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The global emphasis on sustainability is driving organizations to embrace financial technology (Fintech) solutions as a means of enhancing their sustainable performance. This study seeks to unveil the intermediary role played by green finance and competitiveness, along with the moderating impact of digital transformation (DT), in the intricate relationship between Fintech adoption and sustainable performance.

Drawing on existing literature, we construct a comprehensive conceptual framework to thoroughly analyse these interconnected variables. To empirical validate of our model, a dual structural equation modelling–artificial neural network) SEM–ANN approach was employed, adding a robust layer of validation to our study’s proposed framework. A sample of 438 banking employees in Pakistan was collected using a simple random sampling technique, with 411 samples deemed suitable for subsequent analysis. Initially, data scrutiny and hypothesis testing were carried out using Smart-PLS 4.0 and SPSS-23. Subsequently, the ANN technique was utilized to assess the importance of exogenous factors in forecasting endogenous factors.

The findings from this research underscore the direct and significant influence of Fintech adoption and DT on the sustainable performance of banks. Notably, green finance and competitiveness emerge as pivotal mediators, bridging the gap between Fintech adoption and sustainable performance. Moreover, DT emerges as a critical moderator, shaping the relationships between Fintech adoption and both green finance and competitiveness. The integration of the ANN approach enhances the SEM analysis, providing deeper insights and a more comprehensive understanding of the subject matter.

This study contributes to the enhanced comprehension of Fintech, green finance, competitiveness, DT and the sustainable performance of banks. Recognizing the importance of amalgamating Fintech adoption, green finance and transformational leadership becomes essential for elevating the sustainable performance of banks. The insights garnered from this study hold valuable implications for policymakers, practitioners and scholars aiming to enhance the sustainable performance of banks within the competitive business landscape.

The purpose of this study is to investigate the factors affecting behaviour intention (BI) to use and actual usages of investment-related FinTech services among the zoomers (Gen Z) and millennials (Gen M) retail investors of India.

The study explores the predictive relevance of actual adoption behaviour among the two different age categories of Indian retail investors. It uses the Unified Theory of Acceptance and Use of Technology-2 and the prospect theory framework as guiding frameworks. Data has been collected from 294 retail investors, actively engaged in the investment-related FinTech services. The multi-group analysis using variance-based partial least square structured equation modelling has been used to compare the two groups. The invariance between the two groups was achieved through measurement invariance assessment.

The study reveals distinct factors significantly affecting BI to use investment-related FinTech services among Gen Z and Gen M retail investors are performance expectancy (PE) to BI, perceived risk (PR) to BI, price value (PV) to BI and PR to service trust (ST).

This study provides insights for financial providers and policymakers, emphasizing different factors influencing BI to use investment-related FinTech services in both age groups. Notably, habit emerges as a common factor influencing the actual usage of investment-related FinTech services across Gen M and Gen Z retail investors in India.

This study explores the heterogeneous behaviour of the heterogenous population in the domain of technological adoption of investment-related FinTech services in India.

The financial system has witnessed the substantial growth of financial technology (fintech) firms. One of the strategies that banks have adopted to cope with this emergence is to cooperate with fintech firms. This study empirically investigated whether cooperation between banks and fintech companies would improve banks’ risk-adjusted returns.

We developed a novel index of bank–fintech cooperation across various fintech sectors. A system generalized method of moments (GMM) was used to examine this relationship using a sample of Vietnamese banks from 2007 to 2019.

The findings show that the diversity of bank–fintech cooperation across seven sectors tends to enhance banks’ risk-adjusted returns. The results also highlight that this relationship may depend on the types of fintech sectors and bank ownership. More specifically, the positive association between this cooperation and banks’ risk-adjusted returns only holds in the comparison sector of fintech, whereas there is a negative relationship between them in the payments and mobile wallets sector. Furthermore, state-owned commercial banks that engage in more bank–fintech cooperation tend to generate greater earnings. If we look at listed banks, the positive effect of bank–fintech partnerships on risk-adjusted returns still holds. A similar result was also found in the case of large banks.

Our empirical evidence provides motivations for incumbent banks to implement appropriate strategies toward diversity in bank–fintech partnerships when fintech firms have engaged in various financial segments.

