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This research investigates how financial technology impacts financial inclusion and the growth of small and medium enterprises in Nigeria.

June 11, 2026Open Access

EFFECT OF FINANCIAL TECHNOLOGY (FINTECH) ON FINANCIAL INCLUSION AND SMEs GROWTH IN NIGERIA

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This research investigates how financial technology impacts financial inclusion and the growth of small and medium enterprises in Nigeria.
Survey research design with primary data collected from 250 SME operators in Ibadan, Oyo State.
Structured questionnaires administered to gather data on mobile banking, digital payment systems, and FinTech accessibility.
Data analyzed using multiple regression analysis through SPSS.
Mobile banking significantly improved SMEs growth with a coefficient value of 0.614 (p<0.05).
Digital payment systems positively influenced financial inclusion with a coefficient value of 0.572 (p<0.05).
FinTech accessibility significantly enhanced business performance with a coefficient value of 0.488 (p<0.05).

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Randomized trial examines financial technology's impact on SME growth in Nigeria, highlighting its significance for financial inclusion.

Balogun Oladosu Jimoh (2026) studied this question.

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