From Intergenerational Intention to Institutional Execution: Operationalizing Climate-Aligned Financial Change through Community Network Integration (CNI)

This preprint builds on recent research examining how intergenerational preferences and behaviors may influence financial institutions in the context of fossil fuel divestment. While prior work identifies a credible behavioral pathway linking career orientation, activism, engagement, and investment decisions, the translation of these signals into coordinated institutional outcomes remains incompletely specified. This paper introduces a systems-oriented extension that focuses on execution. A four-layer functional architecture—signal, coordination, execution, and feedback—is outlined to describe how behavioral inputs may become decision-relevant within financial institutions operating under fiduciary and regulatory constraints. Community Network Integration (CNI) is presented as an illustrative coordination framework that may support structured, multi-stakeholder engagement across financial institutions, regulators, insurers, and industry actors. Within this framing, informal behavioral signals can be translated into auditable, standardized inputs that are compatible with institutional decision processes. The paper is conceptual in nature and does not attempt empirical validation. Rather, it provides a structured lens for examining how intention-based change may be extended into execution-capable transformation. The approach is designed to be testable, scalable, and consistent with existing governance, legal, and financial frameworks.