A systematic review of AI-driven zero-carbon business models in the financial sector
摘要
The transition to a zero-carbon economy has become a priority for the financial sector in the context of the intensifying global climate crisis and the increasing pressure from regulatory and stakeholder influence. Artificial Intelligence (AI) has become a powerful enabler in transforming the traditional financial sector by offering influential technologies to drive towards sustainability by eliminating carbon emissions. The current chapter presents a Systematic Literature Review (SLR) following PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analyses) guidelines on the role of AI in promoting a zero-carbon business model across the financial sector. This chapter systematically reviews 53 articles published in Scopus from 2014 to 2025. The current review identifies four clusters, namely (1) AI in Finance and Sustainable Financial Reporting, (2) AI-Driven Carbon Accounting and Emission Neutralisation Strategies, (3) AI and Digitalisation for Sustainable Financial Services, and (4) Digital Infrastructure and Industry 4.0 for Achieving Sustainable Development Goals. The empirical findings revealed that AI technologies, such as machine learning and natural language processing, are being significantly adopted in ESG reporting, carbon accounting, green finance, and sustainable portfolio management. AI integration with blockchain, FinTech, Cloud Computing, and Internet of Things has supported the digital financial ecosystem by improving operational efficiency and supporting the realisation of climate goals. This integration of AI with other digital advancements in the financial sector highlights the need for a cohesive approach and supportive policy framework to implement zero-carbon business models throughout the industry.