Aktuálny vývoj v oblasti prieniku udržateľnosti a FinTechu
##semicolon##
https://doi.org/10.46282/afi.2026.1.03##semicolon##
zelený FinTech##common.commaListSeparator## udržateľné financovanie##common.commaListSeparator## blockchain##common.commaListSeparator## ESG regulácia##common.commaListSeparator## dekarbonizáciaAbstrakt
Príspevok skúma fenomén green FinTech z interdisciplinárneho hľadiska – z pohľadu finančného práva, regulácie a digitálnych technológií. Green FinTech, definovaný ako technologicky poháňaná inovácia vo finančných službách zvyšujúca transparentnosť a efektivitu udržateľného financovania, predstavuje strategický nástroj na smerovanie kapitálu do environmentálne zodpovedných projektov v kontexte globálnych klimatických výziev a Parízskej dohody. Autor analyzuje pojmové vymedzenie green FinTechu voči zelenej, udržateľnej a eco-inovácii, technologické jadro (blockchain, AI, big data), právno-regulačný rámec (EU Green Deal, SFDR, EU taxonómia, DSA) a kľúčové produkty (zelené úvery, ESG platformy, nástroje kompenzácie uhlíkovej stopy). Záverom autor zdôrazňuje potrebu kvalitnej regulácie vrátane sandboxov, dôveryhodných ESG metodík a vyváženia inovácií s ochranou spotrebiteľov, ako aj priestor pre empirický výskum dopadov green FinTechu v právnom priestore EÚ. Článok poskytuje podklady pre tvorbu efektívnej finančno-právnej politiky smerujúcej k dekarbonizácii a zelenej digitálnej ekonomike.
##submission.citations##
1. 2050 long-term strategy - Climate Action - European Commission. In: [cit. 13.04.2026]. Dostupné na internete: https://climate.ec.europa.eu/eu-action/climate-strategies-targets/2050-long-term-strategy_en
2. ADAMS, Richard et al. Sustainability-oriented Innovation: A Systematic Review. In: International Journal of Management Reviews [online]. 2016, roč. 18, č. 2, s. 180-205 [cit. 13.04.2026]. ISSN 14682370. DOI: 10.1111/IJMR.12068;PAGE:STRING:ARTICLE/CHAPTER
3. BROBY, Daniel, YANG, Zhenjia. What Is Green Fintech? In: Journal of Risk and Financial Management 2025, Vol. 18, Page 379 [online]. 2025, roč. 18, č. 7, s. 379 [cit. 02.01.2026]. ISSN 1911-8074. DOI: 10.3390/JRFM18070379
4. CISNEROS CHAVIRA, Pablo et al. Defining green innovation, its impact, and cycle – A literature analysis. In: Cleaner Engineering and Technology [online]. 2023, roč. 17, s. 100693 [cit. 02.01.2026]. ISSN 2666-7908. DOI: 10.1016/J.CLET.2023.100693
5. DONG, Xiaonan. The ESG-productivity paradox: how ESG performance expectation gaps impede total factor productivity. In: Journal of Business Research [online]. 2026, roč. 202 [cit. 02.01.2026]. ISSN 01482963. DOI: 10.1016/j.jbusres.2025.115775
6. EIADAT, Yousef et al. Green and competitive? An empirical test of the mediating role of environmental innovation strategy. In: Journal of World Business [online]. 2008, roč. 43, č. 2, s. 131-145 [cit. 13.04.2026]. ISSN 1090-9516. DOI: 10.1016/J.JWB.2007.11.012
7. ELHADY, Abdelghafar M., SHOHIEB, Samaa. AI-driven sustainable finance: computational tools, ESG metrics, and global implementation. In: Future Business Journal 2025 11:1 [online]. 2025, roč. 11, č. 1, s. 209- [cit. 13.04.2026]. ISSN 2314-7210. DOI: 10.1186/S43093-025-00610-X
8. EUR-Lex - 02021R2178-20260101 - EN - EUR-Lex. In: [cit. 15.04.2026]. Dostupné na internete: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A02021R2178-20260101
9. FEYEN, Erik et al. BIS Papers No 117 Fintech and the digital transformation of financial services: implications for market structure and public policy. In: [online]. 2021 [cit. 13.04.2026]. Dostupné na internete: www.worldbank.org
10. GLENK, Gunther, HOLLER, Philip, REICHELSTEIN, Stefan. Advances in power-to-gas technologies: cost and conversion efficiency. In: Energy and Environmental Science [online]. 2023, roč. 16, č. 12, s. 6058-6070 [cit. 13.04.2026]. ISSN 17545706. DOI: 10.1039/D3EE01208E
