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<p>This paper deals with the impact of FinTech on the sustainability of the financial service sector. The study used SPAR 4 SLR to analyze 129 high-impact articles available from 2016 to 2024. The review identified five key themes: responsible finance in the digital era, global perspectives of FinTech and economic development, sustainable finance for a green future, financial inclusion through FinTech adoption, and innovations for sustainable economy and regulatory implications. The study proposes an organizing framework based on the key antecedents and consequences identified from the analysis. Some of the key antecedents of sustainable FinTech identified were customer trust (personal), social influence (social), regulation (environmental), green bonds (investment), digital literacy, digital financial inclusion and blockchain (technological). The study highlighted significant implications for policymakers and pinpointed key areas for future research. These include developing strategies to encourage the adoption of sustainable financial practices through regulatory frameworks, exploring methods to reduce cash dependency, and investigating the role of incentives and rewards in fostering long-term engagement with FinTech platforms. Additionally, it proposed specific propositions to further advance the field of sustainable FinTech. The findings demonstrate the capacity of FinTech to catalyse positive shifts toward sustainability.</p>

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Exploring the Role of FinTech in Sustainable Financial Services: Literature Review and Future Research Agenda

  • 期刊论文

  • 发表日期：

    2026年3月10日

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  • Anusha Rajan,
  • Bharadhwaj Sivakumaran,
  • Lalita Mohan Mohapatra

摘要

This paper deals with the impact of FinTech on the sustainability of the financial service sector. The study used SPAR 4 SLR to analyze 129 high-impact articles available from 2016 to 2024. The review identified five key themes: responsible finance in the digital era, global perspectives of FinTech and economic development, sustainable finance for a green future, financial inclusion through FinTech adoption, and innovations for sustainable economy and regulatory implications. The study proposes an organizing framework based on the key antecedents and consequences identified from the analysis. Some of the key antecedents of sustainable FinTech identified were customer trust (personal), social influence (social), regulation (environmental), green bonds (investment), digital literacy, digital financial inclusion and blockchain (technological). The study highlighted significant implications for policymakers and pinpointed key areas for future research. These include developing strategies to encourage the adoption of sustainable financial practices through regulatory frameworks, exploring methods to reduce cash dependency, and investigating the role of incentives and rewards in fostering long-term engagement with FinTech platforms. Additionally, it proposed specific propositions to further advance the field of sustainable FinTech. The findings demonstrate the capacity of FinTech to catalyse positive shifts toward sustainability.