{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,4,25]],"date-time":"2026-04-25T04:20:47Z","timestamp":1777090847436,"version":"3.51.4"},"reference-count":191,"publisher":"Springer Science and Business Media LLC","issue":"1","license":[{"start":{"date-parts":[[2023,5,11]],"date-time":"2023-05-11T00:00:00Z","timestamp":1683763200000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.springernature.com\/gp\/researchers\/text-and-data-mining"},{"start":{"date-parts":[[2023,5,11]],"date-time":"2023-05-11T00:00:00Z","timestamp":1683763200000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/www.springernature.com\/gp\/researchers\/text-and-data-mining"}],"content-domain":{"domain":["link.springer.com"],"crossmark-restriction":false},"short-container-title":["Electron Commer Res"],"published-print":{"date-parts":[[2024,3]]},"DOI":"10.1007\/s10660-023-09705-5","type":"journal-article","created":{"date-parts":[[2023,5,11]],"date-time":"2023-05-11T10:16:16Z","timestamp":1683800176000},"page":"535-575","update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":54,"title":["Small businesses and FinTech: a systematic review and future directions"],"prefix":"10.1007","volume":"24","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-7263-3259","authenticated-orcid":false,"given":"Sachin Kumar","family":"Sharma","sequence":"first","affiliation":[]},{"given":"P. Vigneswara","family":"Ilavarasan","sequence":"additional","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0000-0003-0937-6058","authenticated-orcid":false,"given":"Stan","family":"Karanasios","sequence":"additional","affiliation":[]}],"member":"297","published-online":{"date-parts":[[2023,5,11]]},"reference":[{"key":"9705_CR1","doi-asserted-by":"publisher","DOI":"10.1016\/j.econlet.2021.109890","author":"K Abbasi","year":"2021","unstructured":"Abbasi, K., Alam, A., Brohi, N. A., Brohi, I. A., & Nasim, S. (2021). P2P lending Fintechs and SMEs\u2019 access to finance. Economics Letters. https:\/\/doi.org\/10.1016\/j.econlet.2021.109890","journal-title":"Economics Letters"},{"issue":"November 2020","key":"9705_CR2","doi-asserted-by":"publisher","first-page":"120454","DOI":"10.1016\/j.techfore.2020.120454","volume":"163","author":"K Abbasi","year":"2021","unstructured":"Abbasi, K., Alam, A., Du, M., & Huynh, T. L. D. (2021). FinTech, SME efficiency and national culture: Evidence from OECD countries. Technological Forecasting and Social Change, 163(November 2020), 120454. https:\/\/doi.org\/10.1016\/j.techfore.2020.120454","journal-title":"Technological Forecasting and Social Change"},{"issue":"5","key":"9705_CR3","doi-asserted-by":"publisher","first-page":"882","DOI":"10.1007\/s11747-021-00778-y","volume":"49","author":"A Adhikary","year":"2021","unstructured":"Adhikary, A., Diatha, K. S., Borah, S. B., & Sharma, A. (2021). How does the adoption of digital payment technologies influence unorganized retailers\u2019 performance? An investigation in an emerging market. Journal of the Academy of Marketing Science., 49(5), 882\u2013902. https:\/\/doi.org\/10.1007\/s11747-021-00778-y","journal-title":"Journal of the Academy of Marketing Science."},{"key":"9705_CR4","unstructured":"African Union Development Agency-NEPAD. (2022, August 1). Unlocking the potential of Africa\u2019s SME\u2019s using emerging technologies in Africa. https:\/\/www.nepad.org\/blog\/unlocking-potential-of-africas-smes-using-emerging-technologies-africa"},{"key":"9705_CR5","doi-asserted-by":"publisher","first-page":"101079","DOI":"10.1016\/j.elerap.2021.101079","volume":"49","author":"M-J Ariza-Garz\u00f3n","year":"2021","unstructured":"Ariza-Garz\u00f3n, M.-J., Camacho-Mi\u00f1ano, M.-D.-M., Segovia-Vargas, M.-J., & Arroyo, J. (2021). Risk-return modelling in the p2p lending market: Trends, gaps, recommendations and future directions. Electronic Commerce Research and Applications, 49, 101079. https:\/\/doi.org\/10.1016\/j.elerap.2021.101079","journal-title":"Electronic Commerce Research and Applications"},{"issue":"3","key":"9705_CR6","doi-asserted-by":"publisher","first-page":"335","DOI":"10.1108\/JSBED-10-2020-0370","volume":"29","author":"A Arslan","year":"2022","unstructured":"Arslan, A., Buchanan, B. G., Kamara, S., & Al Nabulsi, N. (2022). Fintech, base of the pyramid entrepreneurs and social value creation. Journal of Small Business and Enterprise Development, 29(3), 335\u2013353. https:\/\/doi.org\/10.1108\/JSBED-10-2020-0370","journal-title":"Journal of Small Business and Enterprise Development"},{"issue":"1","key":"9705_CR7","doi-asserted-by":"publisher","first-page":"146","DOI":"10.1080\/02681102.2019.1599798","volume":"26","author":"D Asamoah","year":"2020","unstructured":"Asamoah, D., Takieddine, S., & Amedofu, M. (2020). Examining the effect of mobile money transfer (MMT) capabilities on business growth and development impact. Information Technology for Development, 26(1), 146\u2013161. https:\/\/doi.org\/10.1080\/02681102.2019.1599798","journal-title":"Information Technology for Development"},{"key":"9705_CR8","doi-asserted-by":"publisher","DOI":"10.1007\/s10479-021-04235-5","author":"GS Bagale","year":"2021","unstructured":"Bagale, G. S., Vandadi, V. R., Singh, D., Sharma, D. K., Garlapati, D. V. K., Bommisetti, R. K., Gupta, R. K., Setsiawan, R., Subramaniyaswamy, V., & Sengan, S. (2021). Small and medium-sized enterprises\u2019 contribution in digital technology. Annals of Operations Research. https:\/\/doi.org\/10.1007\/s10479-021-04235-5","journal-title":"Annals of Operations Research"},{"issue":"3","key":"9705_CR9","doi-asserted-by":"publisher","first-page":"329","DOI":"10.2189\/ASQU.2005.50.3.329","volume":"50","author":"T Baker","year":"2005","unstructured":"Baker, T., & Nelson, R. E. (2005). Creating something from nothing: Resource construction through entrepreneurial bricolage. Administrative Science Quarterly, 50(3), 329\u2013366. https:\/\/doi.org\/10.2189\/ASQU.2005.50.3.329","journal-title":"Administrative Science Quarterly"},{"issue":"1","key":"9705_CR10","first-page":"35","volume":"17","author":"B Barkley","year":"2021","unstructured":"Barkley, B., & Schweitzer, M. (2021). The rise of fintech lending to small businesses: Businesses\u2019 perspectives on borrowing\u2217. International Journal of Central Banking, 17(1), 35\u201365.","journal-title":"International Journal of Central Banking"},{"key":"9705_CR11","doi-asserted-by":"publisher","first-page":"101069","DOI":"10.1016\/J.ELERAP.2021.101069","volume":"48","author":"SA Basha","year":"2021","unstructured":"Basha, S. A., Elgammal, M. M., & Abuzayed, B. M. (2021). Online peer-to-peer lending: A review of the literature. Electronic Commerce Research and Applications, 48, 101069. https:\/\/doi.org\/10.1016\/J.ELERAP.2021.101069","journal-title":"Electronic Commerce Research and Applications"},{"issue":"12","key":"9705_CR12","doi-asserted-by":"publisher","first-page":"8553","DOI":"10.1287\/mnsc.2022.4579","volume":"68","author":"C Batista","year":"2022","unstructured":"Batista, C., Sequeira, S., & Vicente, P. C. (2022). Closing the gender profit gap? Management Science, 68(12), 8553\u20138567. https:\/\/doi.org\/10.1287\/mnsc.2022.4579","journal-title":"Management Science"},{"key":"9705_CR13","doi-asserted-by":"publisher","first-page":"102932","DOI":"10.1016\/j.frl.2022.102932","volume":"48","author":"F Battaglia","year":"2022","unstructured":"Battaglia, F., Regoli, A., & Agnese, P. (2022). Do local innovation systems promote successful equity crowdfunding campaigns? Evidence from Italy. Finance Research Letters, 48, 102932. https:\/\/doi.org\/10.1016\/j.frl.2022.102932","journal-title":"Finance Research Letters"},{"key":"9705_CR14","unstructured":"BCC Research. (2022, December). FinTech: Investment, innovation, ideology, and technology. https:\/\/blog.bccresearch.com\/hubfs\/FinanceOverview\/FIN001B_Report_Overview.pdf?utm_campaign=FIN001B&utm_medium=email&_hsmi=233028526&_hsenc=p2ANqtz-_ql7xDIbiErW9YbiiBzcMpc_Hm-Bfwl3u8odlsUkd6WLDsuARzhwzDdKfgi7P4o1kqE4X"},{"key":"9705_CR15","doi-asserted-by":"publisher","first-page":"119330","DOI":"10.1016\/j.jclepro.2019.119330","volume":"249","author":"F Ben Slimane","year":"2020","unstructured":"Ben Slimane, F., & Rousseau, A. (2020). Crowdlending campaigns for renewable energy: Success factors. Journal of Cleaner Production, 249, 119330. https:\/\/doi.org\/10.1016\/j.jclepro.2019.119330","journal-title":"Journal of Cleaner Production"},{"issue":"1","key":"9705_CR16","doi-asserted-by":"publisher","first-page":"1","DOI":"10.25300\/MISQ\/2020\/13304","volume":"44","author":"H Benbya","year":"2020","unstructured":"Benbya, H., Nan, N., Tanriverdi, H., & Yoo, Y. (2020). Complexity and information systems research in the emerging digital world. MIS Quarterly Management Information Systems, 44(1), 1\u201317. https:\/\/doi.org\/10.25300\/MISQ\/2020\/13304","journal-title":"MIS Quarterly Management Information Systems"},{"issue":"11","key":"9705_CR17","doi-asserted-by":"publisher","first-page":"2945","DOI":"10.1016\/j.jbankfin.2006.05.008","volume":"30","author":"AN Berger","year":"2006","unstructured":"Berger, A. N., & Udell, G. F. (2006). A more complete conceptual framework for SME finance. Journal of Banking & Finance, 30(11), 2945\u20132966. https:\/\/doi.org\/10.1016\/j.jbankfin.2006.05.008","journal-title":"Journal of Banking & Finance"},{"key":"9705_CR18","doi-asserted-by":"publisher","unstructured":"Bernards, N. (2022). Colonial financial infrastructures and Kenya\u2019s Uneven Fintech Boom. In Antipode (Vol. 54, Issue 3, pp. 708\u2013728). https:\/\/doi.org\/10.1111\/anti.12810","DOI":"10.1111\/anti.12810"},{"issue":"2","key":"9705_CR19","doi-asserted-by":"publisher","first-page":"227","DOI":"10.1111\/ijmr.12128","volume":"20","author":"R Bocconcelli","year":"2018","unstructured":"Bocconcelli, R., Cioppi, M., Fortezza, F., Francioni, B., Pagano, A., Savelli, E., & Splendiani, S. (2018). SMEs and marketing: A systematic literature review. International Journal of Management Reviews, 20(2), 227\u2013254. https:\/\/doi.org\/10.1111\/ijmr.12128","journal-title":"International Journal of Management Reviews"},{"key":"9705_CR20","unstructured":"Boeddu, G., Carvajal, A. Fi., Chien, J., Istuk, I., Lopes, L., & Miller, M. (2020). With the right support, fintech alternative lenders can help small businesses weather the crisis. World Bank Blogs. https:\/\/blogs.worldbank.org\/psd\/right-support-fintech-alternative-lenders-can-help-small-businesses-weather-crisis"},{"issue":"December 2020","key":"9705_CR21","doi-asserted-by":"publisher","first-page":"101941","DOI":"10.1016\/j.jcorpfin.2021.101941","volume":"68","author":"H