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The Mediating Role of Fintech on ESG and Bank Performance

In: Fintech and Sustainability

Author

Listed:
  • Nur Badriyah Mokhtar

    (University of Salford)

  • Ashraful Alam

    (BPP University)

Abstract

Despite the heated debate on banking transformation, there is little research on the performance of commercial banks and how they have been affected by fintech and environmental, social, and governance (ESG) goals. There have been several recent studies on the role of ESG in finance, but only a few studies explore the role of fintech either directly or indirectly. To address this gap, this study uses PLS-SEM, quantitative research, and a novel framework for describing the mediating role of fintech on ESG and bank performance in European Union (EU) commercial banks. Based on our research, we find that ESG has a positive impact on bank performance. More importantly, we find that fintech has a mediating effect on ESG and bank performance. Our study suggests that banks that are more engaged in fintech perform better with respect to environmental, social, and governance goals, which, in turn, leads to improved performance. Our findings provide information that will be of interest to financial decision-makers and regulatory authorities in elucidating the impact of fintech and ESG on commercial banking.

Suggested Citation

  • Nur Badriyah Mokhtar & Ashraful Alam, 2023. "The Mediating Role of Fintech on ESG and Bank Performance," Springer Books, in: Thomas Walker & Harry J. Turtle & Maher Kooli & Elaheh Nikbakht (ed.), Fintech and Sustainability, chapter 0, pages 191-218, Springer.
    • Handle: RePEc:spr:sprchp:978-3-031-40647-8_10
    DOI: 10.1007/978-3-031-40647-8_10
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