Green Fintech: The Role of Technology in Sustainable Finance — A Study on Awareness, Perception and Adoption in India

The rapid evolution of financial technology (Fintech) combined with the growing importance of sustainability has led to the emergence of Green Fintech as a transformative force in the financial sector. Green Fintech refers to the use of digital financial technologies to support environmentally sustainable investments and financial practices. This study aims to examine the level of awareness, perception, and adoption of Green Fintech among individuals in India. The research is based on primary data collected from 118 respondents using a structured questionnaire. A descriptive research design has been adopted, along with basic statistical tools such as percentage analysis and hypothesis testing to interpret the data. The findings of the study indicate that while a significant proportion of respondents are aware of Green Fintech concepts, the depth of understanding remains limited. However, the perception towards Green Fintech is largely positive, with respondents recognizing its potential benefits for sustainability and financial efficiency. Despite this, the adoption rate remains moderate, indicating a gap between awareness and actual usage. Factors such as trust, ease of use, and perceived usefulness were found to significantly influence adoption decisions. The study concludes that Green Fintech has strong growth potential in India, but its expansion depends on increasing awareness, strengthening user trust, and improving accessibility.