Abstract Based on Australian data from 2000 to 2022, this study examines how FinTech will influence the nation’s environmental future. The research shows that by directly intervening, FinTech-supported green finance is a chief driver of carbon reductions. This study contributes to existing literature by examine the role of Fintech and green finance in carbon neutrality targets of Australia. The complex web of interrelationships between technological and financial innovations is revealed as a factor that impacts the environment. When applied to Australia, which has its own FinTech industry and commitment to sustainable development, these results become even more eye-catching. This synergy takes global dimensions, with the research demonstrating a need to harmonize technological development and workable financial plans if environmental breakthroughs are to be made. However, the study points out to policymakers that they must foster a nurturing environment for digital financial innovations, develop stronger regulatory mechanisms, and encourage sustainable financial products. In terms of methodology, the research uses regression and mediation analysis to reach its conclusions. This research provides empirical evidence on the critical role of Fintech in advancing environmental sustainability in Australia, highlighting its direct and mediated effects on carbon emission reductions. By demonstrating the synergistic impact of technological and financial innovations, the study offers valuable insights for policymakers to foster a supportive ecosystem for sustainable digital finance.
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