Evidence suggests that FinTech presents a voluminous opportunity to increase financial transparency, customer friendliness, and cost-effectiveness; it enables businesses to operate more freely within the regulatory sandbox to develop new products (Boratyńska, 2019). Additionally, FinTech users can conduct commercial transactions at any time and location (Iman, 2018), enabling banks to become more innovative in providing services to clients and investors (Ashta & Herrmann, 2021;Iman, 2018). FinTech accelerates financial growth, diversity, social stability, credibility, and consequential sustainable development by creating the foundation for an innovative financial environment (Aracil et al., 2021). ...$BTC