Green FinTech Adoption and Sustainable Investment Behaviour: An Integrated Framework of Technology, Trust, Literacy, and Financial Considerations

Abstract

The growing convergence of financial technology and sustainability has created new opportunities for promoting environmentally responsible investment behaviour. This conceptual study examines the role of Green FinTech and digital financial platforms in shaping sustainable investment behaviour, with particular emphasis on the technological, behavioural, informational, and financial factors influencing investor decisions. The proposed framework integrates perceived usefulness, perceived ease of use, personalisation, digital financial literacy, sustainable finance literacy, sustainability awareness, platform transparency, information quality, and investor trust as key determinants of Green FinTech adoption. The framework further proposes that Green FinTech adoption influences sustainable investment intention, which subsequently affects sustainable investment behaviour. Sustainable investment intention is positioned as a mediating mechanism, while financial risk perception and expected financial returns are considered important behavioural factors influencing sustainable investment decisions. The study addresses existing research gaps by connecting technology adoption with investor capabilities, platform credibility, sustainability considerations, and conventional financial concerns within an integrated framework. It provides theoretical and practical insights for financial institutions, FinTech platforms, investors, and policymakers seeking to promote sustainable digital finance. Future empirical research can validate the proposed relationships using survey data and advanced statistical techniques including CFA, SEM, mediation, moderation, and multi-group analysis.