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This is a Literature Review study (also classified as: Data Analysis).

September 10, 2025

An Analysis of Fintech's Function in SME Lending

Key Points

Fintech enhances access to funding for SMEs, streamlining lending processes.
Financial technology offers innovative lending solutions, improving funding accessibility for small businesses.
The analysis combines literature review and data analysis to critically evaluate fintech's impact on SME lending.
This study suggests fintech's advantages could reshape the landscape of SME financing across sectors.

Abstract

Small and Medium Enterprises (SMEs) are critical to economic growth and employment, yet they face significant challenges in accessing traditional financing. Financial Technology (Fintech) has emerged as a transformative force in addressing these gaps by providing innovative, agile, and scalable lending solutions. This study explores the evolving role of Fintech in SME lending, highlighting its contributions, challenges, and comparative advantages over traditional financial institutions. Through a blend of literature review, data analysis, and critical evaluation, the paper provides insights into how Fintech can shape the future of SME financing.

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A Wed, study studied this question.

www.synapsesocial.com/papers/68c187269b7b07f3a06111d9 — DOI: https://doi.org/10.29121/ijrsmp.v12.i8.2025.04

An Analysis of Fintech's Function in SME Lending

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