الريادة لاقتصاديات الأعمال
Volume 12, Numéro 2, Pages 372-389
2026-06-21

How Does The Integration Of Financial Technology And Green Finance Enhancesustainability In The Banking Sector?



Authors : Hafid Fethi .

Abstract

This study examines the criticalrole of Artificial Intelligence (AI) and green digital technologies in advancingsustainable finance within the FinTech sector. Despiterapid global digitalization and significantannualgrowth in FinTech investments, green finance stillaccounts for a minimal share of total financial flows. The findingsdemonstratethat AI and digital paymentssignificantlyenhance ESG analytics, improveenvironmentalriskassessment, and reducebankingcarbonemissions by nearly 40%. However, barrierssuch as regulatory fragmentation, data limitations, and skills gaps persist. The researchconcludesthatunlocking Green FinTech’spotentialrequiresunifiedregulatoryframeworks, strategic infrastructure investments, and robust public-private collaborations to foster long-termsustainablegrowth.

Keywords

Artificial Intelligence ; Green FinTech;SustainableFinance ; Digital Transformation

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