The banking industry is traditionally associated with the pursuit of profit and lack of integrity, but it doesn't have to be that way. A bank can simply become a redistributor of cash flows and an investor in businesses. This approach gives rise to systems of ethical investment and conscious banking . Such banks invest only in activities agreed upon both by the management and contributors, for example, planting forests, organic production, supporting local producers or businesses created by socially disadvantaged people.
The purpose of this practice is not to make profit for the owners and shareholders of banks, but to support initiatives that would not otherwise have access to funding and would not be implemented.
For implementation of this practice, it is enough for the participants to be willing to start using it: banks that decide to support ethical and "green" projects, companies that set the rules for P2P loans, and the participants in economic relations are the ones who choose the projects to invest in.