Antecedents and Outcomes of Fintech Adoption Lead to Sustainable Performance: A Systematic Literature Review

Abstract

Purpose

The systematic literature review focuses on Fintech adoption and sustainable performance to address this theoretical research gap.

Methodology

The study adopts the TCCM research design to review Fintech adoption systematically. It identifies factors such as antecedents, mediators, moderators, and outcomes of Fintech adoption, with a particular focus on sustainability implications. The review covers 29 peer-reviewed articles published between 2019 and 2024, emphasizing social influence and performance expectancy as key themes in the selected literature.

Findings

The findings establish Fintech as an important driver of improvement in the sustainability performance of social, economic, and environmental metrics. The identified methodological trends reflect the ongoing dominance of the TAM and UTAUT frameworks. Fintech and sustainability are often perceived as technologically advanced, and the TAM is most commonly used because it is associated with technology acceptance. Despite that, the conceptual confusion between Fintech and Fintech adoption is addressed in this study.

Conclusion

However, the study identifies areas for future paradigms, including the moderating role, new theoretical perspectives, and directions for further research. In addition to this knowledge synthesis, the Fintech-based approaches reported in the present paper enhance the development of academic accounts and applications to achieve sustainability.