FINTECH, SUSTAINABLE FINANCE, AND FINANCIAL INCLUSION: A SYSTEMATIC LITERATURE REVIEW
DOI:
https://doi.org/10.31959/jm.v15i3.3860Abstract
Introduction: This study aims to analyze the relationship between Financial Technology (FinTech), sustainable finance, and financial inclusion through a systematic literature review of relevant national and international studies.
Methods: The research applies a qualitative approach using a systematic literature review method of 86 Scopus-indexed scientific articles discussing FinTech innovation, the implementation of Environmental, Social, and Governance principles, and digital transformation in supporting green finance and sustainable development.
Results: The findings indicate that FinTech plays a significant role in expanding access to financial services for unbanked and underbanked populations, improving transaction efficiency, and strengthening sustainable finance practices through data transparency, green financing mechanisms, and carbon emission tracking based on digital technologies such as blockchain and artificial intelligence. Furthermore, FinTech contributes to accelerating the achievement of Sustainable Development Goals by facilitating environmentally friendly investments and microfinancing for green projects. However, several challenges remain, including regulatory fragmentation across countries, cybersecurity risks, and the lack of standardized global Environmental, Social, and Governance metrics. This study concludes that collaboration among governments, financial institutions, regulators, and technology industry actors is essential to optimize the potential of FinTech in building an inclusive, innovative, and sustainable financial system.
Keywords: FinTech, Sustainable Finance, Financial Inclusion
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