This study explores the relationship between fintech adoption and environmental, social, and governance (ESG) performance in Saudi Arabian banks, emphasizing the moderating roles of board independence (IND) and sustainability committees (SUS_C). As the banking sector faces increasing pressure to integrate sustainability into core operations, the adoption of fintech presents new opportunities for enhancing ESG outcomes. This study is novel not just of examining the unexplored moderating effect of IND and SUS_C but also adds to the frontier of knowledge by combining the compositive effect of IND X SUS_C on fintech towards ESG performance. Utilizing a panel dataset from 2015 to 2024, the findings reveal that fintech positively impacts overall ESG performance, particularly in the social and governance dimensions. The study further demonstrates that IND and SUS_C significantly enhance the positive effects of fintech on ESG performance. Interestingly, the effect of FinTech has become significant with environmental performance which was not in the baseline model. Similarly, the combined effect of governance variables has more influenced ESG performance. This highlights the importance of interactive governance structures in maximizing sustainability outcomes. This research contributes to fintech and ESG literature by providing empirical evidence from an emerging market context and offering practical insights for regulators and bank managers navigating digital transformation and sustainability challenges.