Petal, as a financial technology company focused on credit card issuance, has a relatively limited direct environmental impact compared to industries with substantial emissions or resource consumption. They promote environmental sustainability indirectly by encouraging digital payment methods that reduce the need for physical resources like paper statements and checks. Petal has a significant impact by providing credit card services that are accessible to individuals with limited credit histories. Strong governance practices are fundamental in the financial services and fintech industry, and Petal’s governance impact is central to its operations. Ensuring compliance with financial regulations, safeguarding customer data, and maintaining ethical conduct in credit card issuance are core aspects of their governance impact. Upholding transparency, accountability, and data security measures is essential to build trust among customers and partners, which is critical for the company’s long-term success. Petal also collaborates with regulatory bodies to ensure responsible lending practices, further enhancing their governance impact.