{"id":"https://openalex.org/W4392058746","doi":"https://doi.org/10.3390/economies12030054","title":"Green Finance and Fintech Adoption Services among Croatian Online Users: How Digital Transformation and Digital Awareness Increase Banking Sustainability","display_name":"Green Finance and Fintech Adoption Services among Croatian Online Users: How Digital Transformation and Digital Awareness Increase Banking Sustainability","publication_year":2024,"publication_date":"2024-02-22","ids":{"openalex":"https://openalex.org/W4392058746","doi":"https://doi.org/10.3390/economies12030054"},"language":"en","primary_location":{"id":"doi:10.3390/economies12030054","doi":"https://doi.org/10.3390/economies12030054","is_oa":true,"landing_page_url":"https://doi.org/10.3390/economies12030054","pdf_url":"https://www.mdpi.com/2227-7099/12/3/54/pdf?version=1708611223","source":{"id":"https://openalex.org/S2737296559","display_name":"Economies","issn_l":"2227-7099","issn":["2227-7099"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","doaj","norway-1","poland-40","vabb-shw"],"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Economies","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://www.mdpi.com/2227-7099/12/3/54/pdf?version=1708611223","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5038000851","display_name":"Hrvoje Serdaru\u0161i\u0107","orcid":"https://orcid.org/0000-0003-4483-0375","observed_orcids":["https://orcid.org/0000-0003-4483-0375"]},"institutions":[{"id":"https://openalex.org/I51314090","display_name":"University of Osijek","ror":"https://ror.org/05sw4wc49","country_code":"HR","type":"education","lineage":["https://openalex.org/I51314090"]}],"countries":["HR"],"is_corresponding":false,"raw_author_name":"Hrvoje Serdaru\u0161i\u0107","raw_affiliation_strings":["Faculty of Economics in Osijek, Josip Juraj Strossmayer University of Osijek, 31000 Osijek, Croatia"],"raw_orcid":"https://orcid.org/0000-0003-4483-0375","affiliations":[{"raw_affiliation_string":"Faculty of Economics in Osijek, Josip Juraj Strossmayer University of Osijek, 31000 Osijek, Croatia","institution_ids":["https://openalex.org/I51314090"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5084241423","display_name":"Mladen Panci\u0107","orcid":"https://orcid.org/0000-0002-4090-7956","observed_orcids":["https://orcid.org/0000-0002-4090-7956"]},"institutions":[{"id":"https://openalex.org/I51314090","display_name":"University of Osijek","ror":"https://ror.org/05sw4wc49","country_code":"HR","type":"education","lineage":["https://openalex.org/I51314090"]}],"countries":["HR"],"is_corresponding":true,"raw_author_name":"Mladen Panci\u0107","raw_affiliation_strings":["Faculty of Economics in Osijek, Josip Juraj Strossmayer University of Osijek, 31000 Osijek, Croatia"],"raw_orcid":"https://orcid.org/0000-0002-4090-7956","affiliations":[{"raw_affiliation_string":"Faculty of Economics in Osijek, Josip Juraj Strossmayer University of Osijek, 31000 Osijek, Croatia","institution_ids":["https://openalex.org/I51314090"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5041796880","display_name":"\u017deljka Zavi\u0161i\u0107","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405258987","display_name":"EFFECTUS veleu\u010dili\u0161te","ror":"https://ror.org/01h4r5690","country_code":"HR","type":"education","lineage":["https://openalex.org/I4405258987"]}],"countries":["HR"],"is_corresponding":false,"raw_author_name":"\u017deljka Zavi\u0161i\u0107","raw_affiliation_strings":["Effectus University of Applied Sciences, 10000 Zagreb, Croatia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Effectus University of Applied Sciences, 10000 Zagreb, Croatia","institution_ids":["https://openalex.org/I4405258987"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5084241423"],"corresponding_institution_ids":["https://openalex.org/I51314090"],"apc_list":{"value":1800,"currency":"CHF","value_usd":2046},"apc_paid":{"value":1800,"currency":"CHF","value_usd":2046},"fwci":28.2063,"has_fulltext":true,"cited_by_count":43,"citation_normalized_percentile":{"value":0.99709584,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":100},"biblio":{"volume":"12","issue":"3","first_page":"54","last_page":"54"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.5464000105857849,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.5464000105857849,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.41019999980926514,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13146","display_name":"Sustainable Finance and Green Bonds","score":0.025599999353289604,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/green-finance","display_name":"green finance","score":1.0},{"id":"https://openalex.org/keywords/fintech-adoption","display_name":"fintech