EcoPay is a sustainability-focused plugin built with for seamless integration into e-wallets like Touch ‘n Go (TnG).

Helping Gen Z Malaysians track carbon footprint, make greener decisions, and support verified causes—right within their daily payment experience.

Touch ‘n Go Integration

Dashboard 1

Dashboard 2

Dashboard 3

Scan

After Scan

QR Info 1

QR Info 2

Redeem1

Redeem2

My Contribution

My Contribution2

LeaderBoard

Challange

Achievement

Payment Success

• Flutter SDK (>=3.x)
• Dart (>=3.x)
• Android Studio or VS Code with Flutter extension

git clone https://github.com/your-org/ecopay.git
cd ecopay
flutter pub get
flutter run

📁 Simplified Project Structure (root files + lib + assets):

├── Architecture.md
├── README.md
├── analysis_options.yaml
├── assets
│   ├── animations
│   │   ├── Money growth.json
│   │   ├── Tomato_plant.json
│   │   └── Tree in the wind.json
│   ├── fonts
│   │   └── SpaceMono-Regular.ttf
│   └── images
│       ├── EcoPayIcon.png
│       ├── EcoPayIconremovebg.png
│       ├── malaysia-flag.png
│       └── profile.png
├── generate_tree.py
├── lib
│   ├── helpers
│   │   ├── database_helper.dart
│   │   └── gamification_helper.dart
│   ├── main.dart
│   ├── models
│   │   ├── achievement.dart
│   │   ├── balance.dart
│   │   ├── contribution.dart
│   │   ├── project.dart
│   │   ├── transaction.dart
│   │   └── user.dart
│   ├── screens
│   │   ├── achievements_screen.dart
│   │   ├── challenges_screen.dart
│   │   ├── donation_history_screen.dart
│   │   ├── ecopay_screen.dart
│   │   ├── leaderboard_screen.dart
│   │   ├── local_projects_screen.dart
│   │   ├── my_contribution_screen.dart
│   │   ├── payment_confirmation_screen.dart
│   │   ├── qr_scanner_screen.dart
│   │   ├── touch_n_go_homepage.dart
│   │   └── transaction_history_screen.dart
│   ├── utils
│   │   ├── duitnow_qr_parser.dart
│   │   └── environmental_impact_calculator.dart
│   └── widgets
│       └── receipt_modal.dart
├── pubspec.lock
└── pubspec.yaml

%%{init: {
  "theme": "base",
  "themeVariables": {
    "fontFamily": "Segoe UI, sans-serif",
    "fontSize": "14px",
    "lineColor": "#546E7A",
    "textColor": "#263238"
  }
}}%%
graph TD
  %% Main Phases
  P1[<b style='color:#1B5E20;'>Phase 1:</b><br>Foundation<br><span style='font-size:12px;'>0–12 Months</span>]
  P2[<b style='color:#0D47A1;'>Phase 2:</b><br>Expansion<br><span style='font-size:12px;'>1–3 Years</span>]
  P3[<b style='color:#4A148C;'>Phase 3:</b><br>Ecosystem<br><span style='font-size:12px;'>3–5 Years</span>]
  D[<b style='color:#00695C;'>🌍 Global Scalability</b>]

  %% Phase 1 Components
  P1 --> A1[📱 TnG Integration]
  P1 --> A2[🌿 Core Carbon Tracker]
  P1 --> A3[🎮 Gamification Engine]
  P1 --> A4[🤖 AI Assistant]

  %% Phase 2 Components
  P2 --> B1[🏦 Banking Partners<br>Maybank, CIMB]
  P2 --> B2[🛒 Retail Integrations<br>Starbucks, Lotus's]
  P2 --> B3[🧠 Behavioral AI<br>Personalized Green Tips]
  P2 --> B4[🌏 ASEAN Localization]

  %% Phase 3 Components
  P3 --> C1[📊 ESG Data Marketplace]
  P3 --> C2[♻️ Carbon Credit Exchange]
  P3 --> C3[🌳 Tree-Planting Rewards]
  P3 --> C4[🤝 Gov API Integration]

