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Strategic Capabilities for Sustainability

An Integrated Model of Digital Inclusion and Sustainable Performance

Bibliographic Data

ID12305553
AuthorsYouli Xu (School of Public Affairs Zhejiang Shuren University Hangzhou People's Republic of China), Ahmad Faraz (0009-0000-3065-1726, Business School Hohai University Nanjing People's Republic of China, corresponding author), Muddassar Sarfraz (0000-0001-6165-732X, College of Business Ohio University Athens USA), Syed Hasan Arshad (0000-0001-5988-235X, Government of Pakistan), Shafaq Arshad (Agriculture Extension Department Government of Punjab Pakistan), Jianmin Sun (0000-0001-7696-3231, School of Management Nanjing University of Posts and Telecommunications Nanjing People's Republic of China), Ayesha Ahmad (0000-0003-0754-3772, Institute of Clinical Psychology University of Karachi Pakistan)
Year2025
Volume34
Issue1
Pages1112-1128
Publication date2025-10-11
Open AccessYes
TypeARTICLE
VenueSustainable Development (JOURNAL)
Journal identifiersISSN: 0968-0802 • E-ISSN: 1099-1719
PublisherWiley (PUBLISHER • GB)
DOI10.1002/sd.70306
OpenAlexW4415062668
LanguageEN
References cited86

The dissipating effects of climate change and the depletion of natural resources have suppressed the productivity of agricultural land in underdeveloped countries. These interconnected pressures have compelled a shift from conventional agrarian practices to more resilient and environmentally conscious systems. Pakistan's agriculture sector stands at a critical juncture, demanding transformational practices to ensure farm business profitability and environmental sustainability. Digital financial inclusion bridges the shortcomings of traditional farming and plays a significant role in stabilizing smart agriculture activities. This study investigates how digital financial inclusion (DFI) shapes sustainable agricultural outcomes through the mediating roles of climate‐smart agriculture (CSA) adoption and supply chain agility (SCA), with human capital (HC) acting as a moderator. Using cross‐sectional survey data collected from agricultural stakeholders in Pakistan, the analysis applies structural equation modeling (SEM‐PLS) to test the hypothesized relationships. The findings demonstrate that DFI significantly enhances CSA adoption and SCA, which in turn improve both profitability and environmental sustainability outcomes. Moreover, HC strengthens the effect of DFI on CSA adoption, highlighting its critical role in maximizing the benefits of digital finance in agriculture. These results contribute to the literature on agricultural transformation by integrating digital finance, human capital, and sustainability perspectives, offering valuable insights for policymakers and practitioners seeking to promote resilient and sustainable agricultural systems

Agrarian society · Agriculture · Financial inclusion · Inclusion (mineral · Productivity · Profitability index · Sustainability · Sustainable agriculture · Transformational leadership · Innovation and Knowledge Management · Innovation Diffusion and Forecasting · University-Industry-Government Innovation Models

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