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FinTech Adoption for SMEs: Innovation and Opportunities Worldwide
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Author(s): Syed Ahmad Gillani (Goverement College University, Faisalabad, Pakistan), Areeba Rahat Alvi (Government College University, Faisalabad, Pakistan), Humara Ahmad (IVY College of Business Management, Pakistan), Syed Afraz Gillani (Government College University, Faisalabad, Pakistan)and Yasir Tanveer (Government College University, Faisalabad, Pakistan)
Copyright: 2025
Pages: 16
Source title:
Algorithmic Training, Future Markets, and Big Data for Finance Digitalization
Source Author(s)/Editor(s): Hamad Raza (Lyallpur Business School, Government College University, Faisalabad, Pakistan
), Ahsan Riaz (Lyallpur Business School, Government College University, Faisalabad, Pakistan
), Nimra Riaz (Department of Management Science, Riphah International University, Faisalabad, Pakistan
)and Suresh Ramakrishnan (Faculty of Management, Universiti Teknologi Malaysia, Malaysia)
DOI: 10.4018/979-8-3693-6386-7.ch004
Purchase
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Abstract
The available Financial Technology or more commonly known as FinTech has simplified ways that the small businesses can access financial services for their growth solutions. Out of these, the leading forms of finance technology such as third-party payment systems, peer-to-peer online lending, crowdfunding have promoted cross border electronic trade, credit processes and sources availing financial backing to ideas. These technologies enhance the efficiency, speed and convenience hence attracting small businesses which have issues such as high cost of collateral and high training costs. In this way, the FinTech platforms use big data and algorithms to fill the existing funding gap that the conventional sources failed to provide. FinTech differs to some extent around the world, mobile money is most used in developing countries while P2P lending is widely used in the developed countries.
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