adoption","score":0.9020000100135803},{"id":"https://openalex.org/keywords/digital-awareness","display_name":"digital awareness","score":0.9319999814033508},{"id":"https://openalex.org/keywords/digital-transformation","display_name":"digital transformation","score":1.0},{"id":"https://openalex.org/keywords/sustainable-banking","display_name":"sustainable banking","score":0.9800000190734863},{"id":"https://openalex.org/keywords/digital-banking","display_name":"digital banking","score":0.7519999742507935},{"id":"https://openalex.org/keywords/croatian-banking-sector","display_name":"Croatian banking sector","score":0.8130000233650208}],"concepts":[{"id":"https://openalex.org/C126082660","wikidata":"https://www.wikidata.org/wiki/Q4252370","display_name":"Digital transformation","level":2,"score":0.8071351051330566},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6709277629852295},{"id":"https://openalex.org/C66204764","wikidata":"https://www.wikidata.org/wiki/Q219416","display_name":"Sustainability","level":2,"score":0.6371727585792542},{"id":"https://openalex.org/C83559648","wikidata":"https://www.wikidata.org/wiki/Q6654","display_name":"Croatian","level":2,"score":0.6261049509048462},{"id":"https://openalex.org/C204241405","wikidata":"https://www.wikidata.org/wiki/Q461499","display_name":"Transformation (genetics)","level":3,"score":0.5082656741142273},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.17167818546295166},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.09351533651351929},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0},{"id":"https://openalex.org/C104317684","wikidata":"https://www.wikidata.org/wiki/Q7187","display_name":"Gene","level":2,"score":0.0},{"id":"https://openalex.org/C185592680","wikidata":"https://www.wikidata.org/wiki/Q2329","display_name":"Chemistry","level":0,"score":0.0},{"id":"https://openalex.org/C55493867","wikidata":"https://www.wikidata.org/wiki/Q7094","display_name":"Biochemistry","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C18903297","wikidata":"https://www.wikidata.org/wiki/Q7150","display_name":"Ecology","level":1,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0}],"mesh":[],"locations_count":4,"locations":[{"id":"doi:10.3390/economies12030054","doi":"https://doi.org/10.3390/economies12030054","is_oa":true,"landing_page_url":"https://doi.org/10.3390/economies12030054","pdf_url":"https://www.mdpi.com/2227-7099/12/3/54/pdf?version=1708611223","source":{"id":"https://openalex.org/S2737296559","display_name":"Economies","issn_l":"2227-7099","issn":["2227-7099"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","doaj","norway-1","poland-40","vabb-shw"],"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Economies","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:gam:jecomi:v:12:y:2024:i:3:p:54-:d:1343956","doi":null,"is_oa":false,"landing_page_url":"https://www.mdpi.com/2227-7099/12/3/54/","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},{"id":"pmh:oai:doaj.org/article:41e6d401520e4be696db7f1e327f8d38","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/41e6d401520e4be696db7f1e327f8d38","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Economies, Vol 12, Iss 3, p 54 (2024)","raw_type":"article"},{"id":"pmh:oai:econstor.eu:10419/328980","doi":null,"is_oa":true,"landing_page_url":"https://hdl.handle.net/10419/328980","pdf_url":null,"source":{"id":"https://openalex.org/S4306401696","display_name":"Econstor (Econstor)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"doc-type:article"}],"best_oa_location":{"id":"doi:10.3390/economies12030054","doi":"https://doi.org/10.3390/economies12030054","is_oa":true,"landing_page_url":"https://doi.org/10.3390/economies12030054","pdf_url":"https://www.mdpi.com/2227-7099/12/3/54/pdf?version=1708611223","source":{"id":"https://openalex.org/S2737296559","display_name":"Economies","issn_l":"2227-7099","issn":["2227-7099"],"is_oa":true,"is_in_doaj":true,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","doaj","norway-1","poland-40","vabb-shw"],"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Economies","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Responsible consumption and production","score":0.7811999917030334,"id":"https://metadata.un.org/sdg/12"},{"display_name":"Industry, innovation and infrastructure","score":0.7207000255584717,"id":"https://metadata.un.org/sdg/9"},{"display_name":"Climate action","score":0.4399999976158142,"id":"https://metadata.un.org/sdg/13"}],"sustainable_development_goals_aurora":[{"display_name":"Industry, innovation and