This study looks at how financial technology (Fintech) relates to green innovation (GI) and green finance (GF) in banking. It examines how these elements interact with environmental performance. As technology grows quickly, research shows that environmental problems are becoming more urgent. These factors form a key framework for grasping the future of sustainable banking. This study looks at how Fintech affects green finance. It also shows how Fintech encourages innovation in financial institutions. Fintech disrupts traditional financial services and redirects funding to eco-friendly projects. This shift encourages innovation in the green sector. We explore how Fintech improves banking’s environmental performance. Fintech can help a bank reduce its environmental impact. It does this by streamlining operations, cutting costs, and enhancing processes. The study looks at how Fintech affects banks’ environmental performance. Fintech can improve financial operations, cut costs, and enhance processes. As a result, it can help banks reduce their environmental impact. Research indicates that a relationship exists between environmental performance and Fintech adoption. Green innovation acts as a mediator in this process. Green innovation drives change. It turns Fintech efficiencies into real gains for the environment. This happens by creating eco-friendly products and practices. Employing a comprehensive research framework encompassing SEM analysis, this paper offers insights into the intricate connections between Fintech adoption, green finance, green innovation, and environmental performance in the banking sector. The findings provide valuable guidance for policymakers, banking institutions, and innovators seeking to navigate the evolving landscape of sustainable finance and technology.