The relati̇onshi̇p between fi̇ntech and sustai̇nableinvestment performance

This study aims to examine the impact of fintech applications on environmental sustainability in Turkey. With the widespread adoption of fintech technologies and the digitalization of financial services, a new paradigm has emerged in terms of both economic efficiency and environmental impact. In this context, the number of internet banking users is considered as the indicator of fintech usage, while CO₂ emissions represent the indicator of environmental sustainability. A simple linear regression analysis was conducted using quarterly data from the period 2016 to 2024. The findings of the research reveal a significant negative relationship between the increase in internet banking usage and the levels of carbon emissions. This result indicates that digital banking solutions not only enhance financial inclusion but also contribute to environmental sustainability by reducing the consumption of physical resources. Therefore, fintech applications are regarded as supportive tools for improving sustainable investment performance. The results suggest that for both policymakers and financial sector actors, the integration of digitalization into sustainable development goals should be prioritized. The findings highlight that strategies to be developed in the fintech domain in Turkey should not overlook the dimension of environmental sustainability.