{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,6,22]],"date-time":"2026-06-22T12:56:22Z","timestamp":1782132982879,"version":"3.54.5"},"reference-count":79,"publisher":"Springer Science and Business Media LLC","issue":"6","license":[{"start":{"date-parts":[[2026,4,24]],"date-time":"2026-04-24T00:00:00Z","timestamp":1776988800000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.springernature.com\/gp\/researchers\/text-and-data-mining"},{"start":{"date-parts":[[2026,4,24]],"date-time":"2026-04-24T00:00:00Z","timestamp":1776988800000},"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":["Int J Syst Assur Eng Manag"],"published-print":{"date-parts":[[2026,6]]},"DOI":"10.1007\/s13198-026-03177-0","type":"journal-article","created":{"date-parts":[[2026,4,24]],"date-time":"2026-04-24T09:48:41Z","timestamp":1777024121000},"page":"1742-1757","update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":0,"title":["Navigating financial hurdles: identifying and analysing barriers in micro, small, and medium enterprises (MSMEs) financial inaccessibility through public equity"],"prefix":"10.1007","volume":"17","author":[{"given":"Vikrant Vikram","family":"Singh","sequence":"first","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Chandan Kumar","family":"Tiwari","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Mohd. Abass","family":"Bhat","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-0627-3600","authenticated-orcid":false,"given":"Aditya Kumar","family":"Gupta","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Abhinav","family":"Pal","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"P. K.","family":"Kapur","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"297","published-online":{"date-parts":[[2026,4,24]]},"reference":[{"issue":"6","key":"3177_CR1","doi-asserted-by":"publisher","first-page":"925","DOI":"10.13189\/ujaf.2022.100602","volume":"10","author":"M Abdullahi","year":"2022","unstructured":"Abdullahi M, Gupta Y (2022) Financing agriculture in Nigeria: a comparative review of roles played by private, public, and international financial institutions and agencies. Univ J Acc Finance 10(6):925\u2013937. https:\/\/doi.org\/10.13189\/ujaf.2022.100602","journal-title":"Univ J Acc Finance"},{"key":"3177_CR2","doi-asserted-by":"publisher","DOI":"10.2904\/ijebar.v4i03.1280","author":"T Afkar","year":"2020","unstructured":"Afkar T, Miradji M, Fauziyah F (2020) Mediation of profit sharing to develop MSMEs with Mudharabah capitalization schemes. Int J Econ Bus Acc Res. https:\/\/doi.org\/10.2904\/ijebar.v4i03.1280","journal-title":"Int J Econ Bus Acc Res"},{"key":"3177_CR3","doi-asserted-by":"publisher","unstructured":"Agarwal A, Kaul M, Chandra S, Singh S, Gupta AK (2023) The influence of fair treatment in the workplace on employee diligence and corporate social responsibility: A viewpoint from the banking industry. In: 2023 3rd international conference on innovative practices in technology and management (ICIPTM). IEEE. https:\/\/doi.org\/10.1109\/ICIPTM57143.2023.10117946","DOI":"10.1109\/ICIPTM57143.2023.10117946"},{"issue":"4","key":"3177_CR4","doi-asserted-by":"publisher","first-page":"972","DOI":"10.1108\/JFRA-12-2021-0453","volume":"22","author":"H Al Amosh","year":"2024","unstructured":"Al Amosh H, Khatib SFA, Alkurdi A, Bazhair AH (2024) Capital structure decisions and environmental, social and governance performance: insights from Jordan. J Financ Rep Acc 22(4):972\u2013989","journal-title":"J Financ Rep Acc"},{"issue":"3","key":"3177_CR5","first-page":"141","volume":"9","author":"ST