Abstract:
Green fintech is emerging as a transformative force in promoting sustainable agriculture and inclusive growth in India. By integrating financial technology with
environmentally sustainable practices, green fintech solutions offer innovative ways
to enhance financial inclusion, optimize resource utilization, and mitigate the adverse
environmental impacts of agriculture. This article explores the role of green fintech
in advancing sustainable farming practices through digital payment systems,
blockchain-based supply chains, AI-driven climate risk assessment, and green credit
financing. The study highlights how green fintech enables small and marginal farmers
to access financial services, such as microloans, crop insurance, and digital subsidies,
fostering economic resilience. Furthermore, fintech-driven solutions promote
precision farming, reducing carbon footprints and ensuring optimal resource
efficiency. By leveraging digital financial services, farmers can adopt climate-smart
techniques, access global markets, and contribute to India's broader sustainability
goals. Despite its potential, challenges such as digital literacy, inadequate
infrastructure, and regulatory constraints hinder the widespread adoption of green
fintech in Indian agriculture. Addressing these barriers through policy interventions,
public-private partnerships, and farmer-centric digital initiatives can enhance the
impact of green fintech. This article provides strategic insights into how green fintech
can drive sustainable agriculture while ensuring inclusive economic growth in India.