Bollaert","year":"2021","unstructured":"Bollaert, H., Lopez-de-Silanes, F., & Schwienbacher, A. (2021). Fintech and access to finance. Journal of Corporate Finance, 68(December 2020), 101941. https:\/\/doi.org\/10.1016\/j.jcorpfin.2021.101941","journal-title":"Journal of Corporate Finance"},{"key":"9705_CR22","doi-asserted-by":"publisher","first-page":"105938","DOI":"10.1016\/j.jbankfin.2020.105938","volume":"119","author":"D Bounie","year":"2020","unstructured":"Bounie, D., & Camara, Y. (2020). Card-sales response to merchant contactless payment acceptance. Journal of Banking and Finance, 119, 105938. https:\/\/doi.org\/10.1016\/j.jbankfin.2020.105938","journal-title":"Journal of Banking and Finance"},{"key":"9705_CR23","unstructured":"C2FO. (2023, January 31). The history of Fintech: How has the industry evolved? https:\/\/www.c2fo.com\/amer\/us\/en-us\/resource-center\/article\/07212021\/the-history-and-evolution-of-the-fintech-industry"},{"key":"9705_CR24","doi-asserted-by":"publisher","first-page":"101649","DOI":"10.1016\/j.intfin.2022.101649","volume":"80","author":"M Caglayan","year":"2022","unstructured":"Caglayan, M., Talavera, O., & Xiong, L. (2022). Female small business owners in China: Discouraged, not discriminated. Journal of International Financial Markets, Institutions and Money, 80, 101649. https:\/\/doi.org\/10.1016\/j.intfin.2022.101649","journal-title":"Journal of International Financial Markets, Institutions and Money"},{"key":"9705_CR25","doi-asserted-by":"publisher","DOI":"10.1080\/17530350.2022.2028655","author":"M Campbell-Verduyn","year":"2022","unstructured":"Campbell-Verduyn, M., & Giumelli, F. (2022). Enrolling into exclusion: African blockchain and decolonial ambitions in an evolving finance\/security infrastructure. Journal of Cultural Economy. https:\/\/doi.org\/10.1080\/17530350.2022.2028655","journal-title":"Journal of Cultural Economy"},{"key":"9705_CR26","doi-asserted-by":"publisher","first-page":"17","DOI":"10.1016\/j.geoforum.2019.03.014","volume":"102","author":"M Carolan","year":"2019","unstructured":"Carolan, M. (2019). Capitalizing on financing ecologies: The world making properties of peer-to-peer lending through everyday entrepreneurship. Geoforum, 102, 17\u201326. https:\/\/doi.org\/10.1016\/j.geoforum.2019.03.014","journal-title":"Geoforum"},{"issue":"4","key":"9705_CR27","doi-asserted-by":"publisher","first-page":"550","DOI":"10.1111\/isj.12320","volume":"31","author":"S Chatterjee","year":"2021","unstructured":"Chatterjee, S., Sarker, S., Lee, M. J., Xiao, X., & Elbanna, A. (2021). A possible conceptualization of the information systems (IS) artifact: A general systems theory perspective1. Information Systems Journal, 31(4), 550\u2013578. https:\/\/doi.org\/10.1111\/isj.12320","journal-title":"Information Systems Journal"},{"issue":"4","key":"9705_CR28","doi-asserted-by":"publisher","first-page":"467","DOI":"10.1080\/13602381.2021.1874665","volume":"28","author":"H Chen","year":"2022","unstructured":"Chen, H., & Yoon, S. S. (2022). Does technology innovation in finance alleviate financing constraints and reduce debt-financing costs? Evidence from China. Asia Pacific Business Review, 28(4), 467\u2013492. https:\/\/doi.org\/10.1080\/13602381.2021.1874665","journal-title":"Asia Pacific Business Review"},{"issue":"3","key":"9705_CR29","doi-asserted-by":"publisher","first-page":"2226","DOI":"10.1287\/mnsc.2020.3942","volume":"68","author":"T Chen","year":"2021","unstructured":"Chen, T., Huang, Y., Lin, C., & Sheng, Z. (2021). Finance and firm volatility: Evidence from small business lending in China. Management Science, 68(3), 2226\u20132249. https:\/\/doi.org\/10.1287\/mnsc.2020.3942","journal-title":"Management Science"},{"issue":"3","key":"9705_CR30","doi-asserted-by":"publisher","first-page":"197","DOI":"10.1111\/J.1365-2575.2004.00173.X","volume":"14","author":"W Chen","year":"2004","unstructured":"Chen, W., & Hirschheim, R. (2004). A paradigmatic and methodological examination of information systems research from 1991 to 2001. Information Systems Journal, 14(3), 197\u2013235. https:\/\/doi.org\/10.1111\/J.1365-2575.2004.00173.X","journal-title":"Information Systems Journal"},{"key":"9705_CR31","doi-asserted-by":"publisher","first-page":"108536","DOI":"10.1016\/j.ijpe.2022.108536","volume":"249","author":"Y Chen","year":"2022","unstructured":"Chen, Y., Zhang, R., & Liu, B. (2022). New product financing decision: Crowdfunding, bank or supply chain? International Journal of Production Economics, 249, 108536. https:\/\/doi.org\/10.1016\/j.ijpe.2022.108536","journal-title":"International Journal of Production Economics"},{"key":"9705_CR32","doi-asserted-by":"publisher","DOI":"10.1080\/1351847X.2020.1842223","author":"J Coakley","year":"2020","unstructured":"Coakley, J., & Huang, W. (2020). P2P lending and outside entrepreneurial finance. European Journal of Finance. https:\/\/doi.org\/10.1080\/1351847X.2020.1842223","journal-title":"European Journal of Finance"},{"issue":"3","key":"9705_CR33","doi-asserted-by":"publisher","first-page":"539","DOI":"10.1080\/02681102.2020.1840324","volume":"27","author":"CPK Coffie","year":"2021","unstructured":"Coffie, C. P. K., Hongjiang, Z., Mensah, I. A., Kiconco, R., & Simon, A. E. O. (2021). Determinants of FinTech payment services diffusion by SMEs in Sub-Saharan Africa: Evidence from Ghana. Information Technology for Development, 27(3), 539\u2013560. https:\/\/doi.org\/10.1080\/02681102.2020.1840324","journal-title":"Information Technology for Development"},{"issue":"1","key":"9705_CR34","doi-asserted-by":"publisher","first-page":"147","DOI":"10.1108\/JSBED-05-2017-0165","volume":"25","author":"J Cox","year":"2018","unstructured":"Cox, J., & Nguyen, T. (2018). Does the crowd mean business? An analysis of rewards-based crowdfunding as a source of finance for start-ups and small businesses. Journal of Small Business and Enterprise Development, 25(1), 147\u2013162. https:\/\/doi.org\/10.1108\/JSBED-05-2017-0165","journal-title":"Journal of Small Business and Enterprise Development"},{"issue":"5","key":"9705_CR35","doi-asserted-by":"publisher","first-page":"1103","DOI":"10.17705\/1jais.00630","volume":"21","author":"WA Cram","year":"2020","unstructured":"Cram, W. A., Templier, M., & Par\u00e9, G. (2020). (Re)considering the concept of literature review reproducibility. Journal of the Association for Information Systems, 21(5), 1103\u20131114. https:\/\/doi.org\/10.17705\/1jais.00630","journal-title":"Journal of the Association for Information Systems"},{"issue":"7","key":"9705_CR36","doi-asserted-by":"publisher","first-page":"2659","DOI":"10.1017\/S0022109022000357","volume":"57","author":"D Cumming","year":"2022","unstructured":"Cumming, D., Farag, H., Johan, S., & McGowan, D. (2022). The digital credit divide: Marketplace lending and entrepreneurship. Journal of Financial and Quantitative Analysis, 57(7), 2659\u20132692. https:\/\/doi.org\/10.1017\/S0022109022000357","journal-title":"Journal of Financial and Quantitative Analysis"},{"issue":"5","key":"9705_CR37","doi-asserted-by":"publisher","first-page":"265","DOI":"10.1016\/J.ELERAP.2015.07.006","volume":"14","author":"T Dahlberg","year":"2015","unstructured":"Dahlberg, T., Guo, J., & Ondrus, J. (2015). A critical review of mobile payment research. Electronic Commerce Research and Applications, 14(5), 265\u2013284. https:\/\/doi.org\/10.1016\/J.ELERAP.2015.07.006","journal-title":"Electronic Commerce Research and Applications"},{"issue":"2","key":"9705_CR38","doi-asserted-by":"publisher","first-page":"165","DOI":"10.1016\/j.elerap.2007.02.001","volume":"7","author":"T Dahlberg","year":"2008","unstructured":"Dahlberg, T., Mallat, N., Ondrus, J., & Zmijewska, A. (2008). Past, present and future of mobile payments research: A literature review. Electronic Commerce Research and Applications, 7(2), 165\u2013181. https:\/\/doi.org\/10.1016\/j.elerap.2007.02.001","journal-title":"Electronic Commerce Research and Applications"},{"issue":"sup2","key":"9705_CR39","doi-asserted-by":"publisher","first-page":"462","DOI":"10.1111\/jsbm.12498","volume":"57","author":"A Datta","year":"2019","unstructured":"Datta, A., Sahaym, A., & Brooks, S. (2019). Unpacking the antecedents of crowdfunding Campaign\u2019s success: The effects of social media and innovation orientation. Journal of Small Business Management, 57(sup2), 462\u2013488. https:\/\/doi.org\/10.1111\/jsbm.12498","journal-title":"Journal of Small Business Management"},{"issue":"2","key":"9705_CR40","doi-asserted-by":"publisher","first-page":"85","DOI":"10.1080\/23322373.2020.1753495","volume":"6","author":"F Dayour","year":"2020","unstructured":"Dayour, F., Adongo, C. A., & Agyeiwaah, E. (2020). Continuous intention to use mobile money (MM) services: Driving factors among small and medium-sized tourism and hospitality enterprises (SMTHEs). Africa Journal of Management, 6(2), 85\u2013114. https:\/\/doi.org\/10.1080\/23322373.2020.1753495","journal-title":"Africa Journal of Management"},{"issue":"6","key":"9705_CR41","doi-asserted-by":"publisher","first-page":"1321","DOI":"10.1108\/IJEBR-11-2018-0755","volume":"25","author":"VV De Luca","year":"2019","unstructured":"De Luca, V. V., Margherita, A., & Passiante, G. (2019). Crowdfunding: A systemic framework of benefits. International Journal of Entrepreneurial Behavior & Research, 25(6), 1321\u20131339. https:\/\/doi.org\/10.1108\/IJEBR-11-2018-0755","journal-title":"International Journal of Entrepreneurial Behavior & Research"},{"issue":"10\u201312","key":"9705_CR42","doi-asserted-by":"publisher","first-page":"1005","DOI":"10.1080\/09537287.2019.1582105","volume":"30","author":"L Dezi","year":"2019","unstructured":"Dezi, L., Leone, D., Schiavone, F., & Simoni, M. (2019). The knowledge management of micro-firms in the crowd: Key challenges for successful operations*. Production Planning and Control, 30(10\u201312), 1005\u20131018. https:\/\/doi.org\/10.1080\/09537287.2019.1582105","journal-title":"Production Planning and Control"},{"issue":"10","key":"9705_CR43","doi-asserted-by":"publisher","first-page":"32","DOI":"10.1145\/3132726","volume":"60","author":"V Dhar","year":"2017","unstructured":"Dhar, V., & Stein, R. M. (2017). FinTech platforms and strategy. Communications of the ACM, 60(10), 32\u201335. https:\/\/doi.org\/10.1145\/3132726","journal-title":"Communications of the ACM"},{"key":"9705_CR44","doi-asserted-by":"publisher","first-page":"121323","DOI":"10.1016\/j.techfore.2021.121323","volume":"175","author":"IE Djimesah","year":"2022","unstructured":"Djimesah, I. E., Zhao, H., Okine, A. N. D., Li, Y., Duah, E., & Kissi Mireku, K. (2022). Analyzing the technology of acceptance model of Ghanaian crowdfunding