Environmental, Social and Governance Practices in the FinTech Era: Credit Markets and the Future of Lending (Routledge International Studies in Money and Banking)

In the Twin Transition era, digital technologies and Environmental, Social, and Governance (ESG) paradigms are changing the dynamics of the financial industry in terms of the operators involved and the service models addressed to customers. This book provides a comprehensive analysis of the interplay between advanced technologies, such as artificial intelligence, blockchain, and machine learning, and the rising importance of Environmental, Social, and Governance (ESG) factors in the financial sector.Thus, it investigates how these twin transitions - digitalization processes and ESG practices - affect credit allocation mechanisms, redefine the roles of traditional financial institutions and alternative finance platforms, and influence the transparency and efficiency of financial markets. The book adopts an interdisciplinary approach and employs a mixed-methods methodology, combining theoretical models, systematic literature reviews, and empirical analyses to explore jointly, the effect