This study adds more evidence to the existing literature on the relationship between bank–fintech cooperation and bank performance.

This paper aims to conduct a systematic literature review on the fintech services and financial inclusion of the developing nations that particularly focuses on lower middle-income group nations (LMIGN) and upper middle-income group nations (UMIGN) to highlight the research areas that have not received attention and present opportunities for future research.

This paper adopts a systematic approach to examine 65 research articles published from 2016 to 2021, adhering to the Preferred Reporting Items for Systematic Reviews and Meta-Analyses guidelines.

The study identifies research gaps in two key themes: backward and outward linkages. In backward linkages, the literature on UMIGN should pay attention to the behavioural patterns associated with lending, investment and market provision-related fintech services. Further research is needed to understand the relationship between fintech services on the usage and quality dimension of financial inclusion in both LMIGN and UMIGN. For outward linkages, future research work should explore the role of fintech and financial inclusion in the development of LMIGN. This study provides valuable insights and guides future research directions by comprehensively mapping the existing studies.

This study does not use quantitative tools, such as meta and bibliometric analysis, to validate the findings.

This research paper offers new perspectives that introduce a novel framework for analysing literature on fintech, financial inclusion and its impact on the overall development of UMIGN and LMIGN.

Many studies have analysed the impact of various variables on the ability of companies to raise capital. While most of these studies are sector-agnostic, literature on the effects of macroeconomic variables on sectors that established over the last 20 years like property technology and financial technology, is scarce. This study aims to identify macroeconomic factors that influence the ability of both sectors and is extended by real estate variables.

The impact of macroeconomic and real estate related factors is analysed using multiple linear regression and quantile regression. The sample covers 338 observations for PropTech and 595 for FinTech across 18 European countries and 5 deal types between 2000–2001 with each observation representing the capital invested per year for each deal type and country.

Besides confirming a significant impact of macroeconomic variables on the amount of capital invested, this study finds that additionally the real estate transaction volume positively impacts PropTech while the real estate yield-bond-gap negatively impacts FinTech.

For PropTech and FinTech companies and their investors it is critical to understand the dynamic with mac-ro variables and also the real estate industry. The direct connection identified in this paper is critical for a holistic understanding of the effects of measurable real estate variables on capital investments into both sectors.

The analysis fills the gap in the literature between variables affecting investment into firms and effects of the real estate industry on the investment activity into PropTech and FinTech.

The prime purpose of the study is to analyse the effect of fintech adoption on the financial well-being of persons with disabilities (PWDs), considering the intervening role of financial behaviour, financial access and financial knowledge.

A self-administered survey schedule collected primary data on fintech adoption and financial well-being among 205 PWD, through snowball sampling from January to May 2023. Researchers used exploratory factor analysis to identify reliable factors and PLS-SEM for testing mediation and research hypotheses.

The study’s outcome found that fintech adoption does not directly impact the financial well-being of PWDs. Instead, the impact on financial well-being is explained by mediating factors like financial access, financial knowledge and financial behaviour. Financial access is the most significant among these mediating factors.

The study demonstrates the significance of mediating factors in comprehending the influence of fintech adoption on financial well-being. These results underpin existing literature on determinants of financial well-being.

Findings evidenced that developing disabled-friendly fintech tools can enhance financial access, reduce inequality and improve the financial well-being of PWDs, which would be helpful for public policymakers.

There has been no comprehensive study conducted on this topic, particularly among PWDs. In the current study, an effort is being made to examine the relative effects of fintech adoption on financial well-being directly and indirectly through mediating variables.

The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-08-2023-0596

This study aims to explore the impact of financial technology (fintech) and behavioral intention on financial inclusion, specifically focusing on the role of digital marketing as a mediator.

Using a quantitative research design, this study collected data from 638 respondents in the province of Punjab, Pakistan to investigate the relationship between variables.

The results indicate that both behavioral intention and fintech have a positive and favorable effect on financial inclusion. Furthermore, the study reveals that digital marketing acts as a mediating factor between financial inclusion and both behavioral intention and fintech. These findings underscore the significance of using effective digital marketing strategies to facilitate financial inclusion through fintech platforms. Policymakers should prioritize the adoption of fintech innovations and supportive regulatory frameworks while implementing comprehensive digital marketing strategies to promote financial inclusion.