stakeholders. Technological Forecasting and Social Change, 175, 121323. https:\/\/doi.org\/10.1016\/j.techfore.2021.121323","journal-title":"Technological Forecasting and Social Change"},{"key":"9705_CR45","doi-asserted-by":"publisher","first-page":"56","DOI":"10.1016\/j.econlet.2017.09.020","volume":"161","author":"G Dorfleitner","year":"2017","unstructured":"Dorfleitner, G., Rad, J., & Weber, M. (2017). Pricing in the online invoice trading market: First empirical evidence. Economics Letters, 161, 56\u201361. https:\/\/doi.org\/10.1016\/j.econlet.2017.09.020","journal-title":"Economics Letters"},{"issue":"1","key":"9705_CR46","doi-asserted-by":"publisher","first-page":"105","DOI":"10.1007\/s11187-019-00210-4","volume":"56","author":"D Eldridge","year":"2021","unstructured":"Eldridge, D., Nisar, T. M., & Torchia, M. (2021). What impact does equity crowdfunding have on SME innovation and growth? An empirical study. Small Business Economics, 56(1), 105\u2013120. https:\/\/doi.org\/10.1007\/s11187-019-00210-4","journal-title":"Small Business Economics"},{"issue":"4","key":"9705_CR47","doi-asserted-by":"publisher","first-page":"619","DOI":"10.1108\/IMR-11-2015-0256","volume":"35","author":"EA Elliot","year":"2018","unstructured":"Elliot, E. A., Ngugi, B., & Malgwi, C. A. (2018). Mitigating microfinance marketing channels inefficiencies with customerization of mobile technology. International Marketing Review, 35(4), 619\u2013636. https:\/\/doi.org\/10.1108\/IMR-11-2015-0256","journal-title":"International Marketing Review"},{"key":"9705_CR48","doi-asserted-by":"publisher","first-page":"102264","DOI":"10.1016\/j.frl.2021.102264","volume":"46","author":"R Emanuel-Correia","year":"2022","unstructured":"Emanuel-Correia, R., Duarte, F., Gama, A. P. M., & Augusto, M. (2022). Does peer-to-peer crowdfunding boost refugee entrepreneurs? Finance Research Letters, 46, 102264. https:\/\/doi.org\/10.1016\/j.frl.2021.102264","journal-title":"Finance Research Letters"},{"issue":"1","key":"9705_CR49","doi-asserted-by":"publisher","first-page":"90","DOI":"10.1016\/j.jfineco.2022.05.004","volume":"146","author":"I Erel","year":"2022","unstructured":"Erel, I., & Liebersohn, J. (2022). Can FinTech reduce disparities in access to finance? Evidence from the Paycheck protection program. Journal of Financial Economics, 146(1), 90\u2013118. https:\/\/doi.org\/10.1016\/j.jfineco.2022.05.004","journal-title":"Journal of Financial Economics"},{"key":"9705_CR50","doi-asserted-by":"publisher","DOI":"10.1007\/s10479-020-03749-8","author":"X Fan","year":"2020","unstructured":"Fan, X., Zhao, W., Zhang, T., & Yan, E. (2020). Mobile payment, third-party payment platform entry and information sharing in supply chains. Annals of Operations Research. https:\/\/doi.org\/10.1007\/s10479-020-03749-8","journal-title":"Annals of Operations Research"},{"issue":"December 2020","key":"9705_CR51","doi-asserted-by":"publisher","first-page":"101879","DOI":"10.1016\/j.jcorpfin.2020.101879","volume":"67","author":"H Farag","year":"2021","unstructured":"Farag, H., & Johan, S. (2021). How alternative finance informs central themes in corporate finance. Journal of Corporate Finance, 67(December 2020), 101879. https:\/\/doi.org\/10.1016\/j.jcorpfin.2020.101879","journal-title":"Journal of Corporate Finance"},{"key":"9705_CR52","doi-asserted-by":"publisher","first-page":"106070","DOI":"10.1016\/j.jeconbus.2022.106070","volume":"121","author":"F Fasano","year":"2022","unstructured":"Fasano, F., & Cappa, F. (2022). How do banking fintech services affect SME debt. Journal of Economics and Business, 121, 106070. https:\/\/doi.org\/10.1016\/j.jeconbus.2022.106070","journal-title":"Journal of Economics and Business"},{"key":"9705_CR53","doi-asserted-by":"publisher","first-page":"105687","DOI":"10.1016\/j.clsr.2022.105687","volume":"45","author":"MV Ferrari","year":"2022","unstructured":"Ferrari, M. V. (2022). The platformisation of digital payments: The fabrication of consumer interest in the EU FinTech agenda. Computer Law & Security Review, 45, 105687. https:\/\/doi.org\/10.1016\/j.clsr.2022.105687","journal-title":"Computer Law & Security Review"},{"key":"9705_CR54","unstructured":"Fintechtris. (2021, January 20). The evolution of FinTech lending. https:\/\/www.fintechtris.com\/blog\/evolution-fintech-lending"},{"issue":"2\u20133","key":"9705_CR55","doi-asserted-by":"publisher","first-page":"115","DOI":"10.1080\/09537287.2019.1631460","volume":"31","author":"S Fosso Wamba","year":"2020","unstructured":"Fosso Wamba, S., Kala Kamdjoug, J. R., Epie Bawack, R., & Keogh, J. G. (2020). Bitcoin, blockchain and Fintech: A systematic review and case studies in the supply chain. Production Planning and Control, 31(2\u20133), 115\u2013142. https:\/\/doi.org\/10.1080\/09537287.2019.1631460","journal-title":"Production Planning and Control"},{"issue":"Novermber 2021","key":"9705_CR56","doi-asserted-by":"publisher","first-page":"121319","DOI":"10.1016\/j.techfore.2021.121319","volume":"175","author":"HP Fu","year":"2022","unstructured":"Fu, H. P., Chang, T. S., Wang, C. N., Hsu, H. P., Liu, C. H., & Yeh, C. Y. (2022). Critical factors affecting the introduction of mobile payment tools by microretailers. Technological Forecasting and Social Change, 175(Novermber 2021), 121319. https:\/\/doi.org\/10.1016\/j.techfore.2021.121319","journal-title":"Technological Forecasting and Social Change"},{"issue":"4","key":"9705_CR57","doi-asserted-by":"publisher","first-page":"423","DOI":"10.1080\/13563467.2017.1259298","volume":"22","author":"D Gabor","year":"2017","unstructured":"Gabor, D., & Brooks, S. (2017). The digital revolution in financial inclusion: International development in the fintech era. New Political Economy, 22(4), 423\u2013436. https:\/\/doi.org\/10.1080\/13563467.2017.1259298","journal-title":"New Political Economy"},{"issue":"2","key":"9705_CR58","doi-asserted-by":"publisher","first-page":"585","DOI":"10.1016\/j.ejor.2017.12.006","volume":"267","author":"G-X Gao","year":"2018","unstructured":"Gao, G.-X., Fan, Z.-P., Fang, X., & Lim, Y. F. (2018). Optimal Stackelberg strategies for financing a supply chain through online peer-to-peer lending. European Journal of Operational Research, 267(2), 585\u2013597. https:\/\/doi.org\/10.1016\/j.ejor.2017.12.006","journal-title":"European Journal of Operational Research"},{"key":"9705_CR59","unstructured":"Global Partnership for Financial Inclusion (GPFI). (2020, July 19). Promoting Digital and Innovative SME Financing. https:\/\/www.gpfi.org\/news\/promoting-digital-and-innovative-sme-financing"},{"key":"9705_CR60","unstructured":"GlobeNewswire. (2022, April 27). Peer-to-Peer (P2P) Lending Market Size to Surpass US$ 705.81 Bn by 2030. https:\/\/www.globenewswire.com\/en\/news-release\/2022\/04\/27\/2430044\/0\/en\/Peer-to-Peer-P2P-Lending-Market-Size-to-Surpass-US-705-81-Bn-by-2030.html"},{"issue":"1","key":"9705_CR61","doi-asserted-by":"publisher","first-page":"220","DOI":"10.1080\/07421222.2018.1440766","volume":"35","author":"P Gomber","year":"2018","unstructured":"Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the FinTech revolution: Interpreting the forces of innovation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220\u2013265. https:\/\/doi.org\/10.1080\/07421222.2018.1440766","journal-title":"Journal of Management Information Systems"},{"issue":"5","key":"9705_CR62","doi-asserted-by":"publisher","first-page":"537","DOI":"10.1007\/s11573-017-0852-x","volume":"87","author":"P Gomber","year":"2017","unstructured":"Gomber, P., Koch, J.-A., & Siering, M. (2017). Digital Finance and FinTech: Current research and future research directions. Journal of Business Economics, 87(5), 537\u2013580. https:\/\/doi.org\/10.1007\/s11573-017-0852-x","journal-title":"Journal of Business Economics"},{"key":"9705_CR63","doi-asserted-by":"publisher","first-page":"107490","DOI":"10.1016\/j.ijpe.2019.09.011","volume":"222","author":"D Gong","year":"2020","unstructured":"Gong, D., Liu, S., Liu, J., & Ren, L. (2020). Who benefits from online financing? A sharing economy E-tailing platform perspective. International Journal of Production Economics, 222, 107490. https:\/\/doi.org\/10.1016\/j.ijpe.2019.09.011","journal-title":"International Journal of Production Economics"},{"key":"9705_CR64","doi-asserted-by":"publisher","first-page":"100577","DOI":"10.1016\/j.jbef.2021.100577","volume":"32","author":"JW Goodell","year":"2021","unstructured":"Goodell, J. W., Kumar, S., Lim, W. M., & Pattnaik, D. (2021). Artificial intelligence and machine learning in finance: Identifying foundations, themes, and research clusters from bibliometric analysis. Journal of Behavioral and Experimental Finance, 32, 100577. https:\/\/doi.org\/10.1016\/j.jbef.2021.100577","journal-title":"Journal of Behavioral and Experimental Finance"},{"issue":"11","key":"9705_CR65","doi-asserted-by":"publisher","first-page":"4859","DOI":"10.1093\/rfs\/hhac034","volume":"35","author":"M Gopal","year":"2022","unstructured":"Gopal, M., & Schnabl, P. (2022). The rise of finance companies and FinTech lenders in small business lending. The Review of Financial Studies, 35(11), 4859\u20134901. https:\/\/doi.org\/10.1093\/rfs\/hhac034","journal-title":"The Review of Financial Studies"},{"key":"9705_CR66","unstructured":"Grand View Research. (2022, November 24). Crowdfunding Market Size, Share & Trends Analysis Report By Type (Equity-based, Debt-based) By Application (Food & Beverage, Technology, Media, Healthcare, Real Estate), By Region, And Segment Forecasts, 2023\u20132030. https:\/\/www.grandviewresearch.com\/industry-analysis\/crowdfunding-market-report"},{"key":"9705_CR67","doi-asserted-by":"publisher","first-page":"101713","DOI":"10.1016\/j.intfin.2022.101713","volume":"82","author":"J Guo","year":"2023","unstructured":"Guo, J., Fang, H., Liu, X., Wang, C., & Wang, Y. (2023). FinTech and financing constraints of enterprises: Evidence from China. Journal of International Financial Markets Institutions and Money, 82, 101713. https:\/\/doi.org\/10.1016\/j.intfin.2022.101713","journal-title":"Journal of International Financial Markets Institutions and Money"},{"issue":"4","key":"9705_CR68","doi-asserted-by":"publisher","first-page":"671","DOI":"10.1080\/00220388.2021.1988078","volume":"58","author":"JS Hamdan","year":"2022","unstructured":"Hamdan, J. S., Lehmann-Uschner, K., & Menkhoff, L. (2022). Mobile money, financial inclusion, and unmet opportunities: Evidence from Uganda. The Journal of Development Studies, 58(4), 671\u2013691. https:\/\/doi.org\/10.1080\/00220388.2021.1988078","journal-title":"The Journal of Development