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<p>Over the last ten years, financial technology (Fintech) has dramatically reshaped the financial services industry by introducing innovative digital solutions. In Pakistan, banks are confronted with the challenge of balancing environmental responsibilities with economic growth objectives. This study examines the role of green financial technology (Green Fintech) in promoting environmental sustainability within the country’s banking sector. A structured questionnaire was administered to 250 banking professionals in Rawalpindi and Islamabad to collect quantitative data. The analysis shows that factors such as regulatory support, technological infrastructure, and financial inclusion play a critical role in determining the adoption and effectiveness of green Fintech initiatives. These solutions contribute to reducing carbon emissions, encouraging environmentally conscious decision-making, and mitigating climate-related financial risks, thereby transforming sustainability practices in Pakistani banks. The findings offer practical guidance for banking institutions and policymakers while advancing the broader understanding of sustainable finance adoption in emerging market contexts.</p>

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The Role of Green Fintech in Advancing Environmental Sustainability: Evidence from Pakistan’s Banking Industry

  • 期刊论文

  • 发表日期：

    2026年1月24日

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  • Rehana Batool,
  • Rana Muhammad Sohail Jafar,
  • Safdar Hussain,
  • Majid Ali,
  • Saira Mahmood

摘要

Over the last ten years, financial technology (Fintech) has dramatically reshaped the financial services industry by introducing innovative digital solutions. In Pakistan, banks are confronted with the challenge of balancing environmental responsibilities with economic growth objectives. This study examines the role of green financial technology (Green Fintech) in promoting environmental sustainability within the country’s banking sector. A structured questionnaire was administered to 250 banking professionals in Rawalpindi and Islamabad to collect quantitative data. The analysis shows that factors such as regulatory support, technological infrastructure, and financial inclusion play a critical role in determining the adoption and effectiveness of green Fintech initiatives. These solutions contribute to reducing carbon emissions, encouraging environmentally conscious decision-making, and mitigating climate-related financial risks, thereby transforming sustainability practices in Pakistani banks. The findings offer practical guidance for banking institutions and policymakers while advancing the broader understanding of sustainable finance adoption in emerging market contexts.