Alain","year":"2018","unstructured":"Alain ST, Mbatina NN, Zelezny-Green R (2018) Financial accessibility and private investment in developing countries. Int J Innov Sci Res Technol 9(3):141\u2013150","journal-title":"Int J Innov Sci Res Technol"},{"key":"3177_CR6","doi-asserted-by":"crossref","unstructured":"Almansour BY, Elkrghli S, Almansour AY (2023) Behavioral finance factors and investment decisions: A mediating role of risk perception. Cogent Econ Finance 11(2)","DOI":"10.1080\/23322039.2023.2239032"},{"issue":"1","key":"3177_CR7","doi-asserted-by":"publisher","first-page":"88","DOI":"10.1108\/JABS-10-2019-0305","volume":"15","author":"N Arora","year":"2020","unstructured":"Arora N, Singh B (2020a) The long-run performance of SME IPOs in India: empirical evidence from the Indian stock market. J Asia Bus Stud 15(1):88\u2013109. https:\/\/doi.org\/10.1108\/JABS-10-2019-0305","journal-title":"J Asia Bus Stud"},{"issue":"1","key":"3177_CR8","doi-asserted-by":"publisher","first-page":"88","DOI":"10.1108\/JABS-10-2019-0305","volume":"15","author":"N Arora","year":"2020","unstructured":"Arora N, Singh B (2020b) The long-run performance of SME IPOs in India: empirical evidence from the Indian stock market. J Asia Bus Stud 15(1):88\u2013109","journal-title":"J Asia Bus Stud"},{"issue":"13","key":"3177_CR9","doi-asserted-by":"publisher","first-page":"1","DOI":"10.1108\/MD-05-2023-0734","volume":"63","author":"M Balzano","year":"2025","unstructured":"Balzano M, Marzi G, Turzo T (2025) SMEs and institutional theory: major inroads and opportunities ahead. Manag Decis 63(13):1\u201327. https:\/\/doi.org\/10.1108\/MD-05-2023-0734","journal-title":"Manag Decis"},{"issue":"5","key":"3177_CR10","doi-asserted-by":"publisher","DOI":"10.31893\/multiscience.2024068","volume":"6","author":"A Berisha","year":"2023","unstructured":"Berisha A (2023) An empirical study on micro, small, and medium enterprises\u2019 access to finance in Kosovo: a survey-based analysis. Multidiscip Sci J 6(5):2024068. https:\/\/doi.org\/10.31893\/multiscience.2024068","journal-title":"Multidiscip Sci J"},{"key":"3177_CR11","doi-asserted-by":"publisher","DOI":"10.1108\/MSAR-09-2022-0043","author":"MA Bhat","year":"2023","unstructured":"Bhat MA, Khan ST (2023) Determinants of accounting students\u2019 decision to pursue career as ACCA-certified accountants: a case study of Omani students. Manag Sustain Arab Rev. https:\/\/doi.org\/10.1108\/MSAR-09-2022-0043","journal-title":"Manag Sustain Arab Rev"},{"key":"3177_CR12","doi-asserted-by":"publisher","DOI":"10.1108\/JIABR-07-2023-0220","author":"MA Bhat","year":"2024","unstructured":"Bhat MA, Khan ST, Al Balushi YMZ, Wedajo AD, Haseeb M (2024a) The digital frontier of Islamic tax compliance: unveiling the influence of ICT as a moderator. J Islam Acc Bus Res. https:\/\/doi.org\/10.1108\/JIABR-07-2023-0220","journal-title":"J Islam Acc Bus Res"},{"key":"3177_CR13","doi-asserted-by":"publisher","DOI":"10.1108\/GKMC-02-2024-0096","author":"MA Bhat","year":"2024","unstructured":"Bhat MA, Khan ST, Alkhwaldi AF, Abdulmuhsin AA (2024b) Investigating the critical drivers of fintech adoption to promote business sustainability of SMEs. Glob Knowl Mem Commun. https:\/\/doi.org\/10.1108\/GKMC-02-2024-0096","journal-title":"Glob Knowl Mem Commun"},{"issue":"4","key":"3177_CR14","doi-asserted-by":"publisher","first-page":"1667","DOI":"10.1007\/s11187-019-00285-z","volume":"56","author":"P Bongini","year":"2021","unstructured":"Bongini P, Ferrando A, Rossi E, Rossolini M (2021) SME access to market-based