A gamification solution for ESG stock portfolio ratings.
Users are able to port over their existing stock portfolio from their brokerage into City of Life. The user's investments will be uniquely digitalized within the application.
When the user purchases shares of a company, the app will automatically convert the ESG ratings of said company into varying conditions in the city. Events (e.g air pollution) might also occur from time to time throughout the city, depending on the nature and ESG sub-ratings of the company.
Data visualization of the ESG ratings of your portfolio through a simulation. ESG ratings of your portfolio, instead of being represented through mere numbers and graphs, are represented through a real-world city simulation.
Front-End
Runtime environment: NodeJS
Build tool: npm
APIs:
ESG scores and ratings API
Company logo API
Yahoo Finance historical quotes and snapshot data downloader
External links:
Goldman Sachs ESG report
United Nations SDG
Back-End
Development platform : Unity
A stock portfolio app that allows user to buy and sell stocks, then to retrieve and feed overall weighted E, S and G data to the back-end, based on the user's portfolio.
Features of the app.
Educational informations to boost user's knowledge and awareness on ESG.
Review and recommendations based on user portfolio's overall ESG scores.
Whenever the user makes changes to his portfolio - i.e., to buy or sell stocks, the overall E, S and G scores will change according to the portfolio allocation and the E, S and G scores of the individual stock(s) he/she owns.
For example, if user owns 1 share of TSLA ($1000) and 10 shares of NIO ($20 x 10 = $200),
Total portfolio allocation = 83% TSLA, 17% NIO (Total sum $1200)
<TSLA> E, S, G scores = 500, 250, 300
<NIO> E, S, G scores = 400, 300, 350
Weighted <TSLA> E, S, G scores = (500*83%, 250*83%, 300*83%) ---> 415, 207.5, 249
Weighted <NIO> E, S, G scores = (400*17%, 300*17%, 350*17%) ---> 68, 51, 59.5
Overall E, S, G scores** = (415+68, 207.5+51, 249+59.5) ---> 483, 258.5, 308.5
After the overall E, S and G scores are updated, the data will be saved, downloaded and fed into our back-end application where it will read the values and modify the state of the city.
The state of the city changes accordingly and proportionately to the E, S and G scores being fed from the front-end to the back-end.
Below are some scenarios when the E, S and G score changes.
Oxygen (Trees)
 More trees will appear as the E value increases. |
 More trees will be chopped down as the E value decreases. |
Energy (Windmills)
 More windmills will be planted as the E value increases. |
 Windmills will start to get damaged as the E value decreases. |
Air pollution (Factories)
 Air will not be as polluted as E value increases (Lesser factories built) |
 Air will start to get polluted as E value decreases (More factories built) |
Water pollution (Rivers)
 Rivers will be cleaner when the E score is good. |
 Rivers will start to turn green as the E score decreases. |
 Yucks! |
Standard of Living (Houses)
 More occupied houses will appear as the S score increases. This signifies that more people wants to live in the city. |
 Houses will start to be vacant as the S score decreases. |
Happiness (People)
 Happier citizens will roam the city as the S score increases. |
 Citizens start turning frustrated as the S score decreases. |
Thriving economy (Companies)
 More companies will move in as the G score increases. |
 Demand for building plots will drop as the G score decreases. |
How a city with good ESG score looks.
And in every seed of good, there is always a piece of bad.
What we are trying to achieve by building City of Life is to allow ESG to be more understandable, digestible and useable for the average investors, and more so for the new investors who have never heard of ESG investing.
By implementing and building a gamified solution, we were able to translate "data" into visually impactful real-world-city scenarios where instead of just numbers and figures, users will be able to see and learn the benefits of ESG investing and also the disadvantages of not considering ESG while investing.
Our world is changing faster than anyone predicted. We believe responsible investing has a huge role to play in shaping a better world and building a sustainable future.