The energy transition of homes toward the EU decarbonisation targets involves many options and choices, the average citizens cannot navigate this maze and identify the best solutions for them. Professionals providing relevant services encounter substantial costs in tailoring their services to individual potential customers due to unavailability of essential data from actual households. DECODIT will develop digital services to support citizens on decision making for participated in the energy transition through co-created services and customer journeys. DECODIT will deliver tools that clearly present concrete, personalised & comparable propositions to citizens for future-proofing their homes based on federated, data-driven services from multiple, diverse service providers. Thus, citizens will be able to compare and select the options that best fit their specific situation and personal needs via apps supporting natural language interfaces, so that citizens with low energy or digital literacy can benefit. Also, DECODIT will facilitate financing for the selected interventions through cross-sector, data-driven loan underwriting approaches to reduce entry barriers for capital providers, hence unlocking consumer investment in home upgrades. DECODIT will contribute in shaping the smart energy landscape with critical enablers, such as enabling business models and market & regulatory conditions. Project results will be demonstrated in four European countries (Latvia, Spain, Greece, Switzerland) that are very diverse in terms of building characteristics, cultural and regulatory frameworks, climate conditions, economic capabilities, etc. Piloting activities will be held under the supervision of market actors that span the value chain needed for exploitation (energy suppliers, ESCO, DSO, energy communities).