@article{godawska2026role,
  title = {The Role of Financial Institutions in Shaping Green Finance Decisions:  The Impact of Digital Tools and Pro-Environmental Communication},
  author = {Justyna GODAWSKA and Simeon KARAFOLAS},
  year = 2026,
  url = {https://ibimapublishing.com/p-articles/47ACC/2026/4718126/},
  journal = {Communications of International Proceedings},
  volume = 2026 (1),
  doi = doi.org/10.5171/2026.4718126,
  abstract = {The objective of this study is to analyze the impact of digital financial tools utilized by banks and fintech companies on consumers' inclination to make environmentally friendly financial decisions. A survey was conducted among 318 students from AGH University of Krakow in Poland (n=160) and University of Western Macedonia in Greece (n=158), using a 5-point Likert scale. Results indicate a cautious attitude toward eco-friendly initiatives. About 33% of respondents would likely consider eco-products promoted online, with Greek students showing significantly higher responsiveness than Polish students. Mobile apps providing eco-advisory tips received moderate openness (43% likely/very likely), again higher in the Greek sample. Daily banking suggestions for eco-friendly alternatives elicited slightly above-neutral engagement (about 45%), while perceptions of fintechs versus traditional banks remained neutral across countries. Around 48% of participants perceive digital tools as useful for supporting eco-conscious decisions. Correlation analyses reveal that greater environmental awareness is strongly associated with responsiveness to digital advisory, daily eco-suggestions, and eco-marketing, though it may also prompt a more critical view of fintech innovativeness in green finance. Overall, the findings highlight the potential of digital platforms to encourage eco-conscious financial behaviors, while suggesting that tailored strategies may be needed to enhance engagement across different contexts.},
  keywords = {digital finance, green finance, banking, financial decisions},
  note = Article ID: 4718126
}