Studies"},{"issue":"4","key":"9705_CR69","doi-asserted-by":"publisher","first-page":"293","DOI":"10.1007\/s12552-021-09353-0","volume":"14","author":"T Haupert","year":"2022","unstructured":"Haupert, T. (2022). New technology, old patterns: Fintech Lending, metropolitan segregation, and subprime credit. Race and Social Problems, 14(4), 293\u2013307. https:\/\/doi.org\/10.1007\/s12552-021-09353-0","journal-title":"Race and Social Problems"},{"key":"9705_CR70","doi-asserted-by":"publisher","DOI":"10.1177\/1094428120986851","author":"MRW Hiebl","year":"2021","unstructured":"Hiebl, M. R. W. (2021). Sample selection in systematic literature reviews of management research. Organizational Research Methods. https:\/\/doi.org\/10.1177\/1094428120986851","journal-title":"Organizational Research Methods"},{"issue":"1","key":"9705_CR71","doi-asserted-by":"publisher","first-page":"146","DOI":"10.1108\/IntR-08-2014-0202","volume":"26","author":"J Hobbs","year":"2016","unstructured":"Hobbs, J., Grigore, G., & Molesworth, M. (2016). Success in the management of crowdfunding projects in the creative industries. Internet Research, 26(1), 146\u2013166. https:\/\/doi.org\/10.1108\/IntR-08-2014-0202","journal-title":"Internet Research"},{"issue":"3","key":"9705_CR72","doi-asserted-by":"publisher","first-page":"339","DOI":"10.1007\/s12525-017-0269-y","volume":"28","author":"A Hoegen","year":"2018","unstructured":"Hoegen, A., Steininger, D. M., & Veit, D. (2018). How do investors decide? An interdisciplinary review of decision-making in crowdfunding. Electronic Markets, 28(3), 339\u2013365. https:\/\/doi.org\/10.1007\/s12525-017-0269-y","journal-title":"Electronic Markets"},{"issue":"1","key":"9705_CR73","doi-asserted-by":"publisher","first-page":"73","DOI":"10.1177\/0266242699181004","volume":"18","author":"X Huang","year":"1999","unstructured":"Huang, X., & Brown, A. (1999). An analysis and classification of problems in small business. International Small Business Journal, 18(1), 73\u201385. https:\/\/doi.org\/10.1177\/0266242699181004","journal-title":"International Small Business Journal"},{"key":"9705_CR74","doi-asserted-by":"publisher","DOI":"10.1080\/00036846.2022.2136616","author":"Z Huang","year":"2022","unstructured":"Huang, Z., Tao, Y., Luo, X., Ye, Y., & Lei, T. (2022). Regional digital finance and corporate investment efficiency in China. Applied Economics. https:\/\/doi.org\/10.1080\/00036846.2022.2136616","journal-title":"Applied Economics"},{"key":"9705_CR75","unstructured":"Imarc. (2022). India mobile payment market: Industry trends, share, size, growth, opportunity and forecast 2023\u20132028. https:\/\/www.imarcgroup.com\/india-mobile-payment-market"},{"key":"9705_CR76","doi-asserted-by":"publisher","first-page":"57","DOI":"10.1016\/j.geoforum.2021.11.020","volume":"128","author":"S Ioannou","year":"2022","unstructured":"Ioannou, S., & W\u00f3jcik, D. (2022). The limits to FinTech unveiled by the financial geography of Latin America. Geoforum, 128, 57\u201367. https:\/\/doi.org\/10.1016\/j.geoforum.2021.11.020","journal-title":"Geoforum"},{"issue":"3","key":"9705_CR77","doi-asserted-by":"publisher","first-page":"1245","DOI":"10.1007\/s11187-021-00562-w","volume":"59","author":"AM Islam","year":"2022","unstructured":"Islam, A. M., & Muzi, S. (2022). Does mobile money enable women-owned businesses to invest? Firm-level evidence from Sub-Saharan Africa. Small Business Economics, 59(3), 1245\u20131271. https:\/\/doi.org\/10.1007\/s11187-021-00562-w","journal-title":"Small Business Economics"},{"issue":"3","key":"9705_CR78","doi-asserted-by":"publisher","first-page":"687","DOI":"10.1007\/s11187-017-9951-x","volume":"51","author":"AM Islam","year":"2018","unstructured":"Islam, A. M., Muzi, S., & Rodriguez Meza, J. L. (2018). Does mobile money use increase firms\u2019 investment? Evidence from enterprise surveys in Kenya, Uganda, and Tanzania. Small Business Economics, 51(3), 687\u2013708. https:\/\/doi.org\/10.1007\/s11187-017-9951-x","journal-title":"Small Business Economics"},{"key":"9705_CR79","doi-asserted-by":"publisher","first-page":"101731","DOI":"10.1016\/j.pacfin.2022.101731","volume":"72","author":"Y Ji","year":"2022","unstructured":"Ji, Y., Shi, L., & Zhang, S. (2022). Digital finance and corporate bankruptcy risk: Evidence from China. Pacific-Basin Finance Journal, 72, 101731. https:\/\/doi.org\/10.1016\/j.pacfin.2022.101731","journal-title":"Pacific-Basin Finance Journal"},{"key":"9705_CR80","doi-asserted-by":"publisher","first-page":"108469","DOI":"10.1016\/j.ijpe.2022.108469","volume":"247","author":"R Jiang","year":"2022","unstructured":"Jiang, R., Kang, Y., Liu, Y., Liang, Z., Duan, Y., Sun, Y., & Liu, J. (2022). A trust transitivity model of small and medium-sized manufacturing enterprises under blockchain-based supply chain finance. International Journal of Production Economics, 247, 108469. https:\/\/doi.org\/10.1016\/j.ijpe.2022.108469","journal-title":"International Journal of Production Economics"},{"key":"9705_CR81","doi-asserted-by":"publisher","first-page":"102813","DOI":"10.1016\/j.tre.2022.102813","volume":"164","author":"Z-Z Jiang","year":"2022","unstructured":"Jiang, Z.-Z., Feng, G., Yi, Z., & Lu, W. (2022). Raising funds through crowdfunding for a capital-constrained servicing manufacturer. Transportation Research Part E: Logistics and Transportation Review, 164, 102813. https:\/\/doi.org\/10.1016\/j.tre.2022.102813","journal-title":"Transportation Research Part E: Logistics and Transportation Review"},{"key":"9705_CR82","doi-asserted-by":"publisher","first-page":"100908","DOI":"10.1016\/j.elerap.2019.100908","volume":"40","author":"M Jocevski","year":"2020","unstructured":"Jocevski, M., Ghezzi, A., & Arvidsson, N. (2020). Exploring the growth challenge of mobile payment platforms: A business model perspective. Electronic Commerce Research and Applications, 40, 100908. https:\/\/doi.org\/10.1016\/j.elerap.2019.100908","journal-title":"Electronic Commerce Research and Applications"},{"key":"9705_CR83","doi-asserted-by":"publisher","first-page":"100848","DOI":"10.1016\/j.elerap.2019.100848","volume":"35","author":"N Jonker","year":"2019","unstructured":"Jonker, N. (2019). What drives the adoption of crypto-payments by online retailers? Electronic Commerce Research and Applications, 35, 100848. https:\/\/doi.org\/10.1016\/j.elerap.2019.100848","journal-title":"Electronic Commerce Research and Applications"},{"key":"9705_CR84","doi-asserted-by":"publisher","first-page":"106182","DOI":"10.1016\/j.econmod.2022.106182","volume":"120","author":"TU Kame Babilla","year":"2023","unstructured":"Kame Babilla, T. U. (2023). Digital innovation and financial access for small and medium-sized enterprises in a currency union. Economic Modelling, 120, 106182. https:\/\/doi.org\/10.1016\/j.econmod.2022.106182","journal-title":"Economic Modelling"},{"key":"9705_CR85","unstructured":"Karanasios, S., Senyo, P., Effah, J., & Zorina, A. (2022). Digital Bricolage: Creating a digital transformation from nothing. ICIS 2022 Proceedings. https:\/\/aisel.aisnet.org\/icis2022\/entren\/entren\/13"},{"key":"9705_CR86","doi-asserted-by":"publisher","DOI":"10.1007\/s10660-022-09566-4","author":"J Kaur","year":"2022","unstructured":"Kaur, J., Kumar, S., Narkhede, B. E., Dabi\u0107, M., Rathore, A. P. S., & Joshi, R. (2022). Barriers to blockchain adoption for supply chain finance: The case of Indian SMEs. Electronic Commerce Research. https:\/\/doi.org\/10.1007\/s10660-022-09566-4","journal-title":"Electronic Commerce Research"},{"key":"9705_CR87","unstructured":"Kearns, J., & Mathew, A. (2022). Digital-Journeys: India embraces mobile money. International Monetary Fund. https:\/\/www.imf.org\/en\/Publications\/fandd\/issues\/2022\/09\/Digital-Journeys-India-embraces-mobile-money-Kearns-Mathew"},{"issue":"4","key":"9705_CR88","doi-asserted-by":"publisher","first-page":"452","DOI":"10.1080\/17530350.2022.2041463","volume":"15","author":"A Kedir","year":"2022","unstructured":"Kedir, A., & Kouame, E. (2022). FinTech and women\u2019s entrepreneurship in Africa: The case of Burkina Faso and Cameroon. Journal of Cultural Economy, 15(4), 452\u2013467. https:\/\/doi.org\/10.1080\/17530350.2022.2041463","journal-title":"Journal of Cultural Economy"},{"issue":"1","key":"9705_CR89","doi-asserted-by":"publisher","first-page":"67","DOI":"10.1007\/s11187-017-9986-z","volume":"52","author":"R Kgoroeadira","year":"2019","unstructured":"Kgoroeadira, R., Burke, A., & van Stel, A. (2019). Small business online loan crowdfunding: Who gets funded and what determines the rate of interest? Small Business Economics, 52(1), 67\u201387. https:\/\/doi.org\/10.1007\/s11187-017-9986-z","journal-title":"Small Business Economics"},{"issue":"October","key":"9705_CR90","first-page":"1","volume":"192","author":"K Kim","year":"2021","unstructured":"Kim, K., Concepcion Latoja, M., Beck, S., & Claire Tayag, M. (2021). Trade finance gaps, growth, and jobs survey. ADB Briefs, 192(October), 1\u20139.","journal-title":"ADB Briefs"},{"key":"9705_CR91","doi-asserted-by":"publisher","unstructured":"Kon, Y., & Storey, D. J. (2003). A theory of discouraged borrowers. In Small business economics (Vol. 21, Issue 1, pp. 37\u201349). Berlin: Springer. https:\/\/doi.org\/10.1023\/A:1024447603600","DOI":"10.1023\/A:1024447603600"},{"key":"9705_CR92","doi-asserted-by":"publisher","DOI":"10.1108\/ITP-11-2021-0906","author":"I Koomson","year":"2022","unstructured":"Koomson, I., Martey, E., & Etwire, P. M. (2022). Mobile money and entrepreneurship in East Africa: The mediating roles of digital savings and access to digital credit. Information Technology & People. https:\/\/doi.org\/10.1108\/ITP-11-2021-0906","journal-title":"Information Technology & People"},{"issue":"8","key":"9705_CR93","doi-asserted-by":"publisher","first-page":"2577","DOI":"10.1007\/s11846-022-00588-8","volume":"16","author":"S Kraus","year":"2022","unstructured":"Kraus, S., Breier, M., Lim, W. M., Dabi\u0107, M., Kumar, S., Kanbach, D., Mukherjee, D., Corvello, V., Pi\u00f1eiro-Chousa, J., Liguori, E., Palacios-Marqu\u00e9s, D., Schiavone, F., Ferraris, A., Fernandes, C., & Ferreira, J. J. (2022). Literature reviews as independent studies: Guidelines for academic practice. Review of Managerial Science, 16(8), 2577\u20132595. https:\/\/doi.org\/10.1007\/s11846-022-00588-8","journal-title":"Review of Managerial Science"},{"issue":"3\u20134","key":"9705_CR94","doi-asserted-by":"publisher","first-page":"287","DOI":"10.1080\/13691066.2022.2128932","volume":"24","author":"M-L Kukk","year":"2022","unstructured":"Kukk, M.