This research contributes to the existing body of literature by presenting empirical evidence that highlights the interconnectedness of fintech, behavioral intention, digital marketing and financial inclusion. By harnessing the potential of fintech and digital marketing, financial institutions can bridge the gap between underserved populations and formal financial services, thereby promoting economic growth and reducing inequality.

This study aims to investigate the association of FinTech innovation (FinTechINN) and firm performance (FP) by considering the role of knowledge assets (KA) as a causal mechanism underlying the FinTechINN – FP association.

In this study, the authors consider panel data of 1,049 Chinese A-listed firm and construct a structural model for corporate FinTech innovation, knowledge assets and firm performance while considering endogeneity issues in analyses over the period of 2014–2022. The modified value added intellectual capital (VAIC) and research and development (R&D) expenses are used as a proxy measure for knowledge assets, considering governance and corporate performance measures.

According to the findings of this study FinTech innovation (FinTechINN) has a positive significant effect on firm performance. Particularly; the findings disclose that FinTech innovations has a link with knowledge assets, FinTech innovations indirectly affects firm performance, and the association between FinTech innovation and firm performance is partially mediated by knowledge assets (MVAIC and R&D expenses).

Rooted in the dynamic capability and resource-based view, this study pioneers an empirical exploration of the association of FinTech innovation with firm performance. Moreover, it introduces the novel dimension of knowledge assets (on firm-level), acting as a mediating factor with in this relationship.

This research aims to comprehend the factors that impact the emerging inclination of consumers toward mobile finance technology (fintech) services over banking institutions. The study focuses on users' demographics and psychographics to delineate their unique segments and profiles.

The study proposes a segmentation and profiling framework that includes variance analysis, two-step cluster analysis and pairwise statistical tests. This framework is applied to a dataset of customers using a range of mobile fintech services, specifically robo-investment, peer-to-peer (P2P) payments, robo-advisory and digital savings. The analysis creates distinct customer profile clusters, which are later validated using pairwise statistical tests based on segmentation output.

Empirical results reveal that P2P payment service users exhibit a higher frequency of usage, proficiency and intention to continue using the service compared to users of robo-investment or digital savings platforms. In contrast, individuals utilizing robo-advisory services are identified to have a significantly greater familiarity and intention to sustain engagement with the service compared to digital savings users.

The findings provide financial institutions, especially traditional banks with actionable insights into their customer base. This information enables them to identify specific customer needs and preferences, thereby allowing them to tailor products and services accordingly. Ultimately, this understanding may strategically position traditional banks to maintain competitiveness amidst the increasing prominence of fintech enterprises.

This research provides an in-depth examination of customer segments and profiles within the mobile fintech services sphere, thus giving a nuanced understanding of customer behavior and preferences and generating practical recommendations for banks and other financial institutions. This study thereby sets the stage for further research and paves the way for developing personalized products and services in the evolving fintech landscape.

The key aim of this study is to highlight current financial technology (FinTech) trends by conducting a bibliometric review of literature derived from the Scopus database.

A bibliometric analysis was conducted on articles gathered from the Scopus database. Microsoft Excel was used to perform the frequency analysis, VOSviewer for visualising the data, and Harzing’s Publish or Perish for the metrics citation.

According to this investigation, research into FinTech has been consistently increasing since 2008. The results indicate that the most active publisher of FinTech literature is Bina Nusantara University in Indonesia. In terms of country of publication, China is identified as the most active. The most cited author is Buckley, R.P., with Rabbani, M.R., having the most publications. It was also identified that FinTech researches come under three primary domains namely business management, computer science and economics.

The primary limitation of this current study is that it only relied on one data source, i.e. Scopus. Implications wise, researchers and practitioners can gain a deeper understanding of FinTech from this study, which also describes the trend in related publications on the concept. Future studies could significantly benefit from the findings of the present paper.

The outcomes of this study can assist researchers in better comprehending and summarising the key drivers of FinTech. In addition, the findings can help new researchers identify the starting point for their research on FinTech.

As far as the authors are aware, this is the first study that reviews FinTech publications derived from Scopus from 2008 to 2022. Hence, it is a pioneering study into FinTech bibliometric analysis, providing an understanding of the structural knowledge by reviewing the timeline of academic progression in FinTech.