Citation

Braik, Obada Abed Alnaser Abdallah (2026) Managerial perspectives on factors affecting green fintech adoption by Jordanian Banks: Mediating role of green innovation capabilities. PhD thesis, Multimedia University.

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Abstract

The growing importance of environmental sustainability and digital financial innovation has increased interest in Green FinTech adoption within the banking sector. However, limited empirical research has examined the factors associated with Green FinTech adoption in Jordanian banks, particularly from the perspective of managerial employees and the role of organizational innovation capabilities. To address this gap, this study aims to determine and evaluate the factors affecting Green FinTech adoption within the Jordanian banking sector. The Technology–Organization–Environment framework and Diffusion of Innovation theory were integrated to develop the theoretical framework of the study, while Green Innovation Capability was incorporated as a mediating factor to examine the indirect relationships between contextual factors and adoption. The study examines Green FinTech adoption as an organizational phenomenon from the perspective of managerial employees in Jordanian banks. Primary data were collected through an online questionnaire administered to managerial employees across 15 Jordanian banks, yielding 208 valid responses. The data were analyzed using the Statistical Package for the Social Sciences and partial least squares structural equation modelling through SmartPLS. The findings revealed that the factors associated with Green FinTech adoption do not operate through a single mechanism. Instead, four categories of relationships were identified. First, relative advantage, trialability, and complexity emerged as immediate adoption drivers or barriers, demonstrating significant direct relationships with Green FinTech adoption without significant mediation through Green Innovation Capability. Relative advantage demonstrated a positive relationship, while trialability and complexity demonstrated negative relationships. Importantly, the hypothesis proposing a positive relationship between trialability and Green FinTech adoption was not supported because the observed relationship was significantly negative. Second, top management support, organizational readiness, and competitor pressure emerged as capability-building drivers, demonstrating significant indirect relationships with Green FinTech adoption through Green Innovation Capability. Third, observability and government support functioned as dual drivers, demonstrating significant direct and indirect relationships with Green FinTech adoption through Green Innovation Capability. Fourth, compatibility and customer pressure were non-significant factors, as they demonstrated neither significant direct relationships with Green FinTech adoption nor significant indirect relationships through Green Innovation Capability. These findings contribute to the literature by extending the Technology– Organization–Environment framework to sustainable digital finance and demonstrating that Green FinTech adoption is associated with distinct direct and indirect pathways. The study further contributes by positioning Green Innovation Capability as a mediating organizational capability linking selected technological, organizational, and environmental factors with Green FinTech adoption. From a practical perspective, the findings provide insights for bank managers, policymakers, and regulators by highlighting the importance of making technological benefits more visible, addressing adoption barriers, strengthening institutional support, and developing green innovation capabilities to support Green FinTech adoption in Jordanian banks.

Item Type:	Thesis (PhD)
Additional Information:	Call No.: HG173 .B73 2026
Uncontrolled Keywords:	Fintech
Subjects:	H Social Sciences > HG Finance
Divisions:	Faculty of Business (FOB)
Depositing User:	Ms Nurul Iqtiani Ahmad
Date Deposited:	05 Nov 2026 13:56
Last Modified:	05 Nov 2026 13:56
URII:	http://shdl.mmu.edu.my/id/eprint/17076

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