FinTech Adoption and ESG Performance in MENA Banks: The Mediating Role of Corruption Risk
MENA銀行におけるFinTech導入とESGパフォーマンス：汚職リスクの媒介効果 (AI 翻訳)
Sad Abu alim, Marwan Mansour
🤖 gxceed AI 要約
日本語
MENA11カ国152行の2013～2023年パネルデータを用い、FinTech導入がESGパフォーマンスに正の影響を与え、汚職リスクが部分媒介することを実証。特にガバナンスと社会面で効果が強く、環境面は弱い。デジタルガバナンスの重要性を示唆。
English
Using a panel of 152 banks across 11 MENA countries (2013–2023), this study finds that FinTech adoption positively impacts ESG performance, with corruption risk partially mediating this relationship. Effects are stronger for governance and social pillars than environmental. Highlights digital governance mechanisms in emerging economies.
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
本論文は、日本企業のESG向上においても、デジタル技術による内部統制強化（汚職防止）が有効である可能性を示唆する。ただしMENA地域に特化しており、日本の制度環境への直接応用には注意が必要。
In the global GX context
This paper provides empirical evidence from emerging markets that FinTech can improve ESG performance through corruption control, offering insights for global sustainable finance. It complements the growing literature on digital governance and ESG, relevant to policymakers and investors focusing on emerging economies.
👥 読者別の含意
🔬研究者:Demonstrates corruption risk as a mediator in the FinTech-ESG relationship, opening avenues for governance-focused research.
🏢実務担当者:Banks can leverage FinTech tools to enhance ESG scores by reducing corruption risk and improving transparency.
🏛政策担当者:Regulators should promote digital transparency initiatives to strengthen ESG outcomes in the banking sector.
📄 Abstract（原文）
FinTech adoption is increasingly viewed as a catalyst for sustainable finance, yet empirical evidence on how and under what conditions it enhances environmental, social, and governance (ESG) performance remains mixed, particularly in emerging economies. This study examines the relationship between FinTech adoption and ESG performance in MENA banks, explicitly modeling corruption risk as an internal governance transmission channel. Using a panel of 152 listed banks across 11 MENA countries over the period 2013–2023 and a novel bank-level FinTech Adoption Index constructed through textual analysis of annual reports, we employ fixed-effects and dynamic System GMM estimations to examine both direct and indirect effects. The results show that FinTech adoption is positively associated with ESG performance. More importantly, corruption risk partially mediates this relationship, indicating that FinTech enhances sustainability outcomes not only through improved disclosure and transparency, but also by strengthening internal governance and constraining integrity-related risks. The indirect effect is economically meaningful, underscoring the role of digital governance mechanisms in institutionally constrained settings. Pillar-level analysis reveals stronger effects for the governance and social dimensions, while environmental effects are comparatively weaker. Additional robustness analyses confirm the persistence of these findings across institutional settings and crisis periods. These findings contribute to the FinTech–ESG literature by identifying corruption risk as a key governance mechanism and provide policy-relevant insights for regulators and banks seeking to leverage digital transformation to achieve substantive sustainability outcomes in emerging banking systems.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://doi.org/10.3390/su18041887first seen 2026-05-15 18:27:28
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