SUSTAINABLE BANKING IN THE DIGITAL AGE: LEVERAGING FINTECH AND DIGITAL MARKETING FOR TRANSFORMATIVE GROWTH

Authors

DOI:

https://doi.org/10.59415/mjacs.322

Keywords:

FinTech, Sustainable Banking, Triple Bottom Line, Digital Marketing, Global Trade

Abstract

The digital transformation of banking is reshaping sustainability through the convergence of technological innovation and digital marketing alliance. This paper conceptualizes sustainable banking as an integration of economic viability, social responsibility, and environmental stewardship made attainable by technology and digital marketing. The objective is to analyze how these digital intervention and digital trade dimensions leverage sustainable banking outcomes. A blend of descriptive analysis, Factor Analysis and multiple regression were implemented for measuring the relationship between variables. primary data has been collected using questionnaire from 232 employees in Bengaluru's public, private, foreign, and cooperative banks. Findings demonstrate that both FinTech adoption and digital marketing effectiveness significantly boost sustainability outcomes of banks which results in transformative growth of the financial ecosystem.

Downloads

Download data is not yet available.

References

Abbasov, R. (2022). Artificial Intelligence in Banking: Advanced Risk Management Techniques and Practical Applications for Enhanced Financial Security and Operational Efficiency. Journal of Artificial Intelligence Research, 2(1), 82-130.

Ayodeji, D. C., Oyeyipo, I., Nwaozomudoh, M. O., Isibor, N. J., Obianuju, E. A., & Onwuzulike, C. .. (2024). Modeling the Future of Finance: Digital Transformation, Fintech Innovations, Market Adaptation, and Strategic Growth. . World Journal of Innovation & technology, 8(6).

Barroso, M., & Laborda, J. (2022). Digital transformation and the emergence of the Fintech sector: Systematic literature review. Digital Business, 2(2), 100028.

Bouteraa, M., Raja Hisham, R. R., & Zainol, Z. ( 2023). Challenges affecting bank consumers’ intention to adopt green banking technology in the UAE: A UTAUT-based mixed-methods approach. Journal of Islamic Marketing, 14(10), 2466-2501.

Cen, T., & He, R. (2018). Fintech, green finance and sustainable development. international conference on management, economics, education, arts and humanities (MEEAH 2018) (pp. 222-225). Atlantis Press. international conference on management, economics, education, arts and humanities (MEEAH 2018) (pp. 222-225). Atlantis Press.

Colombage, S., Nanayakkara, M., Barua, S., & Colombage, U. N. (2025). Leveraging Financial Technology and Innovation for Sustainability in the Post-Covid Era. In Financing of Sustainable Development Goals (SDGs) Challenges and Opportunities. (pp. 217-242).Cham: Springer Nature Switzerland.

Garg, M., & Kumar, P. (2024). Harnessing digital technologies for triple bottom line sustainability in the banking industry: a bibliometric review. . Futur Bus J 10, 62.

Hidayat ur Rehman, I., & Hossain, M. N. (2024). The impacts of Fintech adoption, green finance and competitiveness on banks’ sustainable performance: digital transformation as moderator. Asia-Pacific Journal of Business Administration.

Hussain, S., Rehman, S. U., Rehman, K. U., & Khasawneh, M. A. (2025). Digital transformation and green finance: the role of financial technology adoption in banking sustainability among Asian online users. . Journal of Islamic Marketing.

Indrianti, M. A., Nurdin, A., & Perdhana, M. S. (2025). Digital Trade Finance Transformation and Sustainable Marketing Strategies: A Literature Review. . Economic and Business Horizon, 4(2), 137-146.

Kristiana, I. (2024). Review of Improving Banking Operational Efficiency through AI and ML: Strategy, Implementation and Impact. Jurnal Komunikasi, Sains dan Teknologi, 3(1), 270-278.

Melati, Y. A. ( 2024). Fintech and financial performance in the banking industry: A literature review . ASIAN JOURNAL OF ECONOMICS, 3(1), 357-361.

Munira, M. S. (2025). Digital transformation in banking: A systematic review of trends, technologies, and challenges. . TECHNOLOGIES, AND CHALLENGES (January 27, 2025).