11. Green Fintech Classification | Green Finance Platform. In: [cit. 13.04.2026]. Dostupné na internete: https://www.greenfinanceplatform.org/research/green-fintech-classification
12. CHEN, Aizhen et al. FinTech adoption for ESG integration through robo advisors, personalization, and perceived trust. In: Scientific Reports [online]. 2025, roč. 15, č. 1 [cit. 02.01.2026]. ISSN 20452322. DOI: 10.1038/s41598-025-17046-6
13. CHIEN, Fengsheng, ZHANG, Yunqian, SADIQ, Muhammad. Fintech innovation in green finance: A disruptive force or a complementary tool? In: International Review of Economics and Finance [online]. 2025, roč. 104 [cit. 02.01.2026]. ISSN 10590560. DOI: 10.1016/j.iref.2025.104658
14. KAKAR, Shayan Khan et al. Exploring the impact of industrialization and electricity use on carbon emissions: The role of green FinTech in Asian countries using an asymmetric panel quantile ARDL approach. In: Journal of Environmental Management [online]. 2024, roč. 370, s. 122970 [cit. 15.04.2026]. ISSN 0301-4797. DOI: 10.1016/J.JENVMAN.2024.122970
15. KAZAK, Tchetin. European Green Deal. In: Yearbook of the Law Department [online]. 2020, roč. 9, č. 10, s. 304-315 [cit. 15.04.2026]. ISSN 2682-969X. DOI: 10.33919/YLDNBU.20.9.12
16. KOU, Gang, LU, Yang. FinTech: a literature review of emerging financial technologies and applications. In: Financial Innovation 2025 11:1 [online]. 2025, roč. 11, č. 1, s. 1- [cit. 13.04.2026]. ISSN 2199-4730. DOI: 10.1186/S40854-024-00668-6
17. LENSSEN, MOLLIE PAINTER, AILEEN IONESCU-SOMERS, Gilbert, SZEKELY, Francisco, STREBEL, Heidi. Incremental, radical and game-changing: strategic innovation for sustainability. In: Corporate Governance [online]. 2013, roč. 13, č. 5, s. 467-481 [cit. 13.04.2026]. ISSN 1472-0701. DOI: 10.1108/CG-06-2013-0084
18. LI, Xi et al. Harmonizing Fintech and Supply Chain Resilience: Unveiling the Role of Blockchain Integration, Incentives, and Resilience. In: IEEE Transactions on Engineering Management [online]. 2025, roč. 72, s. 2661-2672 [cit. 15.04.2026]. ISSN 15580040. DOI: 10.1109/TEM.2025.3578098
19. LYU, Yanwei, BAI, Yangyang, ZHANG, Jinning. Green finance policy and enterprise green development: Evidence from China. In: Corporate Social Responsibility and Environmental Management [online]. 2024, roč. 31, č. 1, s. 414-432 [cit. 15.04.2026]. ISSN 15353966. DOI: 10.1002/CSR.2577;PAGE:STRING:ARTICLE/CHAPTER
20. MATT SCOTT. Green fintech 2.0. In: [cit. 02.01.2026]. Dostupné na internete: https://www.cgfi.ac.uk/wp-content/uploads/2024/07/CGFI-Green-Fintech-2.0-report.pdf
21. MERLO, André L.C. et al. Blockchain for the carbon market: a literature review. In: Discover Environment 2025 3:1 [online]. 2025, roč. 3, č. 1, s. 68- [cit. 13.04.2026]. ISSN 2731-9431. DOI: 10.1007/S44274-025-00260-4
22. Nariadenie - 2020/852 - EN - EUR-Lex. In: [cit. 15.04.2026]. Dostupné na internete: https://eur-lex.europa.eu/legal-content/SK/TXT/?uri=CELEX%3A32020R0852
23. NARIADENIE EURÓPSKEHO PARLAMENTU A RADY (EÚ) 2019/2088 z 27. novembra 2019 o zverejňovaní informácií o udržateľnosti v sektore finančných služieb . In: [cit. 15.04.2026]. Dostupné na internete: https://eur-lex.europa.eu/legal-content/SK/TXT/PDF/?uri=CELEX:02019R2088-20240109
24. QIAO, Chengzhi, CAI, Wanhuan, CHEN, Shan. Green fintech contributes to environmental sustainability—based on empirical evidence from China. In: Humanities and Social Sciences Communications [online]. 2025, roč. 12, č. 1 [cit. 02.01.2026]. ISSN 26629992. DOI: 10.1057/s41599-025-06159-y
25. RENE KEMP, ANTHONY ARUNDEL. Measuring Eco-Innovation. In: [cit. 13.04.2026]. Dostupné na internete: https://www.researchgate.net/publication/254405708_Measuring_Eco-Innovation
26. RITCHIE, Hannah, ROSER, Max. CO₂ emissions. In: Our World in Data [online]. 2020, roč. 2, č. 2, s. 189-205 [cit. 13.04.2026]. ISSN 17583004. DOI: 10.4155/CMT.11.10
