إشكالية توافر التمويل للمؤسسات الصغيرة و المتوسطة : أي قيمة مضافة للتكنولوجيا المالية ؟

الملخص EN

This study aims to explore the impact of financial technology in alleviating traditional obstacles in financing SMEs.

It concluded that financial technology had a positive impact in alleviating the information asymmetry between SMEs and funders; and facilitating access to the public investors through electronic interfaces.

Financial technology also contributes to reducing transactions costs of the financing activity, but the final impact on the cost to SME borrowers needs further studies.