finance across Eurozone countries. Small Bus Econ 56(4):1667\u20131697. https:\/\/doi.org\/10.1007\/s11187-019-00285-z","journal-title":"Small Bus Econ"},{"key":"3177_CR15","volume-title":"MSME finance gap: Assessment of the shortfalls and opportunities in financing micro, small, and medium enterprises in emerging markets","author":"M Bruhn","year":"2017","unstructured":"Bruhn M, Hommes M, Khanna M, Singh S, Sorokina A, Wimpey JS (2017) MSME finance gap: Assessment of the shortfalls and opportunities in financing micro, small, and medium enterprises in emerging markets. World Bank Group"},{"issue":"2","key":"3177_CR16","doi-asserted-by":"publisher","first-page":"207","DOI":"10.1093\/wbro\/lkl004","volume":"21","author":"S Claessens","year":"2006","unstructured":"Claessens S (2006) Access to financial services: a review of the issues and public policy objectives. World Bank Res Obs 21(2):207\u2013240. https:\/\/doi.org\/10.1093\/wbro\/lkl004","journal-title":"World Bank Res Obs"},{"issue":"1","key":"3177_CR17","doi-asserted-by":"publisher","first-page":"25","DOI":"10.1108\/ITSE-01-2025-0009","volume":"23","author":"L Dahabiyeh","year":"2026","unstructured":"Dahabiyeh L, Taha N, Thneibat M, Bhat MA (2026) Privacy awareness in generative AI: the case of ChatGPT. Int Technol Smart Educ 23(1):25\u201348. https:\/\/doi.org\/10.1108\/ITSE-01-2025-0009","journal-title":"Int Technol Smart Educ"},{"issue":"6","key":"3177_CR18","doi-asserted-by":"publisher","first-page":"1536","DOI":"10.1177\/0972150917713081","volume":"18","author":"S Dhamija","year":"2017","unstructured":"Dhamija S, Arora RK (2017) Initial and after-market performance of SME IPOs in India. Glob Bus Rev 18(6):1536\u20131551. https:\/\/doi.org\/10.1177\/0972150917713081","journal-title":"Glob Bus Rev"},{"issue":"2","key":"3177_CR19","doi-asserted-by":"publisher","first-page":"114","DOI":"10.1111\/auar.12074","volume":"25","author":"B Dwyer","year":"2015","unstructured":"Dwyer B, Kotey B (2015) Financing SME growth: the role of the National Stock Exchange of Australia and business advisors. Aust Account Rev 25(2):114\u2013123. https:\/\/doi.org\/10.1111\/auar.12074","journal-title":"Aust Account Rev"},{"issue":"1","key":"3177_CR20","doi-asserted-by":"publisher","first-page":"100","DOI":"10.1108\/TECHS-10-2021-0017","volume":"2","author":"V Ediagbonya","year":"2023","unstructured":"Ediagbonya V, Tioluwani C (2023) The role of fintech in driving financial inclusion in developing and emerging markets: issues, challenges and prospects. Technol Sustain 2(1):100\u2013119. https:\/\/doi.org\/10.1108\/TECHS-10-2021-0017","journal-title":"Technol Sustain"},{"key":"3177_CR21","doi-asserted-by":"crossref","unstructured":"Endris E, Kassegn A (2022) The role of micro, small, and medium enterprises (MSMEs) in the sustainable development of Sub-Saharan Africa and its challenges: A systematic review of evidence from Ethiopia. J Innov Entrep 11(1)","DOI":"10.1186\/s13731-022-00221-8"},{"key":"3177_CR22","doi-asserted-by":"publisher","DOI":"10.9734\/jemt\/2023\/v29i111169","author":"Enebeli-Uzor","year":"2023","unstructured":"Enebeli-Uzor (2023) Efficacy of digital finance on financial inclusion: Evidence from the Nigerian banking industry. J Econ Manag Trade. https:\/\/doi.org\/10.9734\/jemt\/2023\/v29i111169","journal-title":"J Econ Manag Trade"},{"key":"3177_CR23","doi-asserted-by":"publisher","DOI":"10.37394\/23207.2021.18.9","author":"Fatoki","year":"2021","unstructured":"Fatoki (2021) Access to finance and performance of small firms in South Africa: the moderating