Fintech, climate finance, and behavioral shifts: evidence from Bangladesh’s digital lending landscape

Abstract

This study explores the potential of mobile financial services, such as bKash and Nagad, to promote environmental sustainability in Bangladesh. It examines how eco-linked lending, sustainability awareness, and green incentives influence users' adoption of green financial practices. Based on survey data, international case studies, and behavioral theories, the findings show that younger users are more receptive to sustainability initiatives, while environmental benefits and green incentives significantly encourage sustainable financial behavior. The study concludes that integrating Environmental, Social, and Governance (ESG) principles into Bangladesh's digital financial ecosystem can strengthen climate resilience, financial inclusion, and sustainable green growth.