FinTech governance and firms’ performance: Does financial literacy matter?

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Analysis shows financial literacy strengthens FinTech's positive effect on SMEs performance in Jordan.

FinTech indicators significantly enhance SMEs' performance, enabling operational and financial growth.
With a positive relationship established, financial literacy moderates the impact of FinTech on performance.
Data collected through a questionnaire from 172 SMEs in Jordan analyzed with structural equation modeling.
Findings highlight the critical role of financial inclusion and trust in fintech for boosting SMEs performance.

Zobi et al. (2025) studied this question.

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