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LongDbName: IEEE Xplore Digital Library
ShortDbName: edseee
AN: edseee.11613740
Title: FinTech Adoption, Green Finance, and Financial Literacy: A Unified
Framework for Sustainable Consumer Behaviour
PublicationDate: 20260702
Contributors: Prasad, T. Deva; Raghava Reddy, B.;
DocTypes: Conference;
PubTypes:
CoverDate: 20260702
PeerReviewed: true
Source: 2026 18th International Conference on Electronics, Computers and Artificial
Intelligence (ECAI), Electronics, Computers and Artificial Intelligence (ECAI), 2026
18th International Conference on
IsiType: GEN
DOIDS: ;
ISBNS: 979-8-3315-5818-5; 979-8-3315-5817-8; 979-8-3315-5819-2;
ISSNS: 26880253; 23787147;
PublisherLocations: ;
RecordType: ARTICLES
BookEdition:
Publisher: IEEE
PageStart: 1
PageEnd: 10
PageCount: 10
Volume:
Issue:
Abstract: This study examines the combined impact of FinTech adoption (FA), green
finance (GF), and financial literacy (FL) on sustainable consumer behaviour (SCB)
in the Indian digital financial landscape. It further scrutinises the mediating role of
financial literacy in the transformation of the digital financial engagement and green
financial awareness into sustainability-oriented behavioural outcomes. A quantitative
cross-sectional design was adopted whose results were based on the survey data
collected from 430 active users of financial digital services in both urban and semiurban areas in India. Partial Least Squares Structural Equation Modelling (PLSSEM) was used through the software Smart PLS 4.0 to measure construct reliability,
convergent and discriminant validity, structural relationships and indirect mediation
relationships. The analysis supports strong psychometric properties on all constructs
and find that both FA and GF significantly improve on FL as well as on SCB. Green
finance has a large predictive relevance of FA, FL, and SCB. Financial literacy was
a powerful mediator in the relationships of the FA - SCB and the GF - SCB, which
evidenced meaningful indirect and sequential mediation effects. The structural
model has a high explanatory power the model explains 69.2% of the variance in
sustainable consumer behaviour (R 2 = 0.692)., thus shedding light on the important
role of literacy and awareness to promote sustainable financial behaviour. This
research adds an integrated model linking the financial technology utilization, green
financial orientation and financial capability towards sustainability driven consumer
behaviour which is an underexplored area in emerging economies. The findings
provide valuable information for immediate action, for policymakers, educators, and
FinTech providers looking to enhance sustainability outcomes using digital financial
ecosystems.
EBSCO Export
DOI: 10.1109/ECAI69016.2026.11613740
Language:
Subjects: Components, Circuits, Devices and Systems; Engineering Profession;
General Topics for Engineers; Power, Energy and Industry Applications; Robotics
and Control Systems; Consumer behavior; Finance; Fintech; Green (sustainability);
Modeling; Sustainable development; Printing; Banking; Decision making; Investment;
Fintech Adoption; Green finance; financial literacy and Sustainable Consumer
Behavior;
plink: https://research.ebsco.com/plink/7994ccb5-c564-3961-b50a-aea55d76f1bd
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