Corporate sustainability performance (CSP) has recently garnered considerable traction worldwide. Adopting industry 4.0 technologies such as financial technology (Fintech) and leveraging critical organizational resources are of great importance to the sustainability and performance of firms. This study draws upon the ecological modernization theory (EMT) and resource-based view (RBV) to assess the effects of a firm's Fintech Adoption (FA) and Financial Literacy (FL) on different dimensions of its sustainability performance. We also examine the mediating role of Access to Finance (AF) in the associations among these understudied variables. Empirical data was collected from 262 firms in the Bangladeshi apparel industry, and the CB-SEM approach was employed to assess the proposed hypotheses. The findings revealed that FA and FL are significant drivers of firms' sustainability performance. Additionally, access to finance was found to have a robust mediating impact on both the fintech adoption-sustainability performance relationship and the financial literacy-sustainability performance relationship. Moreover, the findings indicated that access to finance positively spurs a firm's sustainability performance. These results are robust to several sensitivity checks. Our findings extend the EMT and RBV theories' scope by establishing FA, FL, and AF as valuable resources for firms to drive their sustainability performance. Given the dearth of primary-data-based research, our empirical study addresses the gaps in the fintech, FL, and sustainability literature and yields crucial implications for theory and practice. Our research provides managers of RMG enterprises and policymakers with a constructive model for implementing fintech and managers' FL to enhance firms' access to credit and sustainability performance.

企业可持续发展绩效 (CSP) 最近在全球范围内获得了相当大的关注。采用金融技术 (Fintech) 等工业 4.0 技术并利用关键的组织资源对企业的可持续性和绩效非常重要。本研究利用生态现代化理论 (EMT) 和基于资源的观点 (RBV) 来评估公司的金融科技采用 (FA) 和金融素养 (FL) 对其可持续发展绩效不同维度的影响。我们还研究了融资渠道 (AF) 在这些未充分研究的变量之间的关联中的中介作用。从孟加拉国服装行业的 262 家公司收集了实证数据，并采用 CB-SEM 方法评估提出的假设。调查结果表明，FA 和 FL 是公司可持续发展绩效的重要驱动因素。此外，发现融资渠道对金融科技采用-可持续性绩效关系和金融知识-可持续性绩效关系具有强大的中介影响。此外，调查结果表明，获得融资可积极刺激公司的可持续发展绩效。这些结果对一些敏感性检查是稳健的。我们的发现通过将 FA、FL 和 AF 确立为企业推动可持续发展绩效的宝贵资源，扩展了 EMT 和 RBV 理论的范围。鉴于缺乏基于原始数据的研究，我们的实证研究解决了金融科技、FL 和可持续性文献中的空白，并对理论和实践产生了重要影响。