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Financial stocks that are caused by climate remain institutional challenges to financial institutions working in the weak sectors in Asia. The regional economies have been faced with the consequences of a growing exposure to floods, droughts and extreme weather and as such, the pressure on adaptive financial systems has become heightened. Fintech like Blockchain-based risk settlement, AI-based climate risk prediction, climate-linked derivatives and green reinsurance structuring are some future prospects of increasing institutional resilience. This paper examines how the following innovations based on digital climates, including blockchain-based risk settlement, artificial-intelligence-assisted climate forecasting, climate-linked derivative instruments and green reinsurance mechanisms, can impact efficiency in risk transfer by institutions and climate resilience in the Indian financial market. The utilisation of SmartPLS-SEM was used to analyse a structured survey of 412 expert professionals in the banking, insurance, reinsurance, climate-finance agencies and public institutions. The results of the measurement revealed high levels of internal consistency and convergent validity (Cronbach’s alpha =0.861–0.902; AVE = 0.602–0.701). Structural path analysis The effect of blockchain-based settlement systems (b = 0.281, p < 0.001), AI-driven forecasting models (b = 0.314, p < 0.001) and climate-linked derivatives (b = 0.167, p = 0.016) is significantly positive, whereas green reinsurance structures did not suggest significant impacts, which is associated with the lack of development and the depth of policy. Risk-transfer efficiency within the institution was highly promoted with respect to climate resiliency (b = 0.576, p < 0.001), which highlights the significance of the digital tool in the creation of climate-responsive financial systems. These findings reveal that technology-based climate-finance mechanisms play a strategic role in enhancing institutional preparedness, risk-absorption capacity and regulatory alignment. The work can be useful to policy-makers and financial institutions to expedite the digitalization of climate-related infrastructure, create strong derivative markets and encourage green insurance products to be regulated in new markets.

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Smart Finance for Climate Resilience: Examining Blockchain, AI Forecasting, Derivatives and Green Reinsurance in Institutional Risk Strategy

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  • 发表日期：

    2026年

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  • Priyanka Chawla,
  • Meenakshi Chawla,
  • Aleksandra Błachnio

摘要

Financial stocks that are caused by climate remain institutional challenges to financial institutions working in the weak sectors in Asia. The regional economies have been faced with the consequences of a growing exposure to floods, droughts and extreme weather and as such, the pressure on adaptive financial systems has become heightened. Fintech like Blockchain-based risk settlement, AI-based climate risk prediction, climate-linked derivatives and green reinsurance structuring are some future prospects of increasing institutional resilience. This paper examines how the following innovations based on digital climates, including blockchain-based risk settlement, artificial-intelligence-assisted climate forecasting, climate-linked derivative instruments and green reinsurance mechanisms, can impact efficiency in risk transfer by institutions and climate resilience in the Indian financial market. The utilisation of SmartPLS-SEM was used to analyse a structured survey of 412 expert professionals in the banking, insurance, reinsurance, climate-finance agencies and public institutions. The results of the measurement revealed high levels of internal consistency and convergent validity (Cronbach’s alpha =0.861–0.902; AVE = 0.602–0.701). Structural path analysis The effect of blockchain-based settlement systems (b = 0.281, p < 0.001), AI-driven forecasting models (b = 0.314, p < 0.001) and climate-linked derivatives (b = 0.167, p = 0.016) is significantly positive, whereas green reinsurance structures did not suggest significant impacts, which is associated with the lack of development and the depth of policy. Risk-transfer efficiency within the institution was highly promoted with respect to climate resiliency (b = 0.576, p < 0.001), which highlights the significance of the digital tool in the creation of climate-responsive financial systems. These findings reveal that technology-based climate-finance mechanisms play a strategic role in enhancing institutional preparedness, risk-absorption capacity and regulatory alignment. The work can be useful to policy-makers and financial institutions to expedite the digitalization of climate-related infrastructure, create strong derivative markets and encourage green insurance products to be regulated in new markets.