Fintech Innovation and Green Investing: How Digital Infrastructure Drives Investor Behaviour in India
フィンテックのイノベーションとグリーン投資：デジタルインフラがインドの投資家行動に与える影響 (AI 翻訳)
Ms. Fareeda
🤖 gxceed AI 要約
日本語
本研究は、インドのデジタル公共インフラ（DPI）が持続可能な金融の触媒として果たす役割を検証。グリーンボンドの趨勢分析と200人の個人投資家調査から、統一融資インターフェース（ULI）やAPIベースのESGダッシュボードが情報非対称性を28%削減したことを示す。また、投資家の認識は向上したが、実際の資本配分はフィンテックプラットフォームの「使いやすさ」に強く影響されることを明らかにした。
English
This study examines the role of Digital Public Infrastructure (DPI) as a catalyst for sustainable finance in India. Combining secondary analysis of green bond trends (2020–2025) and a survey of 200 retail investors, it finds that the Unified Lending Interface (ULI) and API-based ESG dashboards reduced information asymmetry by 28%. It also reveals that investor awareness has surged, but capital allocation is heavily mediated by the perceived ease of use of fintech platforms.
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
日本でも、マイナンバーやデジタル庁の取り組みを活用したグリーン金融の促進が議論されている。インドのDPIモデルは、投資家の「認識と行動のギャップ」を埋める示唆を提供する。
In the global GX context
India's Digital Public Infrastructure offers a replicable blueprint for leveraging fintech to bridge the awareness-action gap in sustainable finance. This is highly relevant for global climate finance discussions, especially for developing countries aiming to mobilize retail green capital.
👥 読者別の含意
🔬研究者:Provides empirical evidence on how digital infrastructure affects green investor behavior, contributing to the literature on fintech and sustainable finance.
🏢実務担当者:Offers insights for designing fintech platforms that reduce information asymmetry and increase green investment uptake, particularly in emerging markets.
🏛政策担当者:Highlights the potential of DPI to accelerate green capital mobilization, relevant for countries exploring digital identity and payment systems for climate goals.
📄 Abstract（原文）
India’s 2070 Net-Zero commitment requires an estimated $10 trillion in green capital. While the India Stack has revolutionized financial access, the systemic transition to a sustainable financial system depends on aligning technological innovation with investor behaviour. The study examines the role of Digital Public Infrastructure (DPI) as a catalyst for sustainable finance by analysing its impact on investor awareness and behavioural intentions. The study combines both secondary analysis of green bond trends (2020–2025) and a primary survey of 200 retail investors. The empirical results indicate that the Unified Lending Interface (ULI) and API-based ESG dashboards have reduced information asymmetry by 28%. Furthermore, investor awareness of green instruments has surged, but actual capital allocation is heavily mediated by the "perceived ease of use" of fintech platforms. The study assesses how the India’s DPI-led model which provides a global blueprint for using innovation helps to bridge the "Awareness-Action Gap" in sustainable finance.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://doi.org/10.65521/ijrdmr.v15i1.1890first seen 2026-05-15 21:53:39
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