Aligning Inclusive Finance with the European Union’s Digital–Green Twin Transition
包摂的金融と欧州連合のデジタル・グリーン・ツイン移行の整合 (AI 翻訳)
Massimo Preziuso
🤖 gxceed AI 要約
日本語
本稿は、EUのデジタル・グリーン・ツイン移行に対応する包摂的金融機関の適応と、規制設計による整合強化の可能性を探る。26のマイクロファイナンス、中小企業金融、社会的フィンテックへの定性調査から、国内MFIと越境フィンテックのパートナーシップによるハイブリッドモデルが、持続可能性目標と整合したスケーラブルなエコシステムを構築することを示す。EU全体での規制サンドボックスが包摂的でグリーンな金融革新を促進すると提言する。
English
This study examines how inclusive finance organizations adapt to the EU's digital-green twin transition. Based on qualitative insights from 26 institutions, it finds that hybrid models combining national microfinance institutions and cross-border fintech platforms enable scalable, high-tech, high-touch ecosystems aligned with sustainability objectives. The paper argues for a coordinated EU-wide regulatory sandbox to advance inclusive, green financial innovation.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
日本では、金融包摂とグリーン移行の連携はまだ議論途上にある。EUの規制サンドボックスやハイブリッドモデルの知見は、日本の地域金融機関や政策立案者にとって、GXと金融包摂の両立を考える上で示唆に富む。
In the global GX context
This paper offers a rare empirical look at how inclusive finance can support the green transition in Europe. Its findings on regulatory sandboxes and hybrid partnership models provide actionable insights for policymakers and practitioners designing green financial inclusion strategies globally, especially in emerging markets.
👥 読者別の含意
🔬研究者:Researchers studying the intersection of financial inclusion and green finance will find the qualitative evidence on hybrid models valuable for theory building.
🏢実務担当者:MFIs and fintechs can use the partnership models and regulatory sandbox proposals to structure their own green digital strategies.
🏛政策担当者:EU and national regulators can consider the coordinated sandbox proposal to foster inclusive green finance.
📄 Abstract（原文）
This study examines how inclusive finance organisations are adapting to the European Union (EU)’s digital–green twin transition and how regulatory design can reinforce this alignment. Drawing on qualitative insights from 26 institutions—including microfinance organisations, small and medium-sized enterprise finance providers and socially oriented fintechs—across the EU and neighbouring countries, the analysis identifies how digitalisation, financial inclusion and environmental sustainability are being integrated into organisational strategies. The findings show that hybrid models, built on partnerships between nationally rooted microfinance institutions and cross-border fintech platforms, enable scalable, high-tech, high-touch ecosystems that align closely with sustainability objectives. The study argues that a coordinated EU-wide regulatory sandbox would advance inclusive, green financial innovation and build resilience across the inclusive finance ecosystem.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://doi.org/10.3390/jrfm19010071first seen 2026-05-15 20:54:20 · last seen 2026-06-16 05:16:41
🔔 こうした論文の新着を逃したくない方は キーワードアラート に登録（無料・3キーワードまで）。
gxceed は公開メタデータに基づく研究支援データセットです。要約・翻訳・解説は AI 支援で生成されています。 最終的な解釈・検証は利用者が原典資料に基づいて行うことを前提とします。