-L. (2022). The debt-equity choice in crowdfunding: A two-method approach. Venture Capital, 24(3\u20134), 287\u2013308. https:\/\/doi.org\/10.1080\/13691066.2022.2128932","journal-title":"Venture Capital"},{"key":"9705_CR95","doi-asserted-by":"publisher","DOI":"10.1007\/s10796-022-10279-0","author":"S Kumar","year":"2022","unstructured":"Kumar, S., Lim, W. M., Sivarajah, U., & Kaur, J. (2022). Artificial intelligence and blockchain integration in business: Trends from a bibliometric-content analysis. Information Systems Frontiers. https:\/\/doi.org\/10.1007\/s10796-022-10279-0","journal-title":"Information Systems Frontiers"},{"issue":"4","key":"9705_CR96","doi-asserted-by":"publisher","first-page":"747","DOI":"10.1007\/s11747-018-0613-6","volume":"47","author":"V Kumar","year":"2019","unstructured":"Kumar, V., Nim, N., & Sharma, A. (2019). Driving growth of Mwallets in emerging markets: A retailer\u2019s perspective. Journal of the Academy of Marketing Science, 47(4), 747\u2013769. https:\/\/doi.org\/10.1007\/s11747-018-0613-6","journal-title":"Journal of the Academy of Marketing Science"},{"issue":"1","key":"9705_CR97","doi-asserted-by":"publisher","first-page":"61","DOI":"10.1111\/isj.12333","volume":"32","author":"A Lagna","year":"2022","unstructured":"Lagna, A., & Ravishankar, M. N. (2022). Making the world a better place with fintech research. Information Systems Journal, 32(1), 61\u2013102. https:\/\/doi.org\/10.1111\/isj.12333","journal-title":"Information Systems Journal"},{"issue":"4","key":"9705_CR98","doi-asserted-by":"publisher","first-page":"401","DOI":"10.1080\/17530350.2022.2028652","volume":"15","author":"P Langley","year":"2022","unstructured":"Langley, P., & Leyshon, A. (2022). Neo-colonial credit: FinTech platforms in Africa. Journal of Cultural Economy, 15(4), 401\u2013415. https:\/\/doi.org\/10.1080\/17530350.2022.2028652","journal-title":"Journal of Cultural Economy"},{"key":"9705_CR99","unstructured":"Lardizabal, E., & Pepe, Z. (2022, September). Unlocking SME potential in Latin America and the Caribbean. Atlantic Council. https:\/\/repositorio.cepal.org\/bitstream\/handle\/11362\/47927\/S2200361_en.pdf?sequence=1&isAllowed=y;"},{"issue":"1","key":"9705_CR100","doi-asserted-by":"publisher","first-page":"35","DOI":"10.1016\/j.bushor.2017.09.003","volume":"61","author":"I Lee","year":"2018","unstructured":"Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35\u201346. https:\/\/doi.org\/10.1016\/j.bushor.2017.09.003","journal-title":"Business Horizons"},{"key":"9705_CR101","doi-asserted-by":"publisher","first-page":"7","DOI":"10.1016\/J.JRETCONSER.2019.01.007","volume":"48","author":"J Lee","year":"2019","unstructured":"Lee, J., Ryu, M. H., & Lee, D. (2019). A study on the reciprocal relationship between user perception and retailer perception on platform-based mobile payment service. Journal of Retailing and Consumer Services, 48, 7\u201315. https:\/\/doi.org\/10.1016\/J.JRETCONSER.2019.01.007","journal-title":"Journal of Retailing and Consumer Services"},{"issue":"3","key":"9705_CR102","doi-asserted-by":"publisher","first-page":"103384","DOI":"10.1016\/j.im.2020.103384","volume":"59","author":"C Leong","year":"2022","unstructured":"Leong, C., Tan, F. T. C., Tan, B., & Faisal, F. (2022). The emancipatory potential of digital entrepreneurship: A study of financial technology-driven inclusive growth. Information & Management, 59(3), 103384. https:\/\/doi.org\/10.1016\/j.im.2020.103384","journal-title":"Information & Management"},{"issue":"1","key":"9705_CR103","doi-asserted-by":"publisher","first-page":"96","DOI":"10.1080\/16081625.2021.1879658","volume":"30","author":"X Li","year":"2023","unstructured":"Li, X., Jiang, X., & Yang, Y. (2023). Learning by P2P bidding. Asia-Pacific Journal of Accounting & Economics, 30(1), 96\u2013119. https:\/\/doi.org\/10.1080\/16081625.2021.1879658","journal-title":"Asia-Pacific Journal of Accounting & Economics"},{"key":"9705_CR104","doi-asserted-by":"publisher","first-page":"32","DOI":"10.1016\/j.techfore.2017.04.002","volume":"120","author":"F Li\u00e9bana-Cabanillas","year":"2017","unstructured":"Li\u00e9bana-Cabanillas, F., & Lara-Rubio, J. (2017). Predictive and explanatory modeling regarding adoption of mobile payment systems. Technological Forecasting and Social Change, 120, 32\u201340. https:\/\/doi.org\/10.1016\/j.techfore.2017.04.002","journal-title":"Technological Forecasting and Social Change"},{"key":"9705_CR105","doi-asserted-by":"publisher","DOI":"10.1080\/0965254X.2021.1941204","author":"WM Lim","year":"2021","unstructured":"Lim, W. M., Gupta, S., Aggarwal, A., Paul, J., & Sadhna, P. (2021). How do digital natives perceive and react toward online advertising? Implications for SMEs. Journal of Strategic Marketing. https:\/\/doi.org\/10.1080\/0965254X.2021.1941204","journal-title":"Journal of Strategic Marketing"},{"issue":"7\u20138","key":"9705_CR106","doi-asserted-by":"publisher","first-page":"481","DOI":"10.1080\/02642069.2022.2047941","volume":"42","author":"WM Lim","year":"2022","unstructured":"Lim, W. M., Kumar, S., & Ali, F. (2022). Advancing knowledge through literature reviews: \u2018what\u2019, \u2018why\u2019, and \u2018how to contribute.\u2019 The Service Industries Journal, 42(7\u20138), 481\u2013513. https:\/\/doi.org\/10.1080\/02642069.2022.2047941","journal-title":"The Service Industries Journal"},{"key":"9705_CR107","doi-asserted-by":"publisher","first-page":"101846","DOI":"10.1016\/j.chieco.2022.101846","volume":"75","author":"A Lin","year":"2022","unstructured":"Lin, A., Peng, Y., & Wu, X. (2022). Digital finance and investment of micro and small enterprises: Evidence from China. China Economic Review, 75, 101846. https:\/\/doi.org\/10.1016\/j.chieco.2022.101846","journal-title":"China Economic Review"},{"key":"9705_CR108","doi-asserted-by":"publisher","first-page":"120022","DOI":"10.1016\/j.techfore.2020.120022","volume":"155","author":"J Liu","year":"2020","unstructured":"Liu, J., Li, X., & Wang, S. (2020). What have we learnt from 10 years of fintech research? A scientometric analysis. Technological Forecasting and Social Change, 155, 120022. https:\/\/doi.org\/10.1016\/j.techfore.2020.120022","journal-title":"Technological Forecasting and Social Change"},{"issue":"8","key":"9705_CR109","doi-asserted-by":"publisher","first-page":"103718","DOI":"10.1016\/j.im.2022.103718","volume":"59","author":"X Liu","year":"2022","unstructured":"Liu, X., Fang, Y., & Ye, Q. (2022). Product sampling on reward-based crowdfunding platforms. Information & Management, 59(8), 103718. https:\/\/doi.org\/10.1016\/j.im.2022.103718","journal-title":"Information & Management"},{"issue":"2","key":"9705_CR110","doi-asserted-by":"publisher","first-page":"136","DOI":"10.1080\/13662716.2020.1774867","volume":"28","author":"E Lorenz","year":"2021","unstructured":"Lorenz, E., & Pommet, S. (2021). Mobile money, inclusive finance and enterprise innovativeness: An analysis of East African nations. Industry and Innovation, 28(2), 136\u2013159. https:\/\/doi.org\/10.1080\/13662716.2020.1774867","journal-title":"Industry and Innovation"},{"issue":"6","key":"9705_CR111","doi-asserted-by":"publisher","first-page":"1712","DOI":"10.1080\/1540496X.2021.1923477","volume":"58","author":"Z Lu","year":"2022","unstructured":"Lu, Z., Wu, J., Li, H., & Nguyen, D. K. D. K. (2022). Local Bank, digital financial inclusion and SME financing constraints: Empirical evidence from China. Emerging Markets Finance and Trade, 58(6), 1712\u20131725. https:\/\/doi.org\/10.1080\/1540496X.2021.1923477","journal-title":"Emerging Markets Finance and Trade"},{"key":"9705_CR112","doi-asserted-by":"publisher","DOI":"10.1007\/s10490-021-09801-w","author":"SS Lui","year":"2022","unstructured":"Lui, S. S., Zhu, Z., & Liu, J. (2022). Success of crowdfunding: A trustworthiness perspective. Asia Pacific Journal of Management. https:\/\/doi.org\/10.1007\/s10490-021-09801-w","journal-title":"Asia Pacific Journal of Management"},{"key":"9705_CR113","doi-asserted-by":"publisher","first-page":"143","DOI":"10.1016\/j.jretconser.2016.08.004","volume":"33","author":"E Maier","year":"2016","unstructured":"Maier, E. (2016). Supply and demand on crowdlending platforms: Connecting small and medium-sized enterprise borrowers and consumer investors. Journal of Retailing and Consumer Services, 33, 143\u2013153. https:\/\/doi.org\/10.1016\/j.jretconser.2016.08.004","journal-title":"Journal of Retailing and Consumer Services"},{"issue":"4","key":"9705_CR114","doi-asserted-by":"publisher","first-page":"359","DOI":"10.1080\/0960085X.2021.1891004","volume":"30","author":"M Mandviwalla","year":"2021","unstructured":"Mandviwalla, M., & Flanagan, R. (2021). Small business digital transformation in the context of the pandemic. European Journal of Information Systems, 30(4), 359\u2013375. https:\/\/doi.org\/10.1080\/0960085X.2021.1891004","journal-title":"European Journal of Information Systems"},{"issue":"3","key":"9705_CR115","doi-asserted-by":"publisher","first-page":"1115","DOI":"10.1007\/s11187-021-00571-9","volume":"59","author":"A Miglo","year":"2022","unstructured":"Miglo, A. (2022). Crowdfunding and bank financing: Substitutes or complements? Small Business Economics, 59(3), 1115\u20131142. https:\/\/doi.org\/10.1007\/s11187-021-00571-9","journal-title":"Small Business Economics"},{"key":"9705_CR116","doi-asserted-by":"publisher","first-page":"100833","DOI":"10.1016\/j.elerap.2019.100833","volume":"34","author":"EZ Milian","year":"2019","unstructured":"Milian, E. Z., de Spinola, M. M., & de Carvalho, M. M. (2019). Fintechs: A literature review and research agenda. Electronic Commerce Research and Applications, 34, 100833.","journal-title":"Electronic Commerce Research and Applications"},{"key":"9705_CR117","doi-asserted-by":"publisher","first-page":"103863","DOI":"10.1016\/j.compind.2023.103863","volume":"147","author":"T Miller","year":"2023","unstructured":"Miller, T., Cao, S., Foth, M., Boyen, X., & Powell, W. (2023). An asset-backed decentralised finance instrument for food supply chains\u2014a case study from the livestock export industry. Computers in Industry, 147, 103863. https:\/\/doi.org\/10.1016\/j.compind.2023.103863","journal-title":"Computers in Industry"},{"key":"9705_CR118","unstructured":"Ministry of MSME. (n.d.). What\u2019s MSME. Government of India, Ministry of Micro, Small and Medium Enterprises. Retrieved February 22, 2023, from https:\/\/msme.gov.in\/know-about-msme"},{"key":"9705_CR119","unstructured":"Ministry of MSME. (2021). Annual Report 2020\u20132021. In Government of India, Ministry of Micro, small and medium enterprises. https:\/\/msme.gov.in\/sites\/default\/files\/MSME-ANNUAL-REPORT-ENGLISH 2020\u201321.pdf"},{"issue":"1","key":"9705_CR120","doi-asserted-by":"publisher","first-page":"74","DOI":"10.1080\/0960085X.2021.1978338","volume":"31","author":"V