Evaluating Digital Financial Inclusion's Role in Sustainable Development and Environmental Conservation

Анотація

Purpose: This study aims to investigate the interaction between digital technologies and green finance during financial market transformation. Design/Methodology/Approach: The methodological basis of the study is content analysis of scientific publications and a comparative analysis of the impact of digitalisation on the development of green investments. The dataset comprised 120 peer-reviewed articles and analytical reports indexed in Scopus, Web of Science, and ScienceDirect, covering the period 2018–2024. Analytical approaches to integrating digital solutions were examined. Findings: The results indicate a positive correlation between the level of digitalisation and the growth of green financing, pointing to the emergence of a new paradigm of financial management. The integration of digital solutions improves transparency and efficiency, though challenges remain, including cybersecurity risks, greenwashing, and regulatory uncertainty. Research Limitation: The research is conceptual and based on secondary data, which sets a direction for further empirical validation through quantitative and case-based approaches. Practical Implication: The findings offer recommendations for implementing digital and green innovations to create a sustainable financial system. Social Implication: By promoting sustainable investment practices, the integration of digital and green finance supports long-term environmental protection and social well-being. Originality/Value: The originality of this study lies in synthesising digital transformation tools with green finance instruments and framing them as an integrated analytical model for sustainable financial market transformation.

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