Fintech Services for SMEs: problems, solutions and development prospects

the article presents an in-depth analysis of the role of fintech services in the development of small and medium-sized enterprises (SMEs), focusing on the challenges faced by SMEs in obtaining traditional financial services and the opportunities offered by fintech solutions. A wide range of fintech services designed specifically for SMEs are discussed, including online lending platforms, financial management systems, accounting automation tools, payment systems, and online trading services. The advantages and limitations of each type of service are analyzed, as well as the impact on aspects of SME functioning. The purpose of the study is to conduct a comprehensive analysis of the role of fintech services in the development of small and medium-sized businesses (SMEs), identifying the problems faced by SMEs in obtaining traditional financial services and the opportunities offered by fintech solutions. The materials used include scientific publications on fintech industry, SME development and digital transformation of the economy, as well as statistical data on the fintech services market and the dynamics of SME development. The methodology is based on a comprehensive data analysis, using systematization, classification, analysis of advantages and limitations, as well as forecasting trends. The methods of comparative analysis, systematization, classification, as well as modeling and forecasting methods were used. To determine the key factors influencing the successful integration of fintech services into the business processes of SMEs, SWOT analysis was used to assess the strengths, weaknesses, opportunities and threats. Scenario planning methods were used to forecast the prospects of fintech industry development in the context of meeting the needs of SMEs. As a result of the study, the author offers practical recommendations for optimizing the process of implementing fintech services in SMEs, emphasizing the importance of training, adapting business models and creating a favorable regulatory environment. The conclusions discuss the prospects for the development of the fintech industry in the context of meeting the needs of SMEs, as well as forecast trends and directions of further development of fintech solutions aimed at this segment.

fintech services, digital transformation of the economy, small and medium-sized businesses (SMEs), integration of fintech services in SMEs, access to finance, financial risks, regulatory environment