effect of financial literacy. WSEAS Trans Bus Econ. https:\/\/doi.org\/10.37394\/23207.2021.18.9","journal-title":"WSEAS Trans Bus Econ"},{"key":"3177_CR24","doi-asserted-by":"publisher","unstructured":"Forkuoh et al. (2015) Informal financial services, a panacea for SMEs financing? A case study of SMEs in the Ashanti Region of Ghana. Am J Ind Bus Manag. https:\/\/doi.org\/10.4236\/ajibm.2015.512075","DOI":"10.4236\/ajibm.2015.512075"},{"issue":"5","key":"3177_CR25","doi-asserted-by":"publisher","first-page":"869","DOI":"10.1108\/IJMF-04-2021-0195","volume":"18","author":"A Ghalke","year":"2022","unstructured":"Ghalke A, Kulkarni S (2022) Mutual fund manager turnover: an empirical investigation of performance. Int J Manag Financ 18(5):869\u2013887. https:\/\/doi.org\/10.1108\/IJMF-04-2021-0195","journal-title":"Int J Manag Financ"},{"issue":"1","key":"3177_CR26","doi-asserted-by":"publisher","first-page":"85","DOI":"10.1108\/IGDR-10-2021-0138","volume":"15","author":"A Ghalke","year":"2022","unstructured":"Ghalke A, Kumar S, Rao SN (2022) SME financing through public equity: review of the Indian SME exchanges. Indian Growth Dev Rev 15(1):85\u201397. https:\/\/doi.org\/10.1108\/IGDR-10-2021-0138","journal-title":"Indian Growth Dev Rev"},{"issue":"sup1","key":"3177_CR27","doi-asserted-by":"publisher","first-page":"S131","DOI":"10.1080\/14693062.2016.1242057","volume":"17","author":"C Ghisetti","year":"2017","unstructured":"Ghisetti C, Mancinelli S, Mazzanti M, Zoli M (2017) Financial barriers and environmental innovations: evidence from EU manufacturing firms. Clim Policy 17(sup1):S131\u2013S147. https:\/\/doi.org\/10.1080\/14693062.2016.1242057","journal-title":"Clim Policy"},{"issue":"4","key":"3177_CR28","doi-asserted-by":"publisher","first-page":"1031","DOI":"10.1111\/ecot.12235","volume":"27","author":"C Hainz","year":"2019","unstructured":"Hainz C, Nabokin T (2019) Access to credit and its determinants: a comparison of survey-based measures. Econ Transit Inst Change 27(4):1031\u20131067. https:\/\/doi.org\/10.1111\/ecot.12235","journal-title":"Econ Transit Inst Change"},{"issue":"2","key":"3177_CR29","doi-asserted-by":"publisher","first-page":"65","DOI":"10.32734\/jse.v1i2.14304","volume":"1","author":"J Hererra","year":"2023","unstructured":"Hererra J (2023) Financial literacy and MSME performance: mediation and moderation analysis. JSE 1(2):65\u201376","journal-title":"JSE"},{"key":"3177_CR30","doi-asserted-by":"publisher","unstructured":"Hossain et al. (2019) Support for smallholder farmers through Islamic instruments. Int J Islamic Middle Eastern Finance Manag. https:\/\/doi.org\/10.1108\/IMEFM-11-2018-0371","DOI":"10.1108\/IMEFM-11-2018-0371"},{"issue":"11","key":"3177_CR31","first-page":"105","volume":"10","author":"PA Ibrahim","year":"2018","unstructured":"Ibrahim PA (2018) Capital market access to small and medium enterprises (SMEs): evidence from the Indian stock market. Pac Bus Rev Int 10(11):105\u2013113","journal-title":"Pac Bus Rev Int"},{"key":"3177_CR32","unstructured":"International Finance Corporation (2017) MSME finance gap: Assessment of the shortfalls and opportunities in financing micro, small, and medium enterprises in emerging markets"},{"key":"3177_CR33","doi-asserted-by":"crossref","unstructured":"Kaur K, Kumar S (2024) Resource-based view and SME internationalization: A systematic literature review of resource optimization for global growth. Manag Rev Q","DOI":"10.1007\/s11301-024-00478-1"},{"issue":"1","key":"3177_CR34","doi-asserted-by":"publisher","first-page":"38","DOI":"10.1108\/APJIE-01-2022-0002","volume":"16","author":"MA