Sustainable Digital Banking: Exploring The Role of Fintech in Promoting Green Finance and Sustainable Development Goals

Financial technology (fintech) has transformed banking at a rapid speed to create new ways for sustainable finance and Sustainable Development Goals (SDGs) achievement. Through digital banking solutions enabled by artificial intelligence (AI), blockchain technology, big data analytics, and cybersecurity advances, the review investigates how fintech builds green finance models. Sustainable digital banking presents solutions for three major traditional banking issues: excessive carbon emissions, unsatisfactory environmental finance product options, and weak regulatory standards. The utilization of modern technical tools helps digital banking to provide financial services to all while building ESG-friendly investment services and launching environmentally conscious loan programs. The review demonstrates how fintech supports green financial products through digital payment systems, green investment platforms, and central bank digital currencies (CBDCs). Both review points out key barriers to sustainable digital banking implementation, which stem from regulatory, cybersecurity, and technological hurdles. The research analyzes modern developments in green finance through analysis of quantum computing integration as well as IoT implementations and smart city financial platforms. The paper uses existing research and industry practices as a basis to deliver an in-depth understanding of fintech banking innovations that build sustainable financial systems. The research findings provide important guidance to researchers, financial institutions, and policymakers who need to create strategies for improving sustainable digital banking adoption and regulation. The paper proposes policy improvements and determines future study paths to hasten the path toward sustainable and inclusive financial institutions.