Riding the Digital Wave: Deciphering the Relationship of Fintech Adoption and Sustainable Finance in the ESG Era
デジタルの波に乗る：ESG時代におけるフィンテック導入とサステナブルファイナンスの関係の解読 (AI 翻訳)
Shivangi Seth, Jeevesh Sharma
🤖 gxceed AI 要約
日本語
本論文は、フィンテック導入（アクティブインターネットユーザー数）とサステナブルファイナンス（ESGファンドの運用資産額）の関係を、2019～2023年のデータを用いて相関分析とt検定で調査した。結果、両者に強い正の相関があることが分かり、フィンテックがESG投資の促進に寄与している可能性を示唆している。
English
This paper investigates the relationship between fintech adoption, measured by active internet users, and sustainable finance, measured by AUM in ESG funds, using correlation and t-test on secondary data from 2019-2023. It finds a strong positive correlation, suggesting fintech promotes sustainable investment practices. The study offers insights for management on leveraging fintech for ESG goals.
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、フィンテックとESG投資の連携が注目されており、本論文の示す相関関係は、日本の金融機関や企業がデジタル技術を活用してサステナビリティ経営を強化する際の参考となる。
In the global GX context
Globally, this paper contributes to the growing literature on how fintech can drive sustainable finance, which is relevant for the GX discussion on leveraging digital tools for ESG integration and transition finance.
👥 読者別の含意
🔬研究者:Researchers studying the fintech-sustainable finance nexus can use this as a baseline for more causal or granular studies.
🏢実務担当者:Asset managers and fintech firms can use these findings to align digital product strategies with ESG fund growth trends.
🏛政策担当者:Regulators can consider this correlation when designing policies that encourage fintech innovation to support sustainable finance goals.
📄 Abstract（原文）
Fintech, which stands for financial technology, refers to innovative technologies and platforms that change traditional financial services, such as mobile banking, digital payments, and robo-advisors, to increase efficiency and accessibility. The number of active internet users can serve as an indicator of fintech adoption, reflecting the increasing utilization of online platforms and digital services for financial transactions and activities.Sustainable finance refers to financial activities that incorporate ESG considerations into investment decisions, intending to generate long-term value while also contributing to environmental and social goals such as climate change mitigation, social equality, and responsible corporate governance. Assets under management (AUM) in ESG funds serve as an indicator of sustainable finance by reflecting the allocation of capital towards investments that consider environmental, social, and governance criteria, contributing to long-term sustainability goals and responsible investment practices. This research paper seeks to establish a link between Financial Technology (Fintech) and Sustainable Finance by using the number of active internet users as a Fintech indicator and AUM in Environmental, Social, and Governance (ESG) funds as a Sustainable Finance indicator. Data from a secondary reliable source, covering the years 2019-2023 is used for analysis. Python programming is used to run correlation analysis and t-test to determine the statistical significance of the relationship between the two variables. The findings indicate a strong positive relationship between Fintech and Sustainable Finance, showing Fintech's expanding influence on the adoption and promotion of sustainable investment practices. The study emphasizing the significant correlation between fintech and sustainable finance is aimed to provide management with valuable insights into how technological innovations influence sustainable investment decisions, guiding strategic planning and resource allocation to promote environmentally and socially responsible financial practices.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://doi.org/10.52783/ijept.488first seen 2026-06-16 05:15:20
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