Mishra","year":"2022","unstructured":"Mishra, V., Walsh, I., & Srivastava, A. (2022). Merchants\u2019 adoption of mobile payment in emerging economies: The case of unorganised retailers in India. European Journal of Information Systems, 31(1), 74\u201390. https:\/\/doi.org\/10.1080\/0960085X.2021.1978338","journal-title":"European Journal of Information Systems"},{"issue":"1","key":"9705_CR121","doi-asserted-by":"publisher","first-page":"75","DOI":"10.1007\/s11187-018-0081-x","volume":"54","author":"K Mochkabadi","year":"2020","unstructured":"Mochkabadi, K., & Volkmann, C. K. (2020). Equity crowdfunding: A systematic review of the literature. Small Business Economics, 54(1), 75\u2013118. https:\/\/doi.org\/10.1007\/s11187-018-0081-x","journal-title":"Small Business Economics"},{"key":"9705_CR122","doi-asserted-by":"publisher","DOI":"10.1016\/J.JRETCONSER.2020.102364","author":"S Moghavvemi","year":"2021","unstructured":"Moghavvemi, S., Mei, T. X., Phoong, S. W., & Phoong, S. Y. (2021). Drivers and barriers of mobile payment adoption: Malaysian merchants\u2019 perspective. Journal of Retailing and Consumer Services. https:\/\/doi.org\/10.1016\/J.JRETCONSER.2020.102364","journal-title":"Journal of Retailing and Consumer Services"},{"issue":"5","key":"9705_CR123","doi-asserted-by":"publisher","first-page":"643","DOI":"10.1016\/j.jbusvent.2017.12.004","volume":"33","author":"TW Moss","year":"2018","unstructured":"Moss, T. W., Renko, M., Block, E., & Meyskens, M. (2018). Funding the story of hybrid ventures: Crowdfunder lending preferences and linguistic hybridity. Journal of Business Venturing, 33(5), 643\u2013659. https:\/\/doi.org\/10.1016\/j.jbusvent.2017.12.004","journal-title":"Journal of Business Venturing"},{"issue":"1","key":"9705_CR124","doi-asserted-by":"publisher","first-page":"27","DOI":"10.1111\/etap.12110","volume":"39","author":"TW Moss","year":"2015","unstructured":"Moss, T. W., Neubaum, D. O., & Meyskens, M. (2015). The effect of virtuous and entrepreneurial orientations on microfinance lending and repayment: A signaling theory perspective. Entrepreneurship Theory and Practice, 39(1), 27\u201352. https:\/\/doi.org\/10.1111\/etap.12110","journal-title":"Entrepreneurship Theory and Practice"},{"key":"9705_CR125","doi-asserted-by":"publisher","first-page":"101","DOI":"10.1016\/j.jbusres.2022.04.042","volume":"148","author":"D Mukherjee","year":"2022","unstructured":"Mukherjee, D., Lim, W. M., Kumar, S., & Donthu, N. (2022). Guidelines for advancing theory and practice through bibliometric research. Journal of Business Research, 148, 101\u2013115. https:\/\/doi.org\/10.1016\/j.jbusres.2022.04.042","journal-title":"Journal of Business Research"},{"issue":"2","key":"9705_CR126","doi-asserted-by":"publisher","first-page":"229","DOI":"10.1080\/02681102.2013.874320","volume":"21","author":"BJ Mwangi","year":"2015","unstructured":"Mwangi, B. J., & Brown, I. (2015). A decision model of Kenyan SMEs\u2019 consumer choice behavior in relation to registration for a mobile banking service: A contextual perspective. Information Technology for Development, 21(2), 229\u2013252. https:\/\/doi.org\/10.1080\/02681102.2013.874320","journal-title":"Information Technology for Development"},{"key":"9705_CR127","unstructured":"Nemoto, N., & Yoshino, N. (2019). Fintech for Asian SMEs. In Asian Development Bank Institute. ASIAN Development Bank. https:\/\/www.adb.org\/publications\/fintech-for-smes"},{"issue":"2","key":"9705_CR128","doi-asserted-by":"publisher","first-page":"192","DOI":"10.1111\/isj.12388","volume":"33","author":"E Ng","year":"2023","unstructured":"Ng, E., Tan, B., Sun, Y., & Meng, T. (2023). The strategic options of fintech platforms: An overview and research agenda. Information Systems Journal, 33(2), 192\u2013231. https:\/\/doi.org\/10.1111\/isj.12388","journal-title":"Information Systems Journal"},{"key":"9705_CR129","doi-asserted-by":"publisher","first-page":"101969","DOI":"10.1016\/j.pacfin.2023.101969","volume":"78","author":"Z Nie","year":"2023","unstructured":"Nie, Z., Ling, X., & Chen, M. (2023). The power of technology: FinTech and corporate debt default risk in China. Pacific-Basin Finance Journal, 78, 101969. https:\/\/doi.org\/10.1016\/j.pacfin.2023.101969","journal-title":"Pacific-Basin Finance Journal"},{"issue":"1","key":"9705_CR130","doi-asserted-by":"publisher","first-page":"85","DOI":"10.1111\/ijmr.12062","volume":"18","author":"CT Nolan","year":"2016","unstructured":"Nolan, C. T., & Garavan, T. N. (2016). Human resource development in SMEs: A systematic review of the literature. International Journal of Management Reviews, 18(1), 85\u2013107. https:\/\/doi.org\/10.1111\/ijmr.12062","journal-title":"International Journal of Management Reviews"},{"issue":"2","key":"9705_CR131","doi-asserted-by":"publisher","first-page":"318","DOI":"10.1111\/coep.12252","volume":"36","author":"A Nowak","year":"2018","unstructured":"Nowak, A., Ross, A., & Yencha, C. (2018). Small business borrowing and peer-to-peer lending: Evidence from lending club. Contemporary Economic Policy, 36(2), 318\u2013336. https:\/\/doi.org\/10.1111\/coep.12252","journal-title":"Contemporary Economic Policy"},{"issue":"3","key":"9705_CR132","doi-asserted-by":"publisher","first-page":"539","DOI":"10.1108\/IJEBR-11-2018-0727","volume":"26","author":"J O\u2019Toole","year":"2020","unstructured":"O\u2019Toole, J., & Ciuchta, M. P. (2020). The liability of newer than newness: Aspiring entrepreneurs and legitimacy. International Journal of Entrepreneurial Behavior & Research, 26(3), 539\u2013558. https:\/\/doi.org\/10.1108\/IJEBR-11-2018-0727","journal-title":"International Journal of Entrepreneurial Behavior & Research"},{"key":"9705_CR133","unstructured":"OECD. (2022a). Indonesia. In Financing SMEs and entrepreneurs 2022: An OECD Scoreboard. OECD Publishing. https:\/\/www.oecd-ilibrary.org\/sites\/13753156-en\/index.html?itemId=\/content\/component\/13753156-en"},{"key":"9705_CR134","doi-asserted-by":"publisher","unstructured":"OECD. (2022b). Malaysia. In Financing SMEs and entrepreneurs 2022: An OECD scoreboard. OECD Publishing. Berlin https:\/\/doi.org\/10.1787\/3bc2915c-en","DOI":"10.1787\/3bc2915c-en"},{"key":"9705_CR135","unstructured":"Onyango, S. (2022, May 4). Africa accounts for 70% of the world\u2019s $1 trillion mobile money market. https:\/\/qz.com\/africa\/2161960\/gsma-70-percent-of-the-worlds-1-trillion-mobile-money-market-is-in-africa"},{"issue":"3","key":"9705_CR136","doi-asserted-by":"publisher","first-page":"607","DOI":"10.1007\/s10796-020-09982-7","volume":"22","author":"A Pal","year":"2020","unstructured":"Pal, A., De\u2019, R., & Herath, T. (2020). The role of mobile payment technology in sustainable and human-centric development: Evidence from the post-demonetization period in India. Information Systems Frontiers, 22(3), 607\u2013631. https:\/\/doi.org\/10.1007\/s10796-020-09982-7","journal-title":"Information Systems Frontiers"},{"key":"9705_CR137","doi-asserted-by":"publisher","first-page":"119779","DOI":"10.1016\/j.techfore.2019.119779","volume":"151","author":"M Palmi\u00e9","year":"2020","unstructured":"Palmi\u00e9, M., Wincent, J., Parida, V., & Caglar, U. (2020). The evolution of the financial technology ecosystem: An introduction and agenda for future research on disruptive innovations in ecosystems. Technological Forecasting and Social Change, 151, 119779. https:\/\/doi.org\/10.1016\/j.techfore.2019.119779","journal-title":"Technological Forecasting and Social Change"},{"issue":"4","key":"9705_CR138","doi-asserted-by":"publisher","first-page":"O1","DOI":"10.1111\/ijcs.12695","volume":"45","author":"J Paul","year":"2021","unstructured":"Paul, J., Lim, W. M., O\u2019Cass, A., Hao, A. W., & Bresciani, S. (2021). Scientific procedures and rationales for systematic literature reviews (SPAR-4-SLR). International Journal of Consumer Studies, 45(4), O1\u2013O16. https:\/\/doi.org\/10.1111\/ijcs.12695","journal-title":"International Journal of Consumer Studies"},{"key":"9705_CR139","doi-asserted-by":"publisher","DOI":"10.1016\/j.ijinfomgt.2020.102138","author":"S Pengnate","year":"2020","unstructured":"Pengnate, S., & Riggins, F. J. (2020). The role of emotion in P2P microfinance funding: A sentiment analysis approach. International Journal of Information Management. https:\/\/doi.org\/10.1016\/j.ijinfomgt.2020.102138","journal-title":"International Journal of Information Management"},{"key":"9705_CR140","doi-asserted-by":"publisher","first-page":"125217","DOI":"10.1016\/j.jclepro.2020.125217","volume":"281","author":"S Pizzi","year":"2021","unstructured":"Pizzi, S., Corbo, L., & Caputo, A. (2021). Fintech and SMEs sustainable business models: Reflections and considerations for a circular economy. Journal of Cleaner Production, 281, 125217. https:\/\/doi.org\/10.1016\/j.jclepro.2020.125217","journal-title":"Journal of Cleaner Production"},{"issue":"4","key":"9705_CR141","doi-asserted-by":"publisher","first-page":"508","DOI":"10.1080\/17530350.2022.2058058","volume":"15","author":"A Pollio","year":"2022","unstructured":"Pollio, A., & Cirolia, L. R. (2022). Fintech urbanism in the startup capital of Africa. Journal of Cultural Economy, 15(4), 508\u2013523. https:\/\/doi.org\/10.1080\/17530350.2022.2058058","journal-title":"Journal of Cultural Economy"},{"issue":"2","key":"9705_CR142","doi-asserted-by":"publisher","first-page":"351","DOI":"10.1111\/joms.12549","volume":"57","author":"C Post","year":"2020","unstructured":"Post, C., Sarala, R., Gatrell, C., & Prescott, J. E. (2020). Advancing Theory with Review Articles. Journal of Management Studies, 57(2), 351\u2013376. https:\/\/doi.org\/10.1111\/joms.12549","journal-title":"Journal of Management Studies"},{"issue":"1","key":"9705_CR143","doi-asserted-by":"publisher","first-page":"69","DOI":"10.1007\/s12599-017-0464-6","volume":"59","author":"T Puschmann","year":"2017","unstructured":"Puschmann, T. (2017). Fintech. Business & Information. Systems Engineering, 59(1), 69\u201376. https:\/\/doi.org\/10.1007\/s12599-017-0464-6","journal-title":"Systems Engineering"},{"key":"9705_CR144","doi-asserted-by":"publisher","first-page":"101872","DOI":"10.1016\/J.CHIECO.2022.101872","volume":"76","author":"X Qin","year":"2022","unstructured":"Qin, X., Wu, H., & Li, R. (2022). Digital finance and household carbon emissions in China. China Economic Review, 76, 101872. https:\/\/doi.org\/10.1016\/J.CHIECO.2022.101872","journal-title":"China Economic Review"},{"key":"9705_CR145","doi-asserted-by":"publisher","DOI":"10.1007\/s10660-022-09657-2","author":"B Ramtiyal","year":"2022","unstructured":"Ramtiyal, B., Verma, D., & Rathore, A. S. (2022). Role