This systematic review synthesizes 40 peer-reviewed studies to examine the role of inclusive finance and institutional governance in FinTech adoption in Pakistan's banking sector. While user-centric behavioural models are the dominant narrative in global discourse, this review highlights the underappreciated role of institutional trust, regulatory design, and structural inclusion in the scalability of FinTech ecosystems. The paper identifies four thematic clusters using PRISMA and TCCM frameworks, namely, user-level drivers, governance enablers, financial inclusion mechanisms, and integrated adoption frameworks. Findings suggest that inclusion should be reimagined not just as an objective but also as a prerequisite to digital finance, and quality of governance directly moderates trust and adoption behaviour. The study presents an original conceptual framework that links ecosystem-level conditions and adoption dynamics, highlighting the need for multi-level theoretical approaches that incorporate behavioural, institutional, and infrastructural dimensions. Implications are drawn for policymakers, FinTech innovators, and financial regulators who are looking for inclusive, trusted, and sustainable digital finance solutions in emerging markets.

Generative artificial intelligence (GenAI) has reshaped organizational work since the release of ChatGPT in late 2022, yet research on the cultural dimensions of its adoption remains fragmented. This study synthesizes the emerging field through a bibliometric review combining performance analysis, science mapping, and the Theory–Context–Characteristics–Methodology (TCCM) framework. A Scopus search executed on 5 May 2026 yielded 257 records, refined to 128 by automatic filters, and reduced to 69 articles after PRISMA 2020 screening. Analysis employed bibliometrix (R 4.3.0) and four VOSviewer 1.6.20 networks. The field exhibits an annual growth rate of 114.07%, with publications rising from one in 2022 to 36 in 2025 and 21 in early 2026 across 65 sources and 23 countries (China leads with 12 articles), anchored by Ng et al. (2025), Jo and Bang (2023), and Lee and Park (2024). The keyword map yields four thematic clusters; the co-citation map reveals three intellectual sub-structures (Technology Acceptance, Methodological and Applied GenAI, and GenAI in Management). Both layers converge on a technology-acceptance dominant, methodologically homogeneous, and culturally thin configuration: classical culture references (Schein, Cameron, and Quinn) and dedicated AI-ethics works do not reach the co-citation core. To redress this asymmetry, we propose an integrative framework: Leadership Vision → AI Literacy and Trust → Psychological Safety → Ethical Climate → GenAI Adoption Culture → Productivity, Innovation, and Well-being. The agenda outlines five priorities, including cross-cultural instruments, longitudinal multi-wave designs, and emerging-market studies foregrounding Indonesia and ASEAN.