Murali, S., Srinivasan, K., & Bopaiah, V. (2025). Sustainable banking transformation: The Role of FinTech. In Sustainable Smart Technology Businesses in Global Economies . (pp. 23-35). Routledge.

Osman, M., & Elamin, I. (2023). Advancing ethical and sustainable economy: Islamic finance solutions for environmental, social, & economic challenges in the digital age. . International Journal, 10(5), 408-429.

Rahman, M. S., Moral, I. H., Kaium, M. A., Sarker, G. A., Zahan, I., Hossain, G. M., & Khan, M. A. (2024). FinTech in sustainable banking: An integrated systematic literature review and future research agenda with a TCCM framework. Green Finance, 6(1): 92-116.

Salampasis, D. (2025). Advances on Fintech-Based Lending Practices: Orchestrating the Dialogue on Transformative Innovation. In The Palgrave Handbook of Breakthrough Technologies in Contemporary Organisations . (pp. 415-429). Singapore: Springer Nature Singapore.

Sayari, S., Mgadmi, N., Dhaou, I. B., Almehdar, M., Chishty, S. K., & Rabeh, A. (2025). Advancing Sustainable Development Through Digital Transformation and Fintech Innovation. . Sustainability, 17(11), 4924.

Serdarušić, H., Pancić, M., & Zavišić, Ž. ( (2024). ). Green finance and Fintech adoption services among Croatian online users: how digital transformation and digital awareness increase banking sustainability. Economies, 12(3), 54.

Sharma, R., Vasishta, P., & Singla, A. (2025). Impact of green banking awareness on green FinTech adoption: a way towards profitable and sustainable practices. . Managerial Finance, 51(3), 377-394.

Silva, T. P., Leite, M., Guse, J. C., & Gollo, V. ( 2017). Financial and economic performance of major Brazilian credit cooperatives. Contaduría y administración, 62(SPE5), 1442-1459.

Starnawska, S. E. (2020). Sustainability in the banking industry through technological transformation. In The Palgrave Handbook of Corporate Sustainability in the Digital Era . (pp. 429-453). Cham: Springer International Publishing.

Yanti, M. I., Setyo, R., Indra, S., & sugiyono. ( 2025). STRATEGIC FACTORS OF BANK SUSTAINABILITY: INSIGHTS FOR DEVELOPING COUNTRIES. Journal of Central Banking Law and Institutions, 4(2), 325–358.

Yoganandham, G. ( 2024). Transformative impact: The role of modern and innovative banking technologies in driving global economic growth. . Tuijin Jishu/Journal of Propulsion Technology, 45(1),.

YOGANANDHAM, G. (n.d.). REVOLUTIONIZING BANKING WITH REFERENCE TO EMBRACING DIGITAL INNOVATION, ARTIFICIAL INTELLIGENCE, BLOCKCHAIN, AND SUSTAINABILITY-A COMPREHENSIVE THEORETICAL ASSESSMENT.

Zaid, M. A., Al-Mekhlafi, A. W., Al Koliby, I. S., Saoula, O., Saeed, H. A., & Mohammad, R. A. (2025). The future of green finance: How digital transformation and FinTech drive sustainability. Discover Sustainability, 6(1), 480.

Zaid, M. A., Khan, M. F., Al-Mekhlafi, S., A. W., Al Koliby, I. S., Saoula, O., . . . Mohammad, R. A. (2025). The future of green finance: How digital transformation and FinTech drive sustainability. . Discover Sustainability, 6(1), .

Downloads

Published

2026-06-10

How to Cite

SUSTAINABLE BANKING IN THE DIGITAL AGE: LEVERAGING FINTECH AND DIGITAL MARKETING FOR TRANSFORMATIVE GROWTH. (2026). MLAC Journal for Arts, Commerce and Sciences (m-JACS) ISSN: 2584-1920, 4(2), 1-`14. https://doi.org/10.59415/mjacs.322

Similar Articles

21-30 of 81

You may also start an advanced similarity search for this article.

Most read articles by the same author(s)