还指数，确保弱势家庭在履行贷款义务时不会超过其家庭收入的固定部分。因此，Ai-PaYD通过确保参与的改装商采取行动，在合理的时间内显著减少并抵消其成本，从而抑制了潜在的资金浪费。在进行Ai-PaYD时，有三个假设。首先，能源价格将在中长期内继续上涨。第二，政府的转型相关政策将导致向家庭征收与排放相关的附加费，以鼓励采用低碳举措；第三，这些与排放相关的罚款的增长速度将超过能源增量的增长速度。特别是，Ai-PaYD侧重于拥有自己房屋的弱势群体，并将调查不同家庭可以实现的最大减排，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.