India and Asia's fintech evolution demands responsible, ethical, and sustainable frameworks to balance growth with societal good. This institutional study from CEFI applies PLS-SEM to survey data from 520 Delhi NCR professionals, extending TAM with ethical/sustainable constructs: perceived ease of use (PEOU), usefulness (PU), trust (TR), risk (PR), social influence (SI), compatibility (COMP), ethical alignment (EA), and sustainability impact (SUST). Dominant paths include PU (β=0.41, p<0.001), TR (β=0.33, p<0.001), and EA (β=0.25, p<0.001), with R²=0.68 for behavioral intention (BI). TR moderates PR (β=-0.17, p<0.01), while EA amplifies PU in ethical contexts. Findings advocate ESG-integrated fintech for Asia's $1.5 trillion market, promoting inclusive, green innovation..
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