Financial Technology-Enabled Sustainable Finance for Small- and Medium-Sized Enterprises

Published: Jan. 1, 2025

This study aims to assess how FinTech facilitates sustainable finance (SF) for small- and medium-sized enterprises (SMEs). Therefore, the identified several solutions, including blockchain, artificial intelligence (AI), digital banking payment systems, crowdfunding peer-to-peer (P2P) lending, that facilitate SF SMEs. The research indicates helps financial institutions provide effectively efficiently Blockchain technology is effective transparent secure transactions because it can narrow credit gaps, lower information asymmetry, increase availability of funds, improve evaluation processes, promote inclusion. AI applied identify fraud, anticipate mitigate environmental, social, governance (ESG)-related events, enhance risk management programs through use different methods such as behavioral modeling, sequential clustering. Crowdfunding connects funders with campaigns. Business owners start-up founders are able communicate investors regarding their companies via crowdsourcing website, which serves a place collect input from other people online. Smart contracts decentralized, verifiable, auto-enforcing features allow encoded business rules be carried out in P2P network without assistance single server or believed authority. successful case studies validate our study. Finally, provides significant policy regulatory implications all stakeholders.

Language: Английский

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Green Banking Practices, Opportunities, and Challenges for Banks: A Systematic Review

Climate, Journal Year: 2025, Volume and Issue: 13(5), P. 102 - 102

Published: May 14, 2025

Green banking has become a concept of interest, particularly with the focus on role played by banks in pursuing Sustainable Development Goal 13 climate action. This study is distinguished from previous ones that it aimed at investigating multi-regional view green practices/activities around world special emphasis opportunities and challenges various encounter different geographical areas. A systematic review approach was adopted based Web Science Scopus databases, which 159 articles were retrieved 62 synthesized through thematic analysis. The research process demonstrated Prisma 2020 flowchart. Key multiregional activities identified include digital banking, loan or sukuk products for Islam-dominated economies, services investments, financing infrastructure. In essence, implementation either directly active lending greening their operations indirectly enhancing conditions. key regulatory handles, social economic culture hinderances, transition risk high cost compliance, greenwashing concerns, weak investor confidence. most prevalent included as strategic competitive advantage, emerging market niche, strategy long-term management.

Language: Английский

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A Detailed Comprehensive Role of Digital Technologies in Green Finance Initiative for Net‐Zero Energy Transition

Advanced Energy and Sustainability Research, Journal Year: 2025, Volume and Issue: unknown

Published: April 25, 2025

This review explores the transformative potential of digital technologies in advancing green finance initiatives to support net‐zero energy transitions. It examines how innovations FinTech, blockchain, artificial intelligence, and Internet Things drive innovation financing mechanisms, enhance transparency, improve operational efficiencies across critical sectors, including renewable energy, carbon reduction, lower consumption, industrial transformation, low‐carbon technologies, sustainable infrastructure electric vehicles buildings. Further, this addresses challenges associated with implementing these such as data security risks, regulatory inconsistencies, unequal access tools. Additionally, article provides several real‐life case studies success stories, well actionable recommendations that can help develop scalable, equitable, transparent solutions. The results study further highlight interplay between initiatives, which play a role driving sustainable, future by reducing emissions.

Language: Английский

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Managing environmental finance in the digital era: Evidence from green bonds

Journal of Environmental Management, Journal Year: 2024, Volume and Issue: 373, P. 123434 - 123434

Published: Dec. 2, 2024

Language: Английский

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