Click, Pay, Sustain

Digital payment systems have become central to contemporary financial infrastructures, yet their contribution to sustainability and ESG outcomes remains conceptually fragmented. This study develops an integrative framework explaining how FinTech innovations shape sustainability in digital payment ecosystems. Drawing on a structured thematic analysis of academic and policy literature, the paper proposes the FinTech Innovation–Performance–Analytics–ESG (FIPAE) Framework, which positions technological innovation as a driver mediated by organisational performance and analytical capacities. The framework clarifies pathways linking digital payment innovation to environmental responsibility, governance compliance, and social impact, offering a foundation for future empirical research and policy-oriented analysis.