FinTech and AI as Opportunities for a Sustainable Economy

The need for a sustainable economy has grown as technological advancements increasingly influence economic and social structures. This study investigates the role of FinTech and artificial intelligence (AI) in fostering sustainable development by facilitating green initiatives and promoting social responsibility. The research hypothesis posits that FinTech enables better access to financing for economic and social development projects, while AI enhances decision-making processes critical to the implementation of these initiatives. Through a qualitative approach, the study analyzes the interactions between FinTech, AI, and the Sustainable Development Goals (SDGs), exploring whether their relationship is bilateral or unidirectional. The findings suggest that both technologies play a significant role in supporting sustainability, with FinTech providing the necessary financial tools and AI optimizing decision-making. Furthermore, the study identifies barriers, such as regulatory challenges and technological gaps, that hinder the full integration of these technologies into sustainable development practices. It also highlights facilitators, such as policy support and technological innovation, that accelerate their adoption. The conclusions emphasize the transformative potential of FinTech and AI in achieving robust economic growth, reducing inequalities, and fostering a new cultural approach to resource management and societal responsibility.