Work

Aligning Inclusive Finance with the European Union’s Digital–Green Twin Transition

Year: 2026

Type: article

Abstract: This study examines how inclusive finance organisations are adapting to the European Union (EU)’s digital–green twin transition and how regulatory design can reinforce this alignment. Drawing on qualitative insights from 26 institutions—including microfinance organisations, small and medium-sized enterprise finance providers and socially oriented fintechs—across the EU and neighbouring countries, the analysis identifies how digitalisation, financial inclusion and environmental sustainability are being integrated into organisational strategies. The findings show that hybrid models, built on partnerships between nationally rooted microfinance institutions and cross-border fintech platforms, enable scalable, high-tech, high-touch ecosystems that align closely with sustainability objectives. The study argues that a coordinated EU-wide regulatory sandbox would advance inclusive, green financial innovation and build resilience across the inclusive finance ecosystem.

Source: Journal of risk and financial management

DOI: 10.3390/jrfm19010071

Author: Massimo Preziuso

Institutions: ISM University of Management and Economics, Brunel University of London, University of Twente

Language: English

Topic: FinTech, Crowdfunding, Digital Finance

Subfield: Management Information Systems

Field: Business, Management and Accounting

Domain: Social Sciences

SDGs: Partnerships for the goals, Industry, innovation and infrastructure, Climate action, Decent work and economic growth

Open Access status: hybrid

Estimated APC paid: $1,689