The Role of Artificial Intelligence in Sustainable Practices Within Fintech

The use of Artificial Intelligence (AI) in financial technology (Fintech) has fundamentally transformed the sector by improving efficiency, decreasing costs, and fostering sustainable financial practices. Its influence is extensive, affecting areas like as fraud detection, automated trading, customer service automation, personalized banking and financial planning, algorithmic trading and market analysis, as well as risk assessment and credit scoring. AI-driven solutions enhance sustainability in Fintech by concentrating on domains such as green finance, fraud detection, risk assessment, and ethical investment. Green Finance and ESG Investing, sustainable Lending and Banking. Artificial Intelligence in Green Data Centers: FinTech companies are employing AI to enhance energy efficiency in cloud computing and renewable energy, addressing carbon costs through effective algorithms. By balancing data privacy, this systematic review of existing literature underscores AI's contribution to optimizing resource utilization, minimizing carbon footprints, and promoting financial inclusion. This report addresses barriers such as algorithmic bias, data privacy issues, and legal obstacles that must be solved to guarantee the sustainable use of AI in Fintech. This conceptual research examines the significant potential of AI, advocating for a balanced approach that incorporates ethical AI frameworks, governmental monitoring, and stakeholder participation to ensure long-term sustainability.

Artificial Intelligence (AI), Financial Technology (Fintech), Sustainable Finance

1. Park, S., & Yoon, S. (2025). Cross-national findings of factors affecting the acceptance of AI-based sustainable fintech. Sustainability, 17(1), 49. [Google Scholar] [Crossref]

2. Isabelle, D. A., & Westerlund, M. (2022). A review and categorization of artificial intelligence-based opportunities in wildlife, ocean and land conservation. Sustainability, 2022, 14 (4): 1979. [Google Scholar] [Crossref]

3. Chaudhary, G. (2023). Environmental sustainability: Can artificial intelligence be an enabler for SDGs?. Nature Environment & Pollution Technology, 22(3). [Google Scholar] [Crossref]

4. Vinuesa, R., Azizpour, H., Leite, I. et al. The role of artificial intelligence in achieving the Sustainable Development Goals. Nat Commun 11, 233 (2020). https://doi.org/10.1038/s41467-019-14108-y [Google Scholar] [Crossref]

5. Toderas, M. (2025). Artificial Intelligence for Sustainability: A Systematic Review and Critical Analysis of AI Applications, Challenges, and Future Directions. Sustainability, 17(17), 8049.https://doi.org/10.3390/su17178049 [Google Scholar] [Crossref]

6. Oyewole, A. T., Adeoye, O. B., Addy, W. A., Okoye, C. C., Ofodile, O. C., & Ugochukwu, C. E. (2024). Promoting sustainability in finance with AI: A review of current practices and future potential. World Journal of Advanced Research and Reviews, 21(3), 590-607. [Google Scholar] [Crossref]

7. Fouzdar, A. S., Saxena, A., & Jha, S. K. (2025). Harnessing Artificial Intelligence for Sustainable Financial Planning. In Green Horizons: Role of AI in Sustainable Finance (pp. 271-286). Singapore: Springer Nature Singapore. [Google Scholar] [Crossref]

8. Priya, B. (2024). Artificial intelligence and fintech: Enhancing financial well-being through it mindfulness. [Google Scholar] [Crossref]

9. Vasile, V., & Manta, O. (2025). FinTech and AI as Opportunities for a Sustainable Economy. FinTech, 4(2), 10. [Google Scholar] [Crossref]

10. Baglari, Neeta, Tania Sur Roy, E. Joseph Rubert, and M. Priya. "SHODHCHOLISTAN: A MULTIDISCIPLINARY FRAMEWORK FOR SUSTAINABLE DEVELOPMENT MODELING." [Google Scholar] [Crossref]

11. Pattnaik, D., Ray, S., & Raman, R. (2024). Applications of artificial intelligence and machine learning in the financial services industry: A bibliometric review. Heliyon, 10(1). [Google Scholar] [Crossref]

12. Gajić, T., Vukolić, D., Bugarčić, J., Đoković, F., Spasojević, A., Knežević, S., ... & Dávid, L. D. (2024). The adoption of artificial intelligence in Serbian hospitality: A potential path to sustainable practice. Sustainability, 16(8), 3172. [Google Scholar] [Crossref]

13. Pasquino, M. (2025). Shaping retail investor sustainable choices: an exploration of drivers, barriers, and the influence of financial advisory dynamics through a multi-method approach. [Google Scholar] [Crossref]

• The Correlation of Marketing Strategies and Financial Performance of Motor Parts Businesses in the City of Mati
• The Role of Blockchain-Based Smart Contracts in Enhancing Financial Transparency and Efficiency in the Emerging Market
• Exploring Intention among Universiti Teknologi Mara Terengganu Community to Donate into Education Waqf Fund
• Utilizing AHP Method to Rank Preference of Waqf Fund Usage for UiTM Terengganu, Malaysia
• The Influence of Portfolio Diversification on Financial Performance: Evidence from Listed Banks on the Ghana Stock Exchange