Khan","year":"2022","unstructured":"Khan MA (2022) Barriers constraining the growth of and potential solutions for emerging entrepreneurial SMEs. Asia Pac J Innov Entrep 16(1):38\u201350. https:\/\/doi.org\/10.1108\/APJIE-01-2022-0002","journal-title":"Asia Pac J Innov Entrep"},{"key":"3177_CR35","doi-asserted-by":"publisher","first-page":"145","DOI":"10.1057\/s41261-023-00224-9","volume":"25","author":"I Kumar","year":"2024","unstructured":"Kumar I (2024) Banking services and financial inclusion in India\u2019s poorest regions. J Bank Regul 25:145\u2013159. https:\/\/doi.org\/10.1057\/s41261-023-00224-9","journal-title":"J Bank Regul"},{"issue":"6","key":"3177_CR36","doi-asserted-by":"publisher","first-page":"2433","DOI":"10.1108\/BPMJ-10-2024-1004","volume":"31","author":"J Kumar","year":"2025","unstructured":"Kumar J, Rani V, Rani G, Rani M (2025) Is cloud computing a game-changer for SME financial performance? Unveiling the mediating role of organizational agility through PLS-SEM. Bus Process Manag J 31(6):2433\u20132452. https:\/\/doi.org\/10.1108\/BPMJ-10-2024-1004","journal-title":"Bus Process Manag J"},{"key":"3177_CR37","doi-asserted-by":"crossref","unstructured":"Maesaroh SS, Rahayu A, Wibowo LA, Sofia A, Rahatuningtyas R (2023) Does asymmetric information perception relate to MSMEs\u2019 access to banking credit? In: Proceedings of the 7th global conference on business, management, and entrepreneurship (GCBME 2022). Atlantis Press, pp 167\u2013174","DOI":"10.2991\/978-94-6463-234-7_22"},{"issue":"5","key":"3177_CR38","doi-asserted-by":"publisher","first-page":"1210","DOI":"10.1108\/IJLMA-06-2017-0141","volume":"60","author":"M Maiti","year":"2018","unstructured":"Maiti M (2018) Scope for alternative avenues to promote financial access to MSMEs in developing nations: evidence from India. Int J Law Manag 60(5):1210\u20131222. https:\/\/doi.org\/10.1108\/IJLMA-06-2017-0141","journal-title":"Int J Law Manag"},{"key":"3177_CR39","doi-asserted-by":"publisher","first-page":"66","DOI":"10.1016\/j.frl.2017.01.004","volume":"21","author":"A Marshall","year":"2017","unstructured":"Marshall A, Davies J, Fletcher M (2017) Time-varying investment barriers and closed-end country fund pricing. Financ Res Lett 21:66\u201371. https:\/\/doi.org\/10.1016\/j.frl.2017.01.004","journal-title":"Financ Res Lett"},{"key":"3177_CR40","doi-asserted-by":"publisher","unstructured":"Mehta P, Dash S, Yadav PD, Aggarwal V, Gupta AK, Singh G (2024) Metaverse adoption intention of micro, small and medium enterprises (MSMEs): Unclogging communication with the authorities. In: 2024 international conference on intelligent & innovative practices in engineering & management (IIPEM). IEEE. https:\/\/doi.org\/10.1109\/IIPEM62726.2024.10925669","DOI":"10.1109\/IIPEM62726.2024.10925669"},{"issue":"3","key":"3177_CR41","doi-asserted-by":"publisher","first-page":"316","DOI":"10.1108\/SAJBS-07-2020-0228","volume":"11","author":"V Mittal","year":"2021","unstructured":"Mittal V, Raman T (2021) Financing woes: estimating the impact of the MSME financing gap on the financial structure practices of firm owners. South Asian J Bus Stud 11(3):316\u2013340. https:\/\/doi.org\/10.1108\/SAJBS-07-2020-0228","journal-title":"South Asian J Bus Stud"},{"issue":"1","key":"3177_CR42","doi-asserted-by":"publisher","first-page":"121","DOI":"10.1111\/jfir.12054","volume":"38","author":"A Moro","year":"2015","unstructured":"Moro A, Fink M, Maresch D (2015) Reduction in information asymmetry and credit access for small