Driving sustainable banking performance: the roles of digital transformation, FinTech adoption, and financial inclusion under regulatory environment moderation

Purpose With sustainability becoming a global priority, financial institutions increasingly use FinTech to support sustainable performance within evolving regulatory environments. This study investigates how digital innovation, specifically FinTech Adoption and financial inclusion, is associated with firms’ sustainable performance while examining the moderating role of the regulatory environment in shaping these relationships. It also offers insights into how regulatory frameworks can support the use of digital tools to promote a more sustainable financial future.