Transformation of SME Financing Models Using Disruptive Technologies

Abstract

The evolution of SME financing is being reshaped by disruptive technologies such as blockchain, artificial intelligence, big data, and the Internet of Things. These innovations enhance financial accessibility, streamline credit assessment, and enable decentralized finance solutions. However, challenges such as regulatory uncertainties, cybersecurity risks, and algorithmic biases persist. This research explores the transformative impact of these technologies, addressing both opportunities and risks while proposing policy recommendations to ensure secure, inclusive, and efficient SME financing in an increasingly digital economy.