and medium-sized enterprises. J Financ Res 38(1):121\u2013143. https:\/\/doi.org\/10.1111\/jfir.12054","journal-title":"J Financ Res"},{"key":"3177_CR43","doi-asserted-by":"publisher","DOI":"10.5539\/ijef.v3n4p208","author":"M Musara","year":"2011","unstructured":"Musara M, Fatoki O (2011) The effectiveness of business development services providers (BDS) in improving access to debt finance by start-up SMEs in South Africa. Int J Econ Finance. https:\/\/doi.org\/10.5539\/ijef.v3n4p208","journal-title":"Int J Econ Finance"},{"key":"3177_CR44","doi-asserted-by":"crossref","unstructured":"Nguyen HH, Phuc Nguyen T, Huong Tram TX (2022) Investment and financing behaviours in the financial crisis: The sustainable implications for SMEs. Cogent Bus Manag 9(1)","DOI":"10.1080\/23311975.2022.2087462"},{"key":"3177_CR45","doi-asserted-by":"publisher","first-page":"665","DOI":"10.1007\/s10619-020-07315-w","volume":"39","author":"TD Nguyen","year":"2021","unstructured":"Nguyen TD, Shih MH, Srivastava D et al (2021) Stratified random sampling from streaming and stored data. Distrib Parallel Databases 39:665\u2013710. https:\/\/doi.org\/10.1007\/s10619-020-07315-w","journal-title":"Distrib Parallel Databases"},{"issue":"1","key":"3177_CR46","doi-asserted-by":"publisher","first-page":"21","DOI":"10.1108\/IJIS-11-2018-0119","volume":"12","author":"S Oduro","year":"2020","unstructured":"Oduro S (2020) Exploring the barriers to SMEs\u2019 open innovation adoption in Ghana: a mixed research approach. Int J Innov Sci 12(1):21\u201351. https:\/\/doi.org\/10.1108\/IJIS-11-2018-0119","journal-title":"Int J Innov Sci"},{"key":"3177_CR47","doi-asserted-by":"publisher","first-page":"61","DOI":"10.47577\/technium.v21i.10697","volume":"21","author":"J Osuna","year":"2024","unstructured":"Osuna J (2024) Financing for the strengthening of SMEs: a study in Guasave, Sinaloa, Mexico. Technium Romanian J Appl Sci Technol 21:61\u201372. https:\/\/doi.org\/10.47577\/technium.v21i.10697","journal-title":"Technium Romanian J Appl Sci Technol"},{"issue":"2","key":"3177_CR48","doi-asserted-by":"publisher","first-page":"259","DOI":"10.18801\/ijbmsr.040218.29","volume":"4","author":"J Owusu","year":"2018","unstructured":"Owusu J, Ismail M (2018) Examining factors that militate against small and medium enterprises (SMEs) in raising finance in Ghana. Int J Bus Manag Social Res 4(2):259\u2013272. https:\/\/doi.org\/10.18801\/ijbmsr.040218.29","journal-title":"Int J Bus Manag Social Res"},{"issue":"3","key":"3177_CR49","doi-asserted-by":"publisher","first-page":"634","DOI":"10.5159\/ijmer.v6i3.876","volume":"6","author":"A Oyewole","year":"2024","unstructured":"Oyewole A (2024) Enhancing global competitiveness of U.S. SMEs through sustainable finance: A review and future directions. Int J Manag Entrep Res 6(3):634\u2013647. https:\/\/doi.org\/10.5159\/ijmer.v6i3.876","journal-title":"Int J Manag Entrep Res"},{"key":"3177_CR50","doi-asserted-by":"publisher","unstructured":"Pal A, Singh H, Singh VV, Gupta AK (2024) Technological mitigation of the impact of behavioral biases on financial investment decision: Evidence from India using a PLS-SEM approach. In: 2024 international conference on intelligent & innovative practices in engineering & management (IIPEM). IEEE. https:\/\/doi.org\/10.1109\/IIPEM62726.2024.10925698","DOI":"10.1109\/IIPEM62726.2024.10925698"},{"issue":"9","key":"3177_CR51","doi-asserted-by":"publisher","first-page":"29","DOI":"10.17010\/IJOM\/2025\/v55\/i9\/175450","volume":"55","author":"A Pal","year":"2025","unstructured":"Pal A, Singh