FinTech Implementation for Business Resilience under Climate Adaptation and Mitigation

Abstract

The article investigates the strategic role of FinTech solutions in strengthening business resilience for climate adaptation and mitigation challenges. Based on the analysis of the Green Climate Fund projects, the authors arranged a special database on 57 climate finance projects aimed at enhancing business capacities based on digitalization. The machine learning LDA method was applied to identify key types of FinTech interventions, encompassing areas such as mobile payments, digital lending, tokenization of climate assets, and decentralized innovative finance. Statistical analysis enabled the characterization of relationships between project financing and emission reduction volumes depending on project type, public-private financing sources, regional specificities and technological applications. It systematized the main trends of FinTech integration into climate projects and developed a typology of digital instruments supporting business resilience. As a result, the LDA model provided a conceptual framework for understanding the strategic role of FinTech in enabling businesses to adapt to, mitigate, and thrive amid climate change. Analytical generalizations enabled the delineation of strategic directions for future FinTech development to further strengthen the financial and adaptive capacities of businesses within the context of climate transformation.