information asymmetry, high transaction costs and lack of collateral. FinTech developments have made gathering and sharing … systematic literature review on FinTech and SME financing for the period 2008-2022. So far there are unstructured and separate … effectiveness of FinTech in meeting SMEs' financing needs. The bibliometric findings show that few studies on FinTech and SME …

, including traditional banking, micro-finance, fintech innovations, and government-backed credit schemes. Adopting a quantitative … approach, this study utilises structured surveys with women SME owners across multiple SSA countries. Supplementary secondary … collateral requirements, interest rates, financial literacy, and the regulatory environment. Findings reveal that high collateral …

; supply-side factors, demand-side factors, market opportunity, and collateral requirements have a positive effect on the firm …

Collateral is a significant challenge for small and medium enterprises (SMEs) in acquiring formal credit. Bank market … between bank market concentration and the collateral challenges faced by SMEs in accessing bank credit by employing a probit … risk-averse behavior, manifesting in an increased propensity to demand collateral for both SME and large enterprise loans …

The aim of this study was to ascertain what can be done by the informal finance sector to close the credit gap in order … as a last resort by SMEs that fail to access credit from the formal finance sector, owing to, among other issues …, information asymmetry, lack of collateral security and perceived high default rates. Further, low financial literacy and the …

employment and GDP. New financial technologies promise better bank operations, fewer costs, and enhanced credit supply to SMEs … programming, along with the adoption of mobile banking technologies, have had a substantial positive impact on bank credit …

This study delves into the impact of technological bank innovations on small and medium-sized enterprise (SME …) borrowing across the European Union. By analyzing a comprehensive dataset of 179,921 SME-bank lending relationships from 2009 to …-term credit growth than on their short-term growth, indicating the usefulness of these technologies in providing data that not …

of listed companies can significantly improve the financing capabilities of SMEs through credit enhancement effects and … supply chain finance. The credit enhancement effect of accounts receivable increases factoring and bill discounting for … upstream SMEs; however, the funds obtained are often absorbed by listed companies through trade credit. SMEs with stronger …

-2009 crisis on credit availability for small firms. The paper uses data from AccessBank Azerbaijan which was affected in its … shock, in contrast, reduces the approval likelihood for SME loans in particular, while agro and micro loans are considerably … less affected. Finally, bank relationships increase credit availability in good as well as in bad times. …

about borrowers, and so does the default risks. This model will allow banks to offer collateral-free lower-interest credit …A sustainable financing strategy for SMEs should aim to enhance a low-cost collateral-free supply of loans to SMEs with …