of risk perception and situational factors in mobile payment adoption among small vendors in unorganised retail. Electronic Commerce Research. https:\/\/doi.org\/10.1007\/s10660-022-09657-2","journal-title":"Electronic Commerce Research"},{"key":"9705_CR146","doi-asserted-by":"publisher","DOI":"10.1080\/00472778.2021.1955123","author":"P Rao","year":"2021","unstructured":"Rao, P., Kumar, S., Chavan, M., & Lim, W. M. (2021). A systematic literature review on SME financing: Trends and future directions. Journal of Small Business Management. https:\/\/doi.org\/10.1080\/00472778.2021.1955123","journal-title":"Journal of Small Business Management"},{"key":"9705_CR147","unstructured":"Reserve Bank of India. (2020, December 23). Reserve Bank of India\u2014Press Releases. https:\/\/rbi.org.in\/Scripts\/BS_PressReleaseDisplay.aspx?prid=50846"},{"key":"9705_CR148","doi-asserted-by":"publisher","DOI":"10.1007\/s10479-022-04623-5","author":"R Reza-Gharehbagh","year":"2022","unstructured":"Reza-Gharehbagh, R., Arisian, S., Hafezalkotob, A., & Makui, A. (2022). Sustainable supply chain finance through digital platforms: A pathway to green entrepreneurship. Annals of Operations Research. https:\/\/doi.org\/10.1007\/s10479-022-04623-5","journal-title":"Annals of Operations Research"},{"key":"9705_CR149","doi-asserted-by":"publisher","first-page":"102298","DOI":"10.1016\/j.tre.2021.102298","volume":"149","author":"R Reza-Gharehbagh","year":"2021","unstructured":"Reza-Gharehbagh, R., Asian, S., Hafezalkotob, A., & Wei, C. (2021). Reframing supply chain finance in an era of reglobalization: On the value of multi-sided crowdfunding platforms. Transportation Research Part E Logistics and Transportation Review, 149, 102298. https:\/\/doi.org\/10.1016\/j.tre.2021.102298","journal-title":"Transportation Research Part E Logistics and Transportation Review"},{"key":"9705_CR150","doi-asserted-by":"publisher","DOI":"10.7312\/roge17544","volume-title":"The digital transformation playbook: Rethink your business for the digital age","author":"DL Rogers","year":"2016","unstructured":"Rogers, D. L. (2016). The digital transformation playbook: Rethink your business for the digital age. New York: Columbia University Press."},{"key":"9705_CR151","doi-asserted-by":"publisher","first-page":"483","DOI":"10.1016\/j.jbusres.2019.09.026","volume":"125","author":"A Sahaym","year":"2021","unstructured":"Sahaym, A., Datta, A., & Brooks, S. (2021). Crowdfunding success through social media: Going beyond entrepreneurial orientation in the context of small and medium-sized enterprises. Journal of Business Research, 125, 483\u2013494. https:\/\/doi.org\/10.1016\/j.jbusres.2019.09.026","journal-title":"Journal of Business Research"},{"issue":"2","key":"9705_CR152","doi-asserted-by":"publisher","first-page":"351","DOI":"10.1080\/1540496X.2019.1605595","volume":"56","author":"W Santoso","year":"2020","unstructured":"Santoso, W., Trinugroho, I., & Risfandy, T. (2020). What determine loan rate and Default Status in Financial Technology online direct lending? Evidence from Indonesia. Emerging Markets Finance and Trade, 56(2), 351\u2013369. https:\/\/doi.org\/10.1080\/1540496X.2019.1605595","journal-title":"Emerging Markets Finance and Trade"},{"key":"9705_CR153","unstructured":"SBA\u2019s Office of Advocacy. (2021). 2021 Small Business Profiles For The States, The District of Columbia, and The U.S. United States Small Business Administration. https:\/\/advocacy.sba.gov\/2021\/08\/30\/2021-small-business-profiles-for-the-states-the-district-of-columbia-and-the-u-s"},{"key":"9705_CR154","unstructured":"Senyard, Julienne;, Baker, T., & Davidsson, P. (2009). Entrepreneurial bricolage: Towards systematic empirical testing. Frontiers of Entrepreneurship Research, 29(5). http:\/\/digitalknowledge.babson.edu\/fer\/vol29\/iss5\/5"},{"issue":"2","key":"9705_CR155","doi-asserted-by":"publisher","first-page":"211","DOI":"10.1111\/JPIM.12091","volume":"31","author":"J Senyard","year":"2014","unstructured":"Senyard, J., Baker, T., Steffens, P., & Davidsson, P. (2014). Bricolage as a path to innovativeness for resource-constrained new firms. Journal of Product Innovation Management, 31(2), 211\u2013230. https:\/\/doi.org\/10.1111\/JPIM.12091","journal-title":"Journal of Product Innovation Management"},{"issue":"1","key":"9705_CR156","doi-asserted-by":"publisher","first-page":"154","DOI":"10.1111\/ISJ.12403","volume":"33","author":"PK Senyo","year":"2023","unstructured":"Senyo, P. K., Gozman, D., Karanasios, S., Dacre, N., & Baba, M. (2023). Moving away from trading on the margins: Economic empowerment of informal businesses through FinTech. Information Systems Journal, 33(1), 154\u2013184. https:\/\/doi.org\/10.1111\/ISJ.12403","journal-title":"Information Systems Journal"},{"issue":"1","key":"9705_CR157","doi-asserted-by":"publisher","first-page":"112","DOI":"10.1080\/0960085X.2021.1978342","volume":"31","author":"PK Senyo","year":"2022","unstructured":"Senyo, P. K., Karanasios, S., Gozman, D., & Baba, M. (2022). FinTech ecosystem practices shaping financial inclusion: The case of mobile money in Ghana. European Journal of Information Systems, 31(1), 112\u2013127. https:\/\/doi.org\/10.1080\/0960085X.2021.1978342","journal-title":"European Journal of Information Systems"},{"key":"9705_CR158","doi-asserted-by":"publisher","first-page":"101558","DOI":"10.1016\/j.frl.2020.101558","volume":"39","author":"T Sheng","year":"2021","unstructured":"Sheng, T. (2021). The effect of fintech on banks\u2019 credit provision to SMEs: Evidence from China. Finance Research Letters, 39, 101558. https:\/\/doi.org\/10.1016\/j.frl.2020.101558","journal-title":"Finance Research Letters"},{"key":"9705_CR159","doi-asserted-by":"publisher","first-page":"747","DOI":"10.1146\/ANNUREV-PSYCH-010418-102803","volume":"70","author":"AP Siddaway","year":"2019","unstructured":"Siddaway, A. P., Wood, A. M., & Hedges, L. V. (2019). How to do a systematic review: A best practice guide for conducting and reporting narrative reviews, meta-analyses, and meta-syntheses. Annual Review of Psychology, 70, 747\u2013770. https:\/\/doi.org\/10.1146\/ANNUREV-PSYCH-010418-102803","journal-title":"Annual Review of Psychology"},{"key":"9705_CR160","doi-asserted-by":"publisher","DOI":"10.1016\/j.jretconser.2019.101894","author":"N Singh","year":"2020","unstructured":"Singh, N., & Sinha, N. (2020). How perceived trust mediates merchant\u2019s intention to use a mobile wallet technology. Journal of Retailing and Consumer Services. https:\/\/doi.org\/10.1016\/j.jretconser.2019.101894","journal-title":"Journal of Retailing and Consumer Services"},{"key":"9705_CR161","doi-asserted-by":"publisher","first-page":"121686","DOI":"10.1016\/J.TECHFORE.2022.121686","volume":"180","author":"G Soni","year":"2022","unstructured":"Soni, G., Kumar, S., Mahto, R. V., Mangla, S. K., Mittal, M. L., & Lim, W. M. (2022). A decision-making framework for Industry 4.0 technology implementation: The case of FinTech and sustainable supply chain finance for SMEs. Technological Forecasting and Social Change, 180, 121686. https:\/\/doi.org\/10.1016\/J.TECHFORE.2022.121686","journal-title":"Technological Forecasting and Social Change"},{"issue":"4","key":"9705_CR162","doi-asserted-by":"publisher","first-page":"934","DOI":"10.1111\/ijmr.12171","volume":"20","author":"V Soundararajan","year":"2018","unstructured":"Soundararajan, V., Jamali, D., & Spence, L. J. (2018). Small business social responsibility: A critical multilevel review, synthesis and research agenda. International Journal of Management Reviews, 20(4), 934\u2013956. https:\/\/doi.org\/10.1111\/ijmr.12171","journal-title":"International Journal of Management Reviews"},{"issue":"2","key":"9705_CR163","doi-asserted-by":"publisher","first-page":"500","DOI":"10.1111\/ijmr.12143","volume":"20","author":"B Stumbitz","year":"2018","unstructured":"Stumbitz, B., Lewis, S., & Rouse, J. (2018). Maternity management in SMEs: A transdisciplinary review and research agenda. International Journal of Management Reviews, 20(2), 500\u2013522. https:\/\/doi.org\/10.1111\/ijmr.12143","journal-title":"International Journal of Management Reviews"},{"key":"9705_CR164","doi-asserted-by":"publisher","DOI":"10.1007\/s10479-022-04648-w","author":"AA Taleizadeh","year":"2022","unstructured":"Taleizadeh, A. A., Safaei, A. Z., Bhattacharya, A., & Amjadian, A. (2022). Online peer-to-peer lending platform and supply chain finance decisions and strategies. Annals of Operations Research. https:\/\/doi.org\/10.1007\/s10479-022-04648-w","journal-title":"Annals of Operations Research"},{"key":"9705_CR165","doi-asserted-by":"publisher","first-page":"100833","DOI":"10.1016\/j.jfi.2019.100833","volume":"41","author":"AV Thakor","year":"2020","unstructured":"Thakor, A. V. (2020). Fintech and banking: What do we know? Journal of Financial Intermediation, 41, 100833. https:\/\/doi.org\/10.1016\/j.jfi.2019.100833","journal-title":"Journal of Financial Intermediation"},{"key":"9705_CR166","unstructured":"The payments association. (2020, October 12). Fintech: The history and future of financial technology. https:\/\/thepaymentsassociation.org\/article\/fintech-the-history-and-future-of-financial-technology\/"},{"issue":"3","key":"9705_CR167","doi-asserted-by":"publisher","first-page":"207","DOI":"10.1111\/1467-8551.00375","volume":"14","author":"D Tranfield","year":"2003","unstructured":"Tranfield, D., Denyer, D., & Smart, P. (2003). Towards a methodology for developing evidence-informed management knowledge by means of systematic review. British Journal of Management, 14(3), 207\u2013222. https:\/\/doi.org\/10.1111\/1467-8551.00375","journal-title":"British Journal of Management"},{"key":"9705_CR168","doi-asserted-by":"publisher","first-page":"102156","DOI":"10.1016\/j.frl.2021.102156","volume":"45","author":"I Trinugroho","year":"2022","unstructured":"Trinugroho, I., Pamungkas, P., Wiwoho, J., Damayanti, S. M., & Pramono, T. (2022). Adoption of digital technologies for micro and small business in Indonesia. Finance Research Letters, 45, 102156. https:\/\/doi.org\/10.1016\/j.frl.2021.102156","journal-title":"Finance Research Letters"},{"issue":"2","key":"9705_CR169","doi-asserted-by":"publisher","first-page":"240","DOI":"10.1080\/10696679.2021.1925920","volume":"30","author":"SN Tripathi","year":"2022","unstructured":"Tripathi, S. N., Srivastava, S., & Vishnani, S. (2022). Mobile wallets: Achieving intention to recommend by brick and mortar retailers. Journal of Marketing Theory and Practice, 30(2), 240\u2013256. https:\/\/doi.org\/10.1080\/10696679.2021.1925920","journal-title":"Journal of Marketing Theory and