  %% Flow Logic
  A1 & A2 & A3 & A4 --> P2
  B1 & B2 & B3 & B4 --> P3
  P3 -.-> D

  %% Custom Styling Classes
  classDef greenPhase fill:#E8F5E9,stroke:#1B5E20,stroke-width:2px;
  classDef bluePhase fill:#E3F2FD,stroke:#0D47A1,stroke-width:2px;
  classDef purplePhase fill:#F3E5F5,stroke:#4A148C,stroke-width:2px;
  classDef finalGoal fill:#E0F2F1,stroke:#00695C,stroke-width:2px,font-weight:bold;

  class P1 greenPhase;
  class P2 bluePhase;
  class P3 purplePhase;
  class D finalGoal;

• Aiman – Backend & System Design
• Azri - UI Design & Backend Support
• Hanim - Presenter
• Kamil - Researcher

graph TD
    subgraph A["📱 User Device"]
        A1[User] --> A2["TnG eWallet App"];
        A1 --> A2_Future_1["Boost eWallet App (Future)"];
        A1 --> A2_Future_2["GrabPay eWallet App (Future)"];
        A2 --> A3["EcoPay SDK"];
        A2_Future_1 --> A3;
        A2_Future_2 --> A3;
    end

    subgraph B["💡 EcoPay SDK"]
        A3 --> B1["CO₂ Estimator"];
        A3 --> B2["Gamification & UI"];
        A3 --> B3["Donation Prompt"];
        A3 --> B4["QR Scanner"];
        A3 --> B5["API Client (Future)"];
    end

    subgraph C["⚙️ Backend & Database (Local)"]
        B1 --> C1["Environmental Impact Calculator"];
        B2 --> C2["Gamification Helper"];
        B3 --> C3["Database Helper (sqflite)"];
        B4 --> C4["DuitNow QR Parser"];
        C1 --> C3;
        C2 --> C3;
        C4 --> C3;
    end

    subgraph D["☁️ Cloud Backend (Future)"]
        B5 --> D1["User Auth"];
        B5 --> D2["Carbon Engine"];
        B5 --> D3["Gamification Engine"];
        B5 --> D4["Donation Logic"];
        B5 --> D5["Notification Engine"];
    end

    subgraph E["🗄️ Databases (Future)"]
        D1 --> E1["User DB"];
        D2 --> E2["Metrics DB"];
        D3 --> E2;
        D4 --> E2;
    end

    subgraph F["🔌 Third-Party APIs (Future)"]
        D2 --> F1["Climatiq API"];
        D4 --> F2["TnG Payment API"];
        D5 --> F3["Push Notification Service"];
    end

erDiagram
  balance {
    INTEGER id PK
    REAL amount
    TEXT lastUpdated
  }

  transactions {
    INTEGER id PK
    TEXT transactionId
    TEXT merchantName
    REAL amount
    REAL remainingBalance
    TEXT transactionDate
    TEXT status
    TEXT notes
  }

  users {
    INTEGER id PK
    TEXT name
    INTEGER ecopay_opt_in
    TEXT username
    TEXT email
    INTEGER total_points
    INTEGER level
    TEXT badges_earned
    TEXT created_at
    TEXT last_active
  }

  projects {
    INTEGER id PK
    TEXT name
    TEXT description
    REAL cost_per_unit
    TEXT unit_label
  }

  contributions {
    INTEGER id PK
    INTEGER user_id FK
    INTEGER project_id FK
    REAL amount
    TEXT transaction_id
    TEXT timestamp
  }

  achievements {
    INTEGER id PK
    TEXT name
    TEXT description
    TEXT target
  }

  user_achievements {
    INTEGER id PK
    INTEGER user_id FK
    INTEGER achievement_id FK
    TEXT date_unlocked
  }

  user_points {
    INTEGER id PK
    INTEGER user_id FK
    INTEGER points_earned
    TEXT points_source
    TEXT transaction_id
    INTEGER contribution_id FK
    INTEGER achievement_id FK
    INTEGER challenge_id FK
    TEXT timestamp
  }

