Can fintech promote SME innovation?

Deyu Liu

Applied Economics Letters, 2025, vol. 32, issue 15, 2160-2165

Abstract: Our study investigates the role of financial technology (fintech) in fostering innovation in small and medium-sized enterprises (SMEs). Analyzing data from China’s Growth Enterprise Market (2010–2021), we discovered that fintech notably enhances innovation in SMEs, particularly by reducing financing constraints. The impact is more significant in the eastern region and for non-state-owned SMEs. Thus, advancing fintech development is key to boosting SME innovation and promoting national innovation.

Date: 2025
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DOI: 10.1080/13504851.2024.2332551

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