Green Banking and Adaptation of Financial Technology (Fintech): Influence on Sustainable Performance of Banks with Community Behavior as a Moderating Variable

Abstract

This study aims to analyze the influence of Green Banking and Financial Technology Adoption on Bank Sustainability Performance, with Public Behavior as a moderating variable. Data were collected through questionnaires distributed to 120 respondents and analyzed using the Structural Equation Modeling Partial Least Squares (SEM-PLS) approach. The results show that Green Banking and Financial Technology Adoption positively and significantly affect Bank Sustainability Performance. Furthermore, Public Behavior significantly moderates the relationship between Green Banking and Bank Sustainability Performance. However, Public Behavior does not significantly moderate the relationship between Financial Technology Adoption and Bank Sustainability Performance. These findings indicate that active public participation is essential to support the success of environmentally based sustainability initiatives. At the same time, adopting financial technology must be accompanied by improved digital literacy to enhance banking sustainability effectively.