infrastructure","score":0.5199999809265137,"id":"https://metadata.un.org/sdg/9"}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4392058746.pdf","grobid_xml":"https://content.openalex.org/works/W4392058746.grobid-xml"},"referenced_works_count":51,"referenced_works":["https://openalex.org/W2053933360","https://openalex.org/W2196566774","https://openalex.org/W2588050207","https://openalex.org/W2616090073","https://openalex.org/W2762041969","https://openalex.org/W2770627055","https://openalex.org/W2783817214","https://openalex.org/W2784381435","https://openalex.org/W2787234532","https://openalex.org/W2792129018","https://openalex.org/W2792526148","https://openalex.org/W2894592380","https://openalex.org/W2895896496","https://openalex.org/W2961638513","https://openalex.org/W3042563389","https://openalex.org/W3046499475","https://openalex.org/W3107315840","https://openalex.org/W3122923895","https://openalex.org/W3133500315","https://openalex.org/W3139437030","https://openalex.org/W3153045673","https://openalex.org/W3173199522","https://openalex.org/W3181836791","https://openalex.org/W3187771925","https://openalex.org/W3192855505","https://openalex.org/W3195372492","https://openalex.org/W3210547955","https://openalex.org/W4200601124","https://openalex.org/W4280585067","https://openalex.org/W4281255946","https://openalex.org/W4283378156","https://openalex.org/W4285011430","https://openalex.org/W4287442991","https://openalex.org/W4289517353","https://openalex.org/W4294958996","https://openalex.org/W4298145896","https://openalex.org/W4308651101","https://openalex.org/W4309288168","https://openalex.org/W4312171786","https://openalex.org/W4313404137","https://openalex.org/W4322494417","https://openalex.org/W4322761820","https://openalex.org/W4377164198","https://openalex.org/W4385241353","https://openalex.org/W4385812645","https://openalex.org/W4386002457","https://openalex.org/W4386304569","https://openalex.org/W4387454397","https://openalex.org/W4387573291","https://openalex.org/W4389690685","https://openalex.org/W4400995529"],"related_works":["https://openalex.org/W7220773192","https://openalex.org/W7155055204","https://openalex.org/W6893495044","https://openalex.org/W7161262846","https://openalex.org/W4410029441","https://openalex.org/W4394819696","https://openalex.org/W4404143348","https://openalex.org/W7214181768","https://openalex.org/W4410939453","https://openalex.org/W7125390940"],"abstract_inverted_index":{"This":[0,128,155],"study":[1,55,129],"delves":[2],"into":[3,160],"the":[4,18,23,38,83,116,132,143,161,173,180,187],"dynamic":[5],"interplay":[6],"between":[7,149,163],"green":[8,41,100,150,183],"finance,":[9],"Fintech":[10,44,103,113,123,136,153,208,219],"adoption,":[11],"digital":[12,15,106,109,120,147,168,177,204],"awareness,":[13],"and":[14,30,46,67,86,105,141,152,167,179,213],"transformation":[16,121],"in":[17,72,186,197],"Croatian":[19],"banking":[20,28,47,139,169,188],"industry.":[21],"Amidst":[22],"emerging":[24],"trend":[25],"of":[26,40,62,69,99,119,135,146,182],"sustainable":[27,164],"practices":[29],"technological":[31],"advancements,":[32],"this":[33,54],"research":[34,52,156],"aims":[35],"to":[36],"examine":[37],"influence":[39,134],"finance":[42,101,151,165,184],"on":[43,102,122,138,203],"adoption":[45,104,124,137],"sustainability.":[48],"Employing":[49],"a":[50,59,96,200,217],"quantitative":[51],"design,":[53],"gathered":[56],"data":[57],"through":[58],"survey":[60],"questionnaire":[61],"304":[63],"participants,":[64],"comprising":[65],"customers":[66],"employees":[68],"various":[70],"banks":[71,196],"Croatia.":[73],"The":[74,93],"respondents\u2019":[75],"insights":[76,159],"were":[77],"analyzed":[78],"using":[79],"IBM":[80],"SPSS":[81],"for":[82,88,175,195,209,216],"demographic":[84],"analysis":[85],"SmartPLS":[87],"structural":[89],"equation":[90],"modeling":[91],"(SEM).":[92],"results":[94],"reveal":[95],"significant":[97,133],"impact":[98],"awareness.":[107],"Additionally,":[108],"awareness":[110,148,178,205],"significantly":[111],"influenced":[112],"adoption.":[114,154],"However,":[115],"direct":[117],"effect":[118],"was":[125],"not":[126],"significant.":[127],"also":[130],"confirmed":[131],"sustainability":[140],"identified":[142],"mediating":[144],"role":[145],"contributes":[157],"novel":[158],"relationship":[162],"initiatives":[166],"trends.":[170],"It":[171],"underscores":[172],"need":[174],"increased":[176],"integration":[181],"principles":[185],"sector.":[189],"These":[190],"findings":[191],"offer":[192],"practical":[193],"implications":[194],"Croatia,":[198],"suggesting":[199],"strategic":[201],"focus":[202],"programs,":[206],"leveraging":[207],"enhanced":[210],"customer":[211],"experience,":[212],"fostering":[214],"collaboration":[215],"conducive":[218],"environment.":[220]},"counts_by_year":[{"year":2026,"cited_by_count":14},{"year":2025,"cited_by_count":19},{"year":2024,"cited_by_count":9},{"year":2022,"cited_by_count":1}],"updated_date":"2026-10-16T09:59:22.235173","created_date":"2024-02-23T00:00:00"}