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- MakaleAçık Erişim2026Toward Sustainable Financial Behavior: The Role of Financial Socialization and FinTech in Enhancing Green Financial Literacy
Soydaş, Şafak Sönmez; Özbek, Adem; Çam, Alper Veli; Radulescu, Magdalena; Alofaysan, Hind
This study examines how financial literacy and financial socialization influence green financial literacy through the mediating role of FinTech usage within a sustainability-oriented framework. Green financial literacy is treated as a proxy for sustainable financial behavior rather than a direct behavioral measure. Based on financial socialization theory, the study proposes an integrated model linking individual competencies, social learning processes, and digital financial technologies. Data were collected from 539 individuals using a structured questionnaire and analyzed with structural equation modeling (SEM) employing a robust weighted least squares estimator. The findings show that financial literacy (β = 0.76, p < 0.001) and financial socialization (β = 0.23, p < 0.001) significantly increase FinTech usage. While financial literacy does not directly affect green financial literacy (β = −0.13, p > 0.05), FinTech usage has a strong positive impact (β = 0.88, p < 0.001), indicating a full mediation effect. Bootstrapping results further confirm the robustness of the mediation effects. Financial socialization also has a direct positive effect (β = 0.20, p < 0.01). The results suggest that financial knowledge alone is insufficient to support sustainability-oriented financial awareness unless it is supported by digital financial technologies. The study highlights the key role of FinTech in facilitating the integration of financial knowledge and social learning into sustainability-oriented financial awareness and decision-making and offers practical implications for promoting sustainable finance.
- MakaleAçık Erişim2026The effect of behavioral factors related to cashlessness on the perception of green finance
Özbek, Adem; Çam, Alper Veli; Soydaş, Şafak Sönmez; Barut, Abdulkadir; Sharabati, Abdel-Aziz Ahmad
This study aims to examine the effects of behavioral factors shaping cashless payment behaviors in Turkey on green finance perception. The study focuses on subconscious factors such as functional benefit, economic benefit, psychological benefit, attitude toward technology, and perceived behavioral control. Data were collected from 520 participants aged 18 and older via an online survey and analyzed using Structural Equation Modeling (SEM). The findings reveal that functional benefit, perceived behavioral control, and attitudes toward technology significantly and positively influence perceptions of green finance, while economic and psychological benefits do not have a significant effect on behavioral control. The results reveal that behavioral factors such as ease of use and attitudes toward technology play a more significant role in individuals’ adoption of cashless payment systems than rational economic gain expectations. The study contributes to the literature by showing that cashless payment behaviors contribute to the development of sustainable finance and environmental awareness. It also provides practical recommendations for policymakers and financial institutions on improving digital payment infrastructure and user experience to promote green finance.