VV, Tiwari CK, Bhat MA (2025) Decoding consumer perceptions toward green financial products using analytical hierarchy process. Indian J Mark 55(9):29\u201342. https:\/\/doi.org\/10.17010\/IJOM\/2025\/v55\/i9\/175450","journal-title":"Indian J Mark"},{"key":"3177_CR52","doi-asserted-by":"publisher","DOI":"10.1108\/BPMJ-06-2025-0865","volume-title":"Leveraging AI for geo-economic decisions: Navigating the nexus between business process management, knowledge management and business intelligence practices","author":"A Pal","year":"2026","unstructured":"Pal A, Tiwari CK, Bhat MA, Behl A, Vrontis D (2026) Leveraging AI for geo-economic decisions: Navigating the nexus between business process management, knowledge management and business intelligence practices. Advance online publication, Business Process Management Journal. https:\/\/doi.org\/10.1108\/BPMJ-06-2025-0865"},{"issue":"5","key":"3177_CR53","doi-asserted-by":"publisher","first-page":"879","DOI":"10.1037\/0021-9010.88.5.879","volume":"88","author":"PM Podsakoff","year":"2003","unstructured":"Podsakoff PM, MacKenzie SB, Lee JY, Podsakoff NP (2003) Common method biases in behavioral research: a critical review of the literature and recommended remedies. J Appl Psychol 88(5):879\u2013903","journal-title":"J Appl Psychol"},{"issue":"1","key":"3177_CR54","doi-asserted-by":"publisher","first-page":"73","DOI":"10.5755\/j01.ee.33.1.27998","volume":"33","author":"K Rajamani","year":"2022","unstructured":"Rajamani K, Jan N, Subramani A, Raj A (2022) Access to finance: challenges faced by micro, small, and medium enterprises in India. Eng Econ 33(1):73\u201385. https:\/\/doi.org\/10.5755\/j01.ee.33.1.27998","journal-title":"Eng Econ"},{"issue":"7","key":"3177_CR55","doi-asserted-by":"publisher","first-page":"2157","DOI":"10.55324\/josr.v2i7.1008","volume":"2","author":"D Ramadhona","year":"2023","unstructured":"Ramadhona D (2023) Government support and policy design to improve MSMEs\u2019 performance. J Soc Res 2(7):2157\u20132172","journal-title":"J Soc Res"},{"issue":"6\u20137","key":"3177_CR56","doi-asserted-by":"publisher","first-page":"659","DOI":"10.1002\/smj.186","volume":"22","author":"KC Robinson","year":"2001","unstructured":"Robinson KC, Phillips McDougall P (2001) Entry barriers and new venture performance: A comparison of universal and contingency approaches. Strateg Manag J 22(6\u20137):659\u2013685. https:\/\/doi.org\/10.1002\/smj.186","journal-title":"Strateg Manag J"},{"key":"3177_CR57","doi-asserted-by":"crossref","unstructured":"Said, B., Raza, M. W., & Elshahat, A. (2024). Does market microstructure affect time-varying efficiency? Evidence from emerging markets. Research in International Business and Finance, 70, Article 102347.","DOI":"10.1016\/j.ribaf.2024.102347"},{"issue":"4","key":"3177_CR58","doi-asserted-by":"publisher","first-page":"589","DOI":"10.1108\/QRFM-05-2022-0086","volume":"16","author":"A Saifurrahman","year":"2023","unstructured":"Saifurrahman A (2023) Regulatory issues inhibiting financial inclusion: A case study among Islamic banks and MSMEs in Indonesia. Qual Res Financ Mark 16(4):589\u2013617","journal-title":"Qual Res Financ Mark"},{"issue":"2","key":"3177_CR59","first-page":"1","volume":"26","author":"L Semenya","year":"2020","unstructured":"Semenya L, Dhliwayo S (2020) Challenges of financing small and medium enterprises\u2019 growth through public equity in South Africa. Acad Entrep J 26(2):1\u201315","journal-title":"Acad Entrep J"},{"key":"3177_CR60","doi-asserted-by":"publisher","first-page":"381","DOI":"10.1007\/s11628-011-0119-5","volume":"5","author":"ZS