27. ROGERS, Everett M., SINGHAL, Arvind, QUINLAN, Margaret M. Diffusion of innovations. In: An Integrated Approach to Communication Theory and Research, Third Edition [online]. 2019, s. 415-433 [cit. 13.04.2026]. DOI: 10.4324/9780203710753-35
28. Sustainable Finance: Navigating the Emerging World of Green Fintech - Softjourn. In: [cit. 02.01.2026]. Dostupné na internete: https://softjourn.com/insights/green-fintech
29. The rise of green fintech: exploring a new trend - Florence School of Banking and Finance. In: [cit. 02.01.2026]. Dostupné na internete: https://fbf.eui.eu/the-rise-of-green-fintech-exploring-a-new-trend/
30. Trade and Environmental Sustainability Structured Discussions (TESSD). In: [cit. 15.04.2026]. Dostupné na internete: https://wtoplurilaterals.info/plural_initiative/trade-and-environmental-sustainability-structured-discussions-tessd/
31. TROTTA, Annarita et al. The “black box” of digital finance: An umbrella review of the challenges and drawbacks in advancing financial inclusion. In: Research in International Business and Finance [online]. 2026, roč. 81 [cit. 02.01.2026]. ISSN 02755319. DOI: 10.1016/j.ribaf.2025.103188
32. ULLAH, Qaisar et al. Revolutionizing European digital exports: The intersection of global supply chains, green FinTech, and sustainable infrastructure. In: Technology in Society [online]. 2026, roč. 85 [cit. 02.01.2026]. ISSN 0160791X. DOI: 10.1016/j.techsoc.2025.103209
33. UN Climate Change Conference Baku - November 2024 | UNFCCC. In: [cit. 13.04.2026]. Dostupné na internete: https://unfccc.int/cop29
34. WANG, Guosong, ZHANG, Huizhen. FinTech-Driven Corporate Sustainability: A Technology–Organization–Environment Framework Analysis. In: Sustainability 2025, Vol. 17, Page 8748 [online]. 2025, roč. 17, č. 19, s. 8748 [cit. 15.04.2026]. ISSN 2071-1050. DOI: 10.3390/SU17198748
35. WORLD TRADE ORGANIZATION. Trade and Environmental Sustainability Structured Discussions (TESSD): Work Plan – Update. Geneva: WTO, 2024. In: [cit. 15.04.2026]. Dostupné na internete: https://lyrical-cormorant.files.svdcdn.com/production/assets/images/Publications/TESS-Statement-at-TESSD-January-2024.pdf?dm=1707857725
36. YALCIN, Haydar et al. FinTech and the green transition: Exploring pathways to ignite innovation for carbon neutrality in global supply chains. In: Technology in Society [online]. 2026, roč. 84 [cit. 02.01.2026]. ISSN 0160791X. DOI: 10.1016/j.techsoc.2025.103094
37. YALCIN, Haydar, DAIM, Tugrul. Mining research and invention activity for innovation trends: case of blockchain technology. In: Scientometrics 2021 126:5 [online]. 2021, roč. 126, č. 5, s. 3775-3806 [cit. 15.04.2026]. ISSN 1588-2861. DOI: 10.1007/S11192-021-03876-4
38. YAYAVARAM, Sai, CHEN, Wei Ru. Changes in firm knowledge couplings and firm innovation performance: The moderating role of technological complexity. In: Strategic Management Journal [online]. 2015, roč. 36, č. 3, s. 377-396 [cit. 13.04.2026]. ISSN 1097-0266. DOI: 10.1002/SMJ.2218
39. ZAID, Mohammed Abdulrahman Kaid et al. The future of green finance: how digital transformation and FinTech drive sustainability. In: Discover Sustainability [online]. 2025, roč. 6, č. 1 [cit. 02.01.2026]. ISSN 26629984. DOI: 10.1007/s43621-025-01356-w
40. ZHAO, Weijie. China’s goal of achieving carbon neutrality before 2060: experts explain how. In: National Science Review [online]. 2022, roč. 9, č. 8, s. nwac115 [cit. 13.04.2026]. ISSN 2053714X. DOI: 10.1093/NSR/NWAC115
41. ZHUANG, Lei, WU, Chuang. The Impact of Green FinTech Promote Corporate Carbon Neutrality: Evidence from the Perspective of Financing Incentives and Scale Quality. In: Entropy [online]. 2025, roč. 28, č. 1, s. 6 [cit. 15.04.2026]. ISSN 10994300. DOI: 10.3390/E28010006
##submission.downloads##
Publikované
Číslo
Sekcia
##submission.license##
##submission.copyrightStatement##
##submission.license.cc.by-nc-nd4.footer##