The Impact of Financial Technologies (FinTech) on the Sustainable Performance Dimensions of Banks within the Banking Industry

SeyyedAbdolHojjat  MoghadasNian,Zahra  KheimeGard

ПРЕПРИНТ

Эта статья является препринтом и не была отрецензирована.
О результатах, изложенных в препринтах, не следует сообщать в СМИ как о проверенной информации.

The Impact of Financial Technologies (FinTech) on the Sustainable Performance Dimensions of Banks within the Banking Industry

S. MoghadasNian,

Z. KheimeGard

2026-05-03

https://doi.org/10.24108/preprints-3115145

This research investigates the transformative impact of Financial Technologies (FinTech) on the sustainable performance dimensions of banks, integrating environmental, social, and governance (ESG) criteria into banking operations. Through a mixed-methods approach, the study identifies key performance indicators (KPIs), gathers qualitative insights from industry professionals, and conducts a comparative analysis across different banking environments and geographical regions. Findings reveal that FinTech significantly enhances banks' sustainability by improving operational efficiency, promoting environmental stewardship through green finance initiatives, and advancing financial inclusion. The study contributes to the academic discourse on digital finance and sustainability by providing a comprehensive framework for assessing FinTech's role in sustainable banking practices. It offers actionable recommendations for banks to strategically leverage FinTech for sustainability goals, highlighting the necessity of regulatory support and innovation in sustainable product development. Future research directions emphasize the need for longitudinal studies to assess the long-term impacts of FinTech and explore the influence of emerging technologies on banking sustainability.

Ссылка для цитирования:

MoghadasNian S., KheimeGard Z. 2026. The Impact of Financial Technologies (FinTech) on the Sustainable Performance Dimensions of Banks within the Banking Industry. PREPRINTS.RU. https://doi.org/10.24108/preprints-3115145

Список литературы

1. Jihane, T., & Moutahaddib, A. (2022). Banks and FinTech Relationship in a Digital Transformation Context. European Scientific Journal, ESJ.

2. Paul, L. R., & Sadath, L. (2021). A Systematic Analysis on FinTech and Its Applications. 2021 International Conference on Innovative Practices in Technology and Management (ICIPTM).

3. Faccia, A., & Petratos, P. (2021). Blockchain, Enterprise Resource Planning (ERP) and Accounting Information Systems (AIS): Research on e-Procurement and System Integration. Applied Sciences.

4. Vukovljak, B. (2023). The incorporation of fintechs into the banking sector: The fintech N26 as a case study. MAP Social Sciences.

5. Hristov, I., & Chirico, A. (2019). The Role of Sustainability Key Performance Indicators (KPIs) in Implementing Sustainable Strategies. Sustainability.

6. Vergara, C. C., & Agudo, L. F. (2021). Fintech and Sustainability: Do They Affect Each Other? Sustainability.

7. Łasak, P., & Gancarczyk, M. (2021). Systemizing the impact of fintechs on the efficiency and inclusive growth of banks' services. The Digitalization of Financial Markets.

8. Pawłowska, M., Staniszewska, A., & Grzelak, M. (2022). Impact of FinTech on Sustainable Development. Financial Sciences.

9. Herindar, E., & Rusydiana, A. (2022). Covid Impact On Banking Industry: Research Mapping Using R. El Barka: Journal of Islamic Economics and Business.

10. Puschmann, T., Hoffmann, C., & Khmarskyi, V. (2020). How Green FinTech Can Alleviate the Impact of Climate Change—The Case of Switzerland. Swiss Finance Institute Research Paper Series.

11. Wu, A.-C., & Kao, D.-D. (2022). Mapping the Sustainable Human-Resource Challenges in Southeast Asia’s FinTech Sector. Journal of Risk and Financial Management.

12. Mejía-Escobar, J. C., González-Ruiz, J. D., & Duque‐Grisales, E. (2020). Sustainable Financial Products in the Latin America Banking Industry: Current Status and Insights. Sustainability.

13. Calis, G., & Kelleci, A. (2023). SOCIAL SUSTAINABILITY VIA DIGITAL FINANCIAL INCLUSION IN THE BANKING INDUSTRY. Pressacademia.

14. Abad-Segura, E., González-Zamar, M.-D., López-Meneses, E., & Vázquez-Cano, E. (2020). Financial Technology: Review of Trends, Approaches and Management. Mathematics.

15. Turuev, I. B., & Shashkina, E. O. (2023). Methodological approach to the assessment of the national banking sector transformation under the influence of fintech. RUDN Journal of Economics.

16. Sendjaja, T., Rivai Zainal, V., Imaningsih, E. S., Nawangsari, L. C., & Lo, S. J. (2012). Digital Bank Transformation: Sustainable Innovation in Financial Institutions. Journal of World Science.

17. Jihane, T., & Aziz, M. (2022). Banks and FinTech Relationship in a Digital Transformation Context. European Scientific Journal, ESJ.

ПРЕПРИНТ

ИНФОРМАЦИЯ

Использование куки-файлов