{"title":"采用金融科技、绿色金融和竞争力对银行可持续绩效的影响：以数字化转型为调节因素","authors":"Imdadullah Hidayat-ur-Rehman, Md Nahin Hossain","doi":"10.1108/apjba-10-2023-0497","DOIUrl":null,"url":null,"abstract":"<h3>Purpose</h3>\n<p>The global emphasis on sustainability is driving organizations to embrace financial technology (Fintech) solutions as a means of enhancing their sustainable performance. This study seeks to unveil the intermediary role played by green finance and competitiveness, along with the moderating impact of digital transformation (DT), in the intricate relationship between Fintech adoption and sustainable performance.</p><!--/ Abstract__block -->\n<h3>Design/methodology/approach</h3>\n<p>Drawing on existing literature, we construct a comprehensive conceptual framework to thoroughly analyse these interconnected variables. To empirical validate of our model, a dual structural equation modelling–artificial neural network) SEM–ANN approach was employed, adding a robust layer of validation to our study’s proposed framework. A sample of 438 banking employees in Pakistan was collected using a simple random sampling technique, with 411 samples deemed suitable for subsequent analysis. Initially, data scrutiny and hypothesis testing were carried out using Smart-PLS 4.0 and SPSS-23. Subsequently, the ANN technique was utilized to assess the importance of exogenous factors in forecasting endogenous factors.</p><!--/ Abstract__block -->\n<h3>Findings</h3>\n<p>The findings from this research underscore the direct and significant influence of Fintech adoption and DT on the sustainable performance of banks. Notably, green finance and competitiveness emerge as pivotal mediators, bridging the gap between Fintech adoption and sustainable performance. 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引用次数: 0
摘要
目的 全球对可持续发展的重视正在推动企业将金融科技（Fintech）解决方案作为提高可持续发展绩效的一种手段。本研究旨在揭示绿色金融和竞争力所发挥的中介作用，以及数字化转型（DT）在金融科技应用与可持续绩效之间错综复杂的关系中的调节作用。为了对我们的模型进行实证验证，我们采用了结构方程建模-人工神经网络（SEM-ANN）的双重方法，为我们研究提出的框架增加了一层稳健的验证。我们采用简单随机抽样技术收集了 438 名巴基斯坦银行业员工的样本，其中 411 个样本被认为适合进行后续分析。最初，我们使用 Smart-PLS 4.0 和 SPSS-23 进行了数据审查和假设检验。随后，利用 ANN 技术评估了外生因素在预测内生因素中的重要性。研究结果本研究的结果强调了金融科技的采用和 DT 对银行可持续绩效的直接和显著影响。值得注意的是，绿色金融和竞争力成为关键的中介因素，弥补了金融科技应用与可持续绩效之间的差距。此外，DT 是一个关键的调节因子，影响着金融科技的采用与绿色金融和竞争力之间的关系。集成 ANN 方法增强了 SEM 分析，提供了更深刻的见解和对主题更全面的理解。认识到将金融科技应用、绿色金融和转型领导力结合起来的重要性，对于提升银行的可持续绩效至关重要。本研究得出的见解对决策者、从业人员和学者在竞争激烈的商业环境中提高银行的可持续绩效具有重要意义。
The impacts of Fintech adoption, green finance and competitiveness on banks’ sustainable performance: digital transformation as moderator
Purpose
The global emphasis on sustainability is driving organizations to embrace financial technology (Fintech) solutions as a means of enhancing their sustainable performance. This study seeks to unveil the intermediary role played by green finance and competitiveness, along with the moderating impact of digital transformation (DT), in the intricate relationship between Fintech adoption and sustainable performance.
Design/methodology/approach
Drawing on existing literature, we construct a comprehensive conceptual framework to thoroughly analyse these interconnected variables. To empirical validate of our model, a dual structural equation modelling–artificial neural network) SEM–ANN approach was employed, adding a robust layer of validation to our study’s proposed framework. A sample of 438 banking employees in Pakistan was collected using a simple random sampling technique, with 411 samples deemed suitable for subsequent analysis. Initially, data scrutiny and hypothesis testing were carried out using Smart-PLS 4.0 and SPSS-23. Subsequently, the ANN technique was utilized to assess the importance of exogenous factors in forecasting endogenous factors.
Findings
The findings from this research underscore the direct and significant influence of Fintech adoption and DT on the sustainable performance of banks. Notably, green finance and competitiveness emerge as pivotal mediators, bridging the gap between Fintech adoption and sustainable performance. Moreover, DT emerges as a critical moderator, shaping the relationships between Fintech adoption and both green finance and competitiveness. The integration of the ANN approach enhances the SEM analysis, providing deeper insights and a more comprehensive understanding of the subject matter.
Originality/value
This study contributes to the enhanced comprehension of Fintech, green finance, competitiveness, DT and the sustainable performance of banks. Recognizing the importance of amalgamating Fintech adoption, green finance and transformational leadership becomes essential for elevating the sustainable performance of banks. The insights garnered from this study hold valuable implications for policymakers, practitioners and scholars aiming to enhance the sustainable performance of banks within the competitive business landscape.
期刊介绍：
The Asia Pacific Journal of Business Administration (APJBA) publishes original research on: Business Strategy and Policy, Accounting and Board Governance, Marketing and People Management, and Operations and Supply Chain Management. The journal welcomes practical and skill-based submissions in these areas. There is particular interest in submissions regarding: Sustainable Business Practices, Quality Management Practices, Innovation and Creativity in Management, as well as Managing a Learning Organisation. The Asia Pacific region is full of collaborations between government, NGOs and private enterprise. Submissions are welcome which contribute to our understanding of partnerships and the cross-cultural issues. Research methods vary, and the journal is interested in the full diverse of qualitative (case and action research, etc) as well as quantitative survey studies and their recommendations. The APJBA seeks to become a forum for both established scholars and early career researchers in all aspects of management and business in the Asia-Pacific region. Emphasis is on rigour and relevance, on theory and practice, in a globalised scholarly environment.
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