Beyond Averages: FinTech, Digitalization, and the Heterogeneous Drivers of Green Finance in Europe
平均を超えて：FinTech、デジタル化、そして欧州におけるグリーンファイナンスの不均質な推進要因 (AI 翻訳)
Fayçal Chiad
🤖 gxceed AI 要約
日本語
本研究は、2000～2022年の欧州29カ国を対象に、FinTechの発展、デジタル化、金融アクセス、構造的要因が再生可能エネルギー投資（グリーンファイナンスの一形態）に与える影響をMMQR手法で分析。結果は、FinTechが全分位でグリーン投資を促進し、デジタル基盤が先進国で効果を増幅する一方、天然資源依存が資源の呪いとして作用することを示す。政策含意として、初期段階の国は金融アクセスとデジタル化を優先、先進国はFinTech深化と資源依存対策が必要とされる。
English
This study examines how FinTech development, digitalization, financial access, and structural factors affect public renewable energy investment across 29 European countries (2000-2022) using MMQR. Results show FinTech consistently promotes green investment across all quantiles, digital infrastructure amplifies effects in advanced regimes, and natural resource dependence acts as a resource curse. Policy implications suggest early-stage economies prioritize financial access and digitalization, while advanced economies deepen FinTech adoption and address resource constraints.
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、日本におけるグリーンファイナンス戦略、特にFinTechとデジタル化が再生可能エネルギー投資を促進する役割について示唆を与える。日本のエネルギー転換は同様の構造的課題に直面しており、分位別の政策含意は地域的な投資アプローチに役立つ可能性がある。
In the global GX context
This paper contributes to global green finance scholarship by highlighting distributional heterogeneity in drivers of renewable investment. It emphasizes that FinTech and digital infrastructure are critical for scaling green finance, with implications for both developed and emerging economies.
👥 読者別の含意
🔬研究者:Provides robust evidence on the heterogeneous effects of FinTech and digitalization on renewable energy investment using quantile regression, useful for designing targeted policy interventions.
🏢実務担当者:Financial institutions and renewable energy project developers can use these findings to prioritize FinTech and digital tools for expanding green investment in different market stages.
🏛政策担当者:Policymakers can derive quantile-specific strategies: for emerging markets, enhance financial access and digital infrastructure; for advanced economies, deepen FinTech adoption and reduce resource dependence.
📄 Abstract（原文）
As countries accelerate their transition toward low-carbon economies, understanding the drivers of green finance is essential for shaping effective sustainability policies. This study investigates how FinTech development, digitalization, financial access, and structural factors influence public renewable energy investment—a measurable dimension of green finance—across 29 European countries over 2000–2022, using the Method of Moments Quantile Regression (MMQR). Results reveal strong distributional heterogeneity: FinTech consistently promotes green investment across all quantiles, digital infrastructure amplifies this effect in advanced regimes, and financial access is most binding at lower quantiles. Natural resource dependence exerts a persistent resource curse constraint that intensifies at higher quantiles. Three robustness strategies—2SLS-IV and quantile fixed effects QFE confirm a causal positive FinTech effect. Quantile-specific policy implications are derived: early-stage green investors should prioritize financial access and digital infrastructure, while advanced economies should deepen FinTech adoption and address resource-dependence constraints.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://doi.org/10.3390/jrfm19060433first seen 2026-06-19 05:36:07
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