A Socio-Technical Framework for Sustainable Finance: Integrating Mechanical Reliability with Digital Governance

Abstract: This paper proposes a novel "Socio-Technical" framework for sustainable finance by bridging the gap between Mechanical Engineering principles and real-time financial services data. Drawing on the author’s background in B.Tech Mechanical Engineering and professional experience in SAP Warehouse Management (WM) and financial portfolio recovery, the research explores how "Financial Entropy" can be mitigated through proactive digital governance. The author argues that financial systems should be managed with the same precision as automated warehouses. By utilizing the "scan-in/scan-out" logic of SAP systems and monitoring "transactional vibrations" in consumer debt portfolios, financial institutions can identify risk up to 90 days earlier than traditional models. The paper introduces the concept of "Financial Stress Relief," comparing automated churn offers in the telecommunications/finance sector to mechanical pressure relief valves. This research provides a roadmap for building a "Factor of Safety" into global supply chains, ensuring that the transition to a sustainable economy is resilient, transparent, and proactive.