The Role of Financial Technology (FinTech) in Enhancing MSMEs’ Access to Finance: A Study from the Perspective of Financial Management

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Quantitative analysis shows that fintech enhances access to finance in MSMEs, indicating the importance of financial literacy and trust.

FinTech adoption leads to improved access to finance for MSMEs, highlighting the need for financial literacy.
Financial literacy fully mediates the impact of FinTech on MSME financing outcomes, enhancing their potential for success.
Digitally literate MSME owners show better financial management and decision-making, which further boosts funding options.
The study emphasizes the significant roles of financial behavior and risk perception in moderating FinTech's effects on MSMEs.

Safitri et al. (2025) studied this question.

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