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Financing SDGs Through Responsible FinTech

Minhat, Marizah
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Dzolkarnaini, Nazam
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Publication Date
2025-02-01
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Keywords
FinTech, SDGs, Sustainability, Development Goals, United Nations
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(c) 2025 Palgrave Macmillan. Full-text reproduced in accordance with the publisher's self-archiving policy.
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Management and Law Publications
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Abstract
The traditionally regulated financial industry has been disrupted by the innovative and liberalised use of financial technology (FinTech) in the cyberspace. While innovations can foster economic development, we argue in this chapter that a liberalised use of FinTech without responsible management is akin to a double-edged sword that can both rescue and destroy humanity. Although FinTech can be used as a saviour of financial inclusion, it can also reduce security to vulnerability in the cyberspace. This chapter highlights the implications and unintended consequences of FinTech activities on human security by reflecting on real-life examples and findings of related studies in this field. Considering the concerns outlined here and elsewhere regarding the downside risks of FinTech, ‘Responsible FinTech’ agenda is formally introduced in this chapter to inspire a critical discourse for the public interest. This chapter navigates the definition and scope of the agenda from an ethical and interdisciplinary perspective to offer a balanced approach in shaping a FinTech space. It concludes that the use of FinTech must be responsibly managed and governed to help human race towards achieving the United Nations’ Sustainable Development Goals (SDGs).
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https://bradscholars.brad.ac.uk/handle/10454/20873
Version
Published version
Citation
Minhat M and Dzolkarnaini N (2025) Financing SDGs Through Responsible FinTech. In: Arora R and Sarker T (Eds) Financing of sustainable development goals (SDGs): challenges and opportunities. Cham, Switzerland : Palgrave Macmillan. pp 243-259
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https://doi.org/10.1007/978-3-031-80478-6_11
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Book chapter
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