ABSTRACT This paper investigates the impact of Fintech and green finance on enhancing sustainability performance through information technology governance. We collected questionnaires from 611 banking institutions in Nigeria, Ghana, and Cameroon from May to October 2024 and analyzed them with Partial Least Squares‐Structural Equation Modeling and PROCESS models. The empirical findings show that (1) both Fintech, green finance, and IT governance positively influence sustainability performance; (2) Fintech has a positive effect on green finance and (3) IT governance acts as a significant moderator between Fintech and sustainability performance. Moreover, we find similar results at the country level, with Nigeria showing a greater impact of Fintech on sustainable performance than Ghana and Cameroon, while Ghana presents a larger effect of green finance and IT governance on sustainable performance than Nigeria and Cameroon. The paper highlights the significance of integrating Fintech and green finance in banking institutions for sustainability and IT governance in emerging markets, offering valuable insights for policymakers and practitioners.
Bonsu et al. (2025) studied this question.