Intellectual Capital, FinTech Innovation, and Sustainable Performance: Moderating Role of Financial Literacy
- Title
- Intellectual Capital, FinTech Innovation, and Sustainable Performance: Moderating Role of Financial Literacy
- Creator
- Mir, Shakeeb Mohammad; Sheikh, Aarif Mohd
- Description
- In a fast-paced digital world of growing sustainability demands, organizations must utilize knowledge-based and financial resources in order to stay competitive and accountable. Even though there is increasing academic interest, the empirical evidence on how and when the major dimensions of intellectual capital (IC), human, structural, and relational capital, combine to contribute to sustainable performance (SP) remains fragmented and inconclusive. Given this, the present study empirically investigates the impact of IC, including human, structural, and relational capital, on SP. It also aims to examine the potential impact of FinTech innovation (FI) and financial literacy on IC and SP. Based on the Technology innovation theory and Resource based view, this study develops and empirically tests the proposed model that integrates intangible knowledge resources and technological capabilities to explain SP. Data were collected from 413 managers of the Indian banking industry. Structural equation modeling and Hayes Process were used to test the hypotheses. The findings exhibit that IChuman, structural, relational capital, and financial literacyplay a significant and positive role in FI and SP. The path analysis also confirmed a significant role of FI on IC and SP. This study suggests that managers and policymakers can improve the banking performance in an eco-friendly manner by actively resorting to investments in knowledge resources and digital transformation initiatives. Accordingly, the study model offers an integrative framework showing how financial institutions can ensure SP by converging IC, FI, and FL. 2026 ERP Environment and John Wiley & Sons Ltd.
- Source
- Sustainable Development;
- Date
- 01-01-2026
- Publisher
- John Wiley and Sons Ltd
- Subject
- financial literacy; FinTech innovation; intellectual capital; SEM; sustainable performance
- Coverage
- Mir S.M., School of Business and Management, Christ University, Bengaluru, India; Sheikh A.M., School of Business, Aditya University, Andhra Pradesh, Surampalem, India
- Rights
- Restricted Access; Hardcopy may be available in the library
- Relation
- ISSN: 9680802;
- Format
- online
- Language
- English
- Type
- Article
Collection
Citation
Mir, Shakeeb Mohammad; Sheikh, Aarif Mohd, “Intellectual Capital, FinTech Innovation, and Sustainable Performance: Moderating Role of Financial Literacy,” CHRIST (Deemed To Be University) Institutional Repository, accessed June 18, 2026, https://archives.christuniversity.in/items/show/21810.