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Trust as Predictor and Mechanism in Green FinTech Adoption: A Systematic Review and Meta-Analysis
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DOI：10.3390/fintech5010022.png)
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Abstract
En 中文
Green FinTech involves facilitating sustainable payments, banking, and investment; nevertheless, it is subject to consumer trust and perceptions of 'green' value. The literature on this topic is fragmented, with information systems literature typically considering trust as a broad acceptance construct, while sustainable literature considers it as a risk of 'greenwashing' without integrating credibility into adoption models. This systematic review aggregates 15 empirical studies and addresses five research questions. RQ1 examines the theoretical models applied to examine trust in green/sustainable FinTech adoption. RQ2 examines the conceptualization and measurement of trust across different contexts, distinguishing institutional/provider trust, platform/tech trust, and sustainability claim credibility trust. RQ3 examines the function of trust within behavioral models (predictor, mediator, moderator). RQ4 examines methodological characteristics and quality indicators (research design, sampling frame, reliability, and bias). RQ5 examines the direct relationship between trust and adoption intention using meta-analysis. The systematic review follows a set of PRISMA guidelines, where we searched Scopus and Web of Science (2015-2026) and applied an RQ-based coding scheme to peer-reviewed articles. Measures of trust varied significantly (unidimensional, integrity-competence-benevolence, and technology-specific scales), limiting cross-study comparability. Using random effects, we found a significant positive relationship between trust and intention (pooled standardized direct path coefficient beta = 0.27, 95% CI [0.14, 0.41]) with considerable heterogeneity (I2 = 88%) and a wide prediction interval including near-zero effects. Literature essentially endorses trust as a significant yet context-dependent construct, emphasizing the necessity for measurement standardization, a more distinct differentiation between sustainability trust and general platform trust, regular reporting of reliability and bias assessments, and focused evaluations of boundary conditions (e.g., environmental skepticism, regulatory framework, and FinTech type).
Keywords:
green FinTech
sustainable finance
trust
adoption intention
technology acceptance
greenwashing risk
systematic review
meta-analysis
G20
G21
G28
O33
Q56