Practice"},{"issue":"5","key":"9705_CR170","doi-asserted-by":"publisher","first-page":"995","DOI":"10.1108\/MD-10-2019-1431","volume":"59","author":"C Troise","year":"2021","unstructured":"Troise, C., & Tani, M. (2021). Exploring entrepreneurial characteristics, motivations and behaviours in equity crowdfunding: Some evidence from Italy. Management Decision, 59(5), 995\u20131024. https:\/\/doi.org\/10.1108\/MD-10-2019-1431","journal-title":"Management Decision"},{"key":"9705_CR171","unstructured":"United Nations. (n.d.). Micro-, Small and Medium-sized Enterprises Day. United Nations. Retrieved February 22, 2023, from https:\/\/www.un.org\/en\/observances\/micro-small-medium-businesses-day"},{"issue":"9","key":"9705_CR172","doi-asserted-by":"publisher","first-page":"2648","DOI":"10.1016\/J.JBANKFIN.2006.09.011","volume":"31","author":"E Vos","year":"2007","unstructured":"Vos, E., Yeh, A. J. Y., Carter, S., & Tagg, S. (2007). The happy story of small business financing. Journal of Banking & Finance, 31(9), 2648\u20132672. https:\/\/doi.org\/10.1016\/J.JBANKFIN.2006.09.011","journal-title":"Journal of Banking & Finance"},{"issue":"1","key":"9705_CR173","doi-asserted-by":"publisher","first-page":"380","DOI":"10.1016\/j.ejor.2021.05.054","volume":"297","author":"C Wang","year":"2022","unstructured":"Wang, C., Chen, X., Jin, W., & Fan, X. (2022). Credit guarantee types for financing retailers through online peer-to-peer lending: Equilibrium and coordinating strategy. European Journal of Operational Research, 297(1), 380\u2013392. https:\/\/doi.org\/10.1016\/j.ejor.2021.05.054","journal-title":"European Journal of Operational Research"},{"key":"9705_CR174","doi-asserted-by":"publisher","first-page":"120088","DOI":"10.1016\/j.techfore.2020.120088","volume":"157","author":"J Wang","year":"2020","unstructured":"Wang, J., & Lai, J.-Y. (2020). Exploring innovation diffusion of two-sided mobile payment platforms: A system dynamics approach. Technological Forecasting and Social Change, 157, 120088. https:\/\/doi.org\/10.1016\/j.techfore.2020.120088","journal-title":"Technological Forecasting and Social Change"},{"issue":"2","key":"9705_CR175","doi-asserted-by":"publisher","first-page":"103591","DOI":"10.1016\/j.im.2022.103591","volume":"59","author":"W Wang","year":"2022","unstructured":"Wang, W., Xu, Y., Wu, Y. J., & Goh, M. (2022). Linguistic understandability, signal observability, funding opportunities, and crowdfunding campaigns. Information & Management, 59(2), 103591. https:\/\/doi.org\/10.1016\/j.im.2022.103591","journal-title":"Information & Management"},{"key":"9705_CR176","doi-asserted-by":"publisher","first-page":"103201","DOI":"10.1016\/j.resourpol.2022.103201","volume":"80","author":"W Wang","year":"2023","unstructured":"Wang, W., Gao, P., & Wang, J. (2023). Nexus among digital inclusive finance and carbon neutrality: Evidence from company-level panel data analysis. Resources Policy, 80, 103201. https:\/\/doi.org\/10.1016\/j.resourpol.2022.103201","journal-title":"Resources Policy"},{"key":"9705_CR177","doi-asserted-by":"publisher","DOI":"10.1007\/s11187-022-00690-x","author":"Y Wang","year":"2022","unstructured":"Wang, Y., Li, Y., Wu, J., Ling, L., & Long, D. (2022). Does digitalization sufficiently empower female entrepreneurs? Evidence from their online gender identities and crowdfunding performance. Small Business Economics. https:\/\/doi.org\/10.1007\/s11187-022-00690-x","journal-title":"Small Business Economics"},{"key":"9705_CR178","unstructured":"Windmill. (n.d.). All About Fintech: History, Development, and Future. Retrieved February 22, 2023, from https:\/\/www.windmill.digital\/all-about-fintech-history-development-and-future\/"},{"key":"9705_CR179","unstructured":"World Bank. (n.d.). Improving SMEs\u2019 access to finance and finding innovative solutions to unlock sources of capital. Retrieved February 22, 2023, from https:\/\/www.worldbank.org\/en\/topic\/smefinance"},{"key":"9705_CR180","doi-asserted-by":"publisher","DOI":"10.1080\/00036846.2023.2169243","author":"G Wu","year":"2023","unstructured":"Wu, G., Luo, J., & Tao, K. (2023). Research on the influence of FinTech development on credit supply of commercial banks: the case of China. Applied Economics. https:\/\/doi.org\/10.1080\/00036846.2023.2169243","journal-title":"Applied Economics"},{"key":"9705_CR181","doi-asserted-by":"publisher","first-page":"106158","DOI":"10.1016\/j.eneco.2022.106158","volume":"112","author":"Y Wu","year":"2022","unstructured":"Wu, Y., & Huang, S. (2022). The effects of digital finance and financial constraint on financial performance: Firm-level evidence from China\u2019s new energy enterprises. Energy Economics, 112, 106158. https:\/\/doi.org\/10.1016\/j.eneco.2022.106158","journal-title":"Energy Economics"},{"key":"9705_CR182","doi-asserted-by":"publisher","first-page":"101791","DOI":"10.1016\/j.pacfin.2022.101791","volume":"74","author":"Y Xia","year":"2022","unstructured":"Xia, Y., Qiao, Z., & Xie, G. (2022). Corporate resilience to the COVID-19 pandemic: The role of digital finance. Pacific-Basin Finance Journal, 74, 101791. https:\/\/doi.org\/10.1016\/j.pacfin.2022.101791","journal-title":"Pacific-Basin Finance Journal"},{"issue":"1","key":"9705_CR183","doi-asserted-by":"publisher","first-page":"138","DOI":"10.1016\/j.ejor.2019.10.046","volume":"283","author":"N Yan","year":"2020","unstructured":"Yan, N., Liu, Y., Xu, X., & He, X. (2020). Strategic dual-channel pricing games with e-retailer finance. European Journal of Operational Research, 283(1), 138\u2013151. https:\/\/doi.org\/10.1016\/j.ejor.2019.10.046","journal-title":"European Journal of Operational Research"},{"issue":"17","key":"9705_CR184","doi-asserted-by":"publisher","first-page":"107834","DOI":"10.1016\/j.ijpe.2020.107834","volume":"231","author":"N Yan","year":"2021","unstructured":"Yan, N., Zhang, Y., Xu, X., & Gao, Y. (2021). Online finance with dual channels and bidirectional free-riding effect. International Journal of Production Economics, 231(17), 107834. https:\/\/doi.org\/10.1016\/j.ijpe.2020.107834","journal-title":"International Journal of Production Economics"},{"key":"9705_CR185","doi-asserted-by":"publisher","DOI":"10.1007\/s10660-023-09672-x","author":"Q Yan","year":"2023","unstructured":"Yan, Q., Zhuo, W., & Yu, C. (2023). Online retailer\u2019s optimal financing strategy in an online marketplace. Electronic Commerce Research. https:\/\/doi.org\/10.1007\/s10660-023-09672-x","journal-title":"Electronic Commerce Research"},{"key":"9705_CR186","doi-asserted-by":"publisher","first-page":"101800","DOI":"10.1016\/j.najef.2022.101800","volume":"63","author":"X Yang","year":"2022","unstructured":"Yang, X., Huang, Y., & Gao, M. (2022). Can digital financial inclusion promote female entrepreneurship? Evidence and mechanisms. The North American Journal of Economics and Finance, 63, 101800. https:\/\/doi.org\/10.1016\/j.najef.2022.101800","journal-title":"The North American Journal of Economics and Finance"},{"issue":"10","key":"9705_CR187","doi-asserted-by":"publisher","first-page":"2851","DOI":"10.1080\/1540496X.2021.2013194","volume":"58","author":"B Ye","year":"2022","unstructured":"Ye, B., Yuan, J., & Guan, Y. (2022). Internet finance, financing of small and micro enterprises and the macroeconomy. Emerging Markets Finance and Trade, 58(10), 2851\u20132866. https:\/\/doi.org\/10.1080\/1540496X.2021.2013194","journal-title":"Emerging Markets Finance and Trade"},{"key":"9705_CR188","unstructured":"Yoshino, N., & Hesary, F. T. (2018). The roles of SMEs in Asia and their difficulty in assessing finance. In ADBI Working Paper (Vol, 1(911), pp. 1\u201352). https:\/\/www.adb.org\/publications\/role-smes-asia-and-their-difficulties-accessing-finance"},{"issue":"2","key":"9705_CR189","doi-asserted-by":"publisher","first-page":"296","DOI":"10.1080\/1540496X.2022.2099268","volume":"59","author":"D Yuhui","year":"2023","unstructured":"Yuhui, D., & Zhang, L. (2023). Regional digital finance and corporate financial risk: Based on chinese listed companies. Emerging Markets Finance and Trade, 59(2), 296\u2013311. https:\/\/doi.org\/10.1080\/1540496X.2022.2099268","journal-title":"Emerging Markets Finance and Trade"},{"issue":"4","key":"9705_CR190","doi-asserted-by":"publisher","first-page":"427","DOI":"10.1111\/ijmr.12238","volume":"22","author":"N Zahoor","year":"2020","unstructured":"Zahoor, N., Al-Tabbaa, O., Khan, Z., & Wood, G. (2020). Collaboration and Internationalization of SMEs: Insights and recommendations from a systematic review. International Journal of Management Reviews, 22(4), 427\u2013456. https:\/\/doi.org\/10.1111\/ijmr.12238","journal-title":"International Journal of Management Reviews"},{"key":"9705_CR191","doi-asserted-by":"publisher","DOI":"10.1080\/1540496X.2022.2072201","author":"Y Zhang","year":"2022","unstructured":"Zhang, Y., Xing, C., & Guo, X. (2022). The shielding effect of access to finance on small and medium-sized enterprises during the COVID-19 crisis: Comparing fintech and traditional finance. Emerging Markets Finance and Trade. https:\/\/doi.org\/10.1080\/1540496X.2022.2072201","journal-title":"Emerging Markets Finance and Trade"}],"container-title":["Electronic Commerce Research"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s10660-023-09705-5.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/article\/10.1007\/s10660-023-09705-5\/fulltext.html","content-type":"text\/html","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s10660-023-09705-5.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,4,9]],"date-time":"2025-04-09T16:03:43Z","timestamp":1744214623000},"score":1,"resource":{"primary":{"URL":"https:\/\/link.springer.com\/10.1007\/s10660-023-09705-5"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2023,5,11]]},"references-count":191,"journal-issue":{"issue":"1","published-print":{"date-parts":[[2024,3]]}},"alternative-id":["9705"],"URL":"https:\/\/doi.org\/10.1007\/s10660-023-09705-5","relation":{},"ISSN":["1389-5753","1572-9362"],"issn-type":[{"value":"1389-5753","type":"print"},{"value":"1572-9362","type":"electronic"}],"subject":[],"published":{"date-parts":[[2023,5,11]]},"assertion":[{"value":"24 April 2023","order":1,"name":"accepted","label":"Accepted","group":{"name":"ArticleHistory","label":"Article History"}},{"value":"11 May 2023","order":2,"name":"first_online","label":"First Online","group":{"name":"ArticleHistory","label":"Article History"}},{"order":1,"name":"Ethics","group":{"name":"EthicsHeading","label":"Declarations"}},{"value":"No potential conflict of interest was reported by the authors.","order":2,"name":"Ethics","group":{"name":"EthicsHeading","label":"Conflict of interest"}}]}}