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SciNotesIBISciNotesIBIУченые записки Международного банковского институтаProceedings of the International Banking InstituteProceedings of the International Banking InstituteУченые записки Международного банковского институтаМеждународный банковский институтRUhttps://www.ibispb.ru/2413-3345293LBTTLUСтатьиВОЗДЕЙСТВИЕ ЦИФРАЦИИ И ФИНТЕХА НА ЗЕЛЕНЫЕФИНАНСЫ И УСТОЙЧИВОЕ РАЗВИТИЕ: ПОДХОДЫ ККОНЦЕПТУАЛИЗАЦИИTHE IMPACT OF DIGITALIZATION AND FINTECH ONGREEN FINANCE AND SUSTAINABLE DEVELOPMENT:APPROACHES TO CONCEPTUALIZATIONКЛЮЧНИКОВ И.К.KLIOUTCHNIKOVIgor K.

Autonomous non-profit organization of higher education «International Banking Institute
named after Anatoly Sobchak», St. Petersburg, Russia

191023, Saint-Petersburg, Nevsky pr., 60

Doctor of Economic Sciences, Professor

Автономная некоммерческая организация высшего образования «Международный
банковский институт имени Анатолия Собчака»

191023, Россия, Санкт-Петербург, наб. канала Грибоедова, д.
30-32, лит. А

д.э.н., профессор

МОЛЧАНОВА О.А.MOLCHANOVAOlga A.

St. Petersburg State University of Economics

191023, Russia, St. Petersburg, nab. Griboyedov Canal, 30-32, letter A

Doctor of Economic Sciences, Professor

Санкт-Петербургский̆ государственный̆ экономический̆ университет

191023 Россия, Санкт-Петербург, наб. канала Грибоедова, д. 30-32, лит. А.

 д.э.н., профессор

КЛЮЧНИКОВ О.И.KLIUCHNIKOVOleg I.

Department of Banking Business and Innovative Financial Technologies, Autonomous nonprofit
organization of higher education «International Banking Institute named after Anatoly
Sobchak», St. Petersburg, Russia

191023, Saint-Petersburg, Nevsky pr., 60

Кафедра банковского бизнеса и инновационных финансовых технологий, Автономная
некоммерческая организация высшего образования «Международный банковский институт
имени Анатолия Собчака»

191023, Невский пр., 60, Санкт-Петербург,
Россия.

к.э.н

Автономная некоммерческая организация высшего образования «Международный банковский институт имени Анатолия Собчака».2024300920243 (49)793112Received: 1042026Copyright (c) 2024 Scientific Notes of the International Banking Institute2024Scientific Notes of the International Banking Institute<a rel="license" href="https://creativecommons.org/licenses/by-nc/4.0/"><img alt="Лицензия Creative Commons" src="//i.creativecommons.org/l/by-nc/4.0/88x31.png" /></a><p>Это произведение доступно по <a rel="license" href="https://creativecommons.org/licenses/by-nc/4.0/">лицензии Creative Commons «Attribution-NonCommercial» («Атрибуция — Некоммерческое использование») 4.0 Всемирная</a>.</p>

Цель исследования. Поиск направлений воздействия цифрации и финтеха на зеленыефинансы и определение посреднической роли цифровых зеленых финансов в созданииусловий для устойчивого развития.Методология исследования. Опираясь на существующую литературу,разрабатывается концептуальная основа для анализа взаимосвязанных переменных,связанных с цифрацией, финтехом через зеленое финансирование устойчивого развития.Использование общенаучных методов сравнительного анализа и обобщения позволилоуточнить место и роль цифрации и финтеха в трансформации финансиализации в зеленомнаправлении.Результаты исследования. Раскрыто прямое влияние внедрения цифровыхтехнологий и финтеха на трансформацию финансов. В ходе исследования цифрового переходафинансовой монополизации хозяйства и общества определяется роль новых технологий.Демонстрируется посредническая миссия зеленых финансов в преодолении разрыва междуфинансово-технологическими новациями и устойчивым развитием.Выводы. Определена роль цифровых финансовых технологий в развитии зеленыхфинансов и финансовой устойчивости.94Оригинальность. Исследование способствует более четкому пониманию ролицифрации, финтеха и зеленых финансов в повышении конкурентоспособности и устойчивостиразвития. Идеи, полученные в результате этого исследования, могут служить дляполитического обоснования цифрации финансов и зеленого финансового перехода, а такжеспособствовать повышению эффективности зеленых инвестиционных решений.

The purpose of the study. The search for ways to influence digitalization and fintech on greenfinance and the definition of the intermediary role of digital green finance in creating conditions forsustainable development.Research methodology. Based on the existing literature, a conceptual framework is beingdeveloped for the analysis of interrelated variables related to digitalization, fintech through greenfinancing of sustainable development. The use of general scientific methods of comparative analysisand generalization made it possible to clarify the place and role of digitalization and fintech in thetransformation of financialization in the green direction.The results of the study. The direct impact of the introduction of digital technologies andfintech on the transformation of finance is revealed. In the course of the study of the digital transitionof financial monopolization of the economy and society, the role of new technologies is determined.95The mediation mission of green finance in bridging the gap between financial and technologicalinnovations and sustainable development is demonstrated.Conclusions. The role of digital financial technologies in the development of green financeand financial sustainability is defined.Originality. The research contributes to a clearer understanding of the role of digitalization,fintech and green finance in improving competitiveness and sustainability of development. The ideasobtained from this research can serve as a political justification for the digitalization of finance andthe green financial transition, as well as contribute to improving the effectiveness of green investmentdecisions.

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