Integrating FinTech into CSR Fund Management: Implications for Financial Inclusion in Conservation-Based Communities

Abstract

This study examines the integration of Financial Technology (FinTech) into Corporate Social Responsibility (CSR) fund management and its implications for financial inclusion in conservation-based communities. Using a qualitative case study approach, the research explores how digital financial tools, such as mobile banking, e-wallets, and online reporting systems, enhance transparency, accountability, and efficiency in the distribution and monitoring of CSR funds. Data were collected through semi-structured interviews, focus group discussions, field observations, and document analysis involving CSR managers, community leaders, FinTech facilitators, and local beneficiaries. The findings indicate that FinTech significantly improves financial governance by providing real-time transaction tracking, reducing administrative burdens, and building trust among community members. The adoption of digital financial services also expands financial inclusion, offering unbanked residents access to formal financial systems and empowering them to participate more actively in conservation initiatives. However, challenges such as limited digital literacy, technological readiness, cybersecurity concerns, and inconsistent internet connectivity continue to hinder optimal implementation. The study concludes that successful FinTech integration requires strong institutional collaboration, capacity building, and community-centered strategies to ensure sustainability and inclusiveness in conservation-based CSR programs.