  challenges {
    INTEGER id PK
    TEXT title
    TEXT description
    TEXT challenge_type
    INTEGER target_value
    TEXT target_unit
    INTEGER points_reward
    TEXT start_date
    TEXT end_date
    INTEGER is_active
    TEXT created_at
  }

  challenge_progress {
    INTEGER id PK
    INTEGER user_id FK
    INTEGER challenge_id FK
    INTEGER current_progress
    INTEGER is_completed
    TEXT completion_date
    TEXT created_at
    TEXT updated_at
  }

  leaderboard_entries {
    INTEGER id PK
    INTEGER user_id FK
    TEXT leaderboard_type
    REAL score
    INTEGER ranking
    TEXT period_start
    TEXT period_end
    TEXT created_at
    TEXT updated_at
  }

  notifications {
    INTEGER id PK
    INTEGER user_id FK
    TEXT title
    TEXT message
    TEXT notification_type
    INTEGER is_read
    INTEGER related_id
    TEXT created_at
  }

  notification_preferences {
    INTEGER id PK
    INTEGER user_id FK
    INTEGER achievements_enabled
    INTEGER challenges_enabled
    INTEGER leaderboard_enabled
    INTEGER level_up_enabled
    INTEGER badge_enabled
    INTEGER reminder_enabled
    INTEGER daily_limit
    TEXT quiet_hours_start
    TEXT quiet_hours_end
    TEXT created_at
    TEXT updated_at
  }

  user_achievement_progress {
    INTEGER id PK
    INTEGER user_id FK
    INTEGER achievement_id FK
    INTEGER current_progress
    INTEGER target_value
    INTEGER is_completed
    TEXT completed_at
    TEXT created_at
    TEXT updated_at
  }

  contributions ||--o{ users : "user_id"
  contributions ||--o{ projects : "project_id"
  user_achievements ||--o{ users : "user_id"
  user_achievements ||--o{ achievements : "achievement_id"
  user_points ||--o{ users : "user_id"
  user_points ||--o{ contributions : "contribution_id"
  user_points ||--o{ achievements : "achievement_id"
  user_points ||--o{ challenges : "challenge_id"
  challenge_progress ||--o{ users : "user_id"
  challenge_progress ||--o{ challenges : "challenge_id"
  leaderboard_entries ||--o{ users : "user_id"
  notifications ||--o{ users : "user_id"
  notification_preferences ||--o{ users : "user_id"
  user_achievement_progress ||--o{ users : "user_id"
  user_achievement_progress ||--o{ achievements : "achievement_id"

EcoPay is a modular SDK designed for integration into Malaysian e-wallets, bringing real-time environmental impact tracking, gamified sustainability, and automated micro-donations to the everyday consumer. It transforms your e-wallet into a green personal finance coach—with zero friction.

💡 Built for PayHack25 Challenge 3 – ESG/Sustainability:

“How can digital payments be leveraged to seamlessly integrate environmental sustainability and social impact into daily transactions?”

This project was developed for PayHack25 – Challenge 3: ESG/Sustainability:

How can digital payments be leveraged to seamlessly integrate environmental sustainability and social impact into daily transactions?

Our solution is EcoPay, a feature designed to integrate seamlessly into existing e-wallet platforms like TnG eWallet, aimed at making sustainability part of daily spending habits. Our focus is on Gen Z consumers in Malaysia. They are tech-savvy, socially aware, and already active users of digital wallets. They care about the environment but don’t always know how to help. EcoPay empowers them to make better choices through the payment experience they already use.

Today, ESG efforts are mostly limited to corporations and investors. Regular consumers are left out, even though they are part of the impact chain. There is no easy or engaging way for users to:

• Understand their carbon footprint: Most consumers have no visibility into how their daily purchases contribute to climate change
• Make greener spending choices: Lack of real-time information about environmental impact of products/services at point of purchase
• Contribute to social or environmental causes through payments: No seamless integration of charitable giving into everyday transactions

Despite the rise of e-wallets and DuitNow QR in Malaysia, these platforms do not currently promote sustainability in a meaningful way.

