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FinTech and its relationship to SMEs financing: a systematic literature review and future research agenda
Fintech y su relación con el financiamiento de Pymes: una revisión sistemática de literatura y una agenda de investigación futura
DOI:
https://doi.org/10.15446/dyna.v91n233.113699Palabras clave:
financing, fintech, small and medium-sized enterprises (en)financiación, fintech, pequeñas y medianas empresas (es)
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This paper presents a systematic review of the literature, the state of the art and a future research agenda on the relationship between FinTech and the financing of small and medium-sized enterprises (SMEs). Digitalization and technological evolution have transformed access to financial resources, challenging SMEs in obtaining adequate financing. The emergence of FinTech offers new perspectives and opportunities, potentially revolutionizing how SMEs access and use financial services. Against this backdrop, 26 papers were extensively examined to analyze the relationship between the FinTech industry and its relationship with SMEs financing, possibilities, difficulties, and expectations in the current market in different parts of the world. Exploratory Research was found to be the most applied perspective to analyze the relationship between FinTech and SMEs.
Este artículo presenta una revisión sistemática de la literatura, el estado del arte y una futura agenda de investigación sobre la relación entre Fintech y el financiamiento de Pequeñas y Medianas Empresas (Pymes). La digitalización y la evolución tecnológica han transformado el acceso a los recursos financieros, desafiando a las Pymes a obtener financiación adecuada. El surgimiento de Fintech ofrece nuevas perspectivas y oportunidades, revolucionando potencialmente la forma en que las Pymes acceden y utilizan los servicios financieros. En este contexto, se examinaron exhaustivamente 26 artículos para analizar la relación entre la industria Fintech y su relación con el financiamiento de las Pymes, las posibilidades, dificultades y expectativas en el mercado actual en diferentes partes del mundo. Se descubrió que la investigación exploratoria es la perspectiva más comúnmente aplicada para analizar la relación entre Fintech y las Pymes
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