Artificial intelligence -driven financial technology for green finance and environmental sustainability

Artificial intelligence has emerged as a transformative force reshaping financial technologies, green finance, and sustainability-oriented financial systems. Extensive studies focus on artificial technology-driven financial innovation, yet it remains fragmented across technological, financial, environmental, and governance dimensions. This fragmentation limits the comprehensive understanding of how financial technology facilitates sustainable financial transformations and ecological sustainability. The objectives of this study were to analyze the emerging relationship between artificial intelligence, financial technology, green finance, and environment sustainability through a systematic review methodology and bibliometric and thematic analysis. The Scopus database was used as the primary source of data collection, and ۷۸ peer-reviewed studies published between ۲۰۱۶ and ۲۰۲۵ were systematically analyzed using bibliometric mapping and thematic content analysis. Visualization of similarities viewer software was utilized to identify publication trends, influential authors, institutional collaborations, thematic clusters, citation networks, and emerging research streams within artificial intelligence -driven sustainable finance literature. Post-۲۰۲۰ data shows a sharp increase in literature targeting sustainable finance and environmental, social, and governance-oriented investment. This scholarly momentum is heavily fueled by advancements in artificial intelligence-based risk assessment, climate financial analytics, and green digital transformation initiatives. The analysis further identified several dominant thematic areas, including artificial intelligence -enabled financial inclusion, green investment analytics, environmental, social, and governance -driven financial decision-making, ethical governance, algorithmic transparency, sustainable digital banking systems, and environmentally responsible financial innovation. The results indicated that artificial intelligence -driven financial technology has significant potential to support environmental sustainability through green investment optimization, climate-risk modelling, resource-efficiency enhancement, sustainable capital allocation, and financial technology sustainability-oriented financial innovation. Despite this momentum, several critical barriers remain: ethical governance deficits, data privacy concerns, a lack of algorithmic explainability, and regulatory fragmentation. Crucially, these issues are compounded by a lack of empirical evidence available from emerging and developing economies. This study contributes to the literature by providing an integrated sustainability-oriented framework linking artificial intelligence, financial technology, green finance, and environmental governance while identifying future research directions for sustainable digital finance ecosystems. Ultimately, this study serves as a strategic roadmap for aligning digital financial innovation with environmental sustainability goals and environmental, social, and governance-oriented development policies, offering valuable guidance for both market actors and policymakers.

کلیدواژه ها:

Artificial intelligence (AI) ، Financial Technology (Fintech) ، Green finance (GF) ، Environmental sustainability ، Sustainable finance ، Governance.