• Sustainability Fatigue: Users may become overwhelmed by constant environmental messaging and disengage
• Price Sensitivity: Malaysian consumers, especially Gen Z, may prioritize cost over sustainability despite stated preferences
• Digital Literacy Gaps: Rural users and older demographics may struggle with gamification and impact tracking features
• Trust Issues: Users may be skeptical of environmental impact calculations without third-party verification

• E-Wallet Integration Complexity: Each e-wallet platform (TnG, Boost, GrabPay) has different APIs and integration requirements
• Merchant Adoption: Requires cooperation from merchants to provide detailed product information for accurate impact calculations
• Revenue Model Uncertainty: Unclear sustainable business model for funding the platform long-term
• Regulatory Compliance: Need to comply with financial regulations and data protection laws across different jurisdictions

EcoPay is designed as a plug-in or native feature inside existing e-wallet apps. It educates, nudges, and rewards users for making greener and more socially responsible spending decisions.

• Greener Options: Show users better choices during checkout (e.g., Chicken > Beef, MRT > Ride-share).
• Impact Display: Example: "This meal produced 4.5kg CO₂" or "You saved 1.8kg CO₂ by buying local."
• Gamification: Sync with friends to see top 10 green spenders and earn rewards like cashback or badges.
• Motivation & Progress: A virtual tree graphic grows with your positive impact, and a monthly dashboard shows CO₂ saved, donations, etc.
• Inclusive Design: Multilanguage support (English, BM, Mandarin), simple icons for low-literacy users, and a low-data mode for rural areas.
• Round-Up Donations: Round up to the nearest RM and donate the difference to verified causes.
• AI Chatbot Assistant: Replaces the FAQ and helps users navigate features easily.

• Most Malaysians are unaware of how daily purchases affect the environment.
• ESG remains siloed within big business and finance.
• Climate risks like floods and pollution are rising.
• Digital payments are growing rapidly but not leveraged for social or climate impact.

EcoPay turns spending into action.

• High e-wallet usage: 71% of Malaysian Gen Z use digital wallets.
• Strong climate concern: 71% report experiencing climate anxiety.
• Social media-driven: Fast adoption and peer influence are key to their habits.
• Willing to pay more for eco-products: 66% are open to a premium for sustainable goods.
• Tech-savvy & early adopters: The perfect group to scale awareness and drive change.

• Everyday people can now contribute to sustainability.
• Greater awareness of their carbon footprint and spending habits.
• An easy, rewarding experience that builds good habits.

• Boosts public involvement in national sustainability goals.
• Local data and behavior insights can inform policy.
• Positions Malaysia as an ESG leader in the ASEAN region.

• ESG now affects returns: It’s a smart financial move, not just a moral one.
• Demand for real data: We offer measurable CO₂, donation, and behavior metrics.
• Aligned with national policies: Fits Bank Negara, SRI taxonomy, and ESG mandates.
• Green finance is growing: Our app fits green sukuk and ESG fund goals.
• Scalable ESG enabler: One product can impact millions through a single e-wallet.
• Reduces greenwashing risk: Transparent calculations and trusted sources build confidence.

• Entry Point: Initializes the Flutter application and sets up the main theme and routing.

• UI/UX: Contains all major user-facing screens, including the EcoPay dashboard, QR scanner, payment confirmation, and leaderboards.

• database_helper.dart: Manages the local sqflite database, handling all CRUD operations for transactions, users, contributions, and achievements.
• gamification_helper.dart: Implements the logic for achievements and challenges based on user activity.

• Data Structures: Defines the data models for User, Transaction, Contribution, Project, and other core entities.

• duitnow_qr_parser.dart: Parses DuitNow QR codes to extract merchant information and other payment details.
• environmental_impact_calculator.dart: Calculates the carbon footprint and other environmental metrics for each transaction.

• Reusable Components: Includes custom widgets like the receipt_modal.dart to maintain a consistent UI across the app.

This project is licensed under the MIT License.

EcoPay makes sustainable living part of everyday digital life. By embedding impact into payments, we empower a new generation to take meaningful climate and social action — one transaction at a time. We believe this is how Malaysia can lead in green fintech for the region.

EcoPay turns every transaction into a tiny step for a better planet—no extra effort required.