Abstract

Purpose: Despite growing research on green fintech and sustainable finance individually, no systematic theoretical framework explains how AI-driven green fintech solutions can be adopted in banking for sustainable investment purposes. This paper addresses this demonstrated gap by developing the first bibliometrically grounded, TOE-based conceptual framework for AI-driven green fintech adoption in banking. Design/Methodology/Approach: A two-phase approach is employed. First, a bibliometric analysis of 79 Scopus-indexed documents (2020–2026) using bibliometrix in R provides quantitative evidence of the research gap through keyword co-occurrence networks, thematic mapping, and trend topic analysis. Second, building on this evidence, a conceptual framework integrating the Technology–Organization–Environment (TOE) framework with three mediating constructs, technological readiness, sustainability culture, and regulatory support is developed and five theoretical propositions are derived. Findings: The bibliometric analysis reveals an annual growth rate of 78.4% in the field and confirms that the TOE framework has never occupied the motor themes quadrant of the green fintech literature. The proposed framework theorizes three mediated pathways through which technological, organizational, and environmental conditions translate into improved sustainable investment outcomes including enhanced ESG transparency, increased green investment allocation, and SDG alignment. Practical Implications: The framework provides bank executives with three actionable intervention points: technological infrastructure investment, sustainability culture embedding, and regulatory engagement and offers policymakers evidence-based guidance for designing supportive green fintech adoption frameworks. Originality/Value: This study presents a conceptual framework that is, to the authors’ knowledge, the first to combine TOE theory, AI-driven green fintech, a banking context, an explicit three-mediator architecture (technological readiness, sustainability culture, regulatory support), and sustainable investment outcomes as the dependent variable, grounded in reproducible bibliometric evidence. Existing studies address subsets of these dimensions; none integrates all six simultaneously.

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