Serrasqueiro","year":"2011","unstructured":"Serrasqueiro ZS, Armada MR, Nunes PM (2011) Pecking order theory versus trade-off theory: Are service SMEs\u2019 capital structure decisions different? Serv Bus 5:381\u2013409. https:\/\/doi.org\/10.1007\/s11628-011-0119-5","journal-title":"Serv Bus"},{"key":"3177_CR61","doi-asserted-by":"crossref","unstructured":"Shaked D, Faulkner LM, Tolle K, Wendell CR, Waldstein SR, Spencer RJ (2020) Reliability and validity of the Conners\u2019 continuous performance test. Appl Neuropsychol Adult","DOI":"10.1080\/23279095.2019.1570199"},{"issue":"1","key":"3177_CR62","doi-asserted-by":"publisher","first-page":"20","DOI":"10.1108\/JAMR-01-2023-0006","volume":"21","author":"L Sharma","year":"2024","unstructured":"Sharma L, Bulsara HP, Bagdi H, Trivedi M (2024) Exploring sustainable entrepreneurial intentions through the lens of theory of planned behaviour: A PLS-SEM approach. J Adv Manag Res 21(1):20\u201343. https:\/\/doi.org\/10.1108\/JAMR-01-2023-0006","journal-title":"J Adv Manag Res"},{"issue":"5","key":"3177_CR63","first-page":"3120","volume":"30","author":"P Sharma","year":"2024","unstructured":"Sharma P, Sharma R (2024) The financial gap in the MSME sector: A review of literature for the period of 2014 to 2023. Educ Adm Theory Pract 30(5):3120\u20133127","journal-title":"Educ Adm Theory Pract"},{"key":"3177_CR64","unstructured":"SIDBI (2018) Private investing in India \u2013 Venture capital focus state of sector report"},{"key":"3177_CR65","doi-asserted-by":"publisher","first-page":"4885","DOI":"10.1007\/s13198-024-02497-3","volume":"15","author":"H Singh","year":"2024","unstructured":"Singh H, Singh VV, Gupta AK et al (2024a) Assessing e-learning platforms in higher education with reference to student satisfaction: A PLS-SEM approach. Int J Syst Assur Eng Manag 15:4885\u20134896. https:\/\/doi.org\/10.1007\/s13198-024-02497-3","journal-title":"Int J Syst Assur Eng Manag"},{"key":"3177_CR66","doi-asserted-by":"crossref","unstructured":"Singh S, Raj R, Dash BM, Kumar V, Paliwal M, Chauhan S (2024) Access to finance and its impact on operational efficiency of MSMEs: Mediating role of entrepreneurial personality and self-efficacy. J Small Bus Enterprise Dev","DOI":"10.1108\/JSBED-01-2024-0053"},{"issue":"6","key":"3177_CR67","doi-asserted-by":"publisher","first-page":"2133","DOI":"10.1108\/BIJ-12-2023-0875","volume":"32","author":"N Sreenu","year":"2025","unstructured":"Sreenu N (2025) The influence of fintech and financial knowledge on sustainable business success: exploring the mediating effect of financial accessibility in India. Benchmark Int J 32(6):2133\u20132163. https:\/\/doi.org\/10.1108\/BIJ-12-2023-0875","journal-title":"Benchmark Int J"},{"issue":"3","key":"3177_CR68","first-page":"143","volume":"1","author":"C Sumiok","year":"2023","unstructured":"Sumiok C (2023) Analyzing the impact of tax policy on the financial performance and compliance of MSMEs in Indonesia. IIJET 1(3):143\u2013155","journal-title":"IIJET"},{"issue":"3","key":"3177_CR69","doi-asserted-by":"publisher","first-page":"137","DOI":"10.61100\/adman.v1i3.62","volume":"1","author":"S Sutrisno","year":"2023","unstructured":"Sutrisno S (2023) Education and training as a means of developing MSME expertise. J Contemp Administr Manag (ADMAN) 1(3):137\u2013143. https:\/\/doi.org\/10.61100\/adman.v1i3.62","journal-title":"J Contemp Administr Manag (ADMAN)"},{"issue":"3","key":"3177_CR70","doi-asserted-by":"publisher","first-page":"458","DOI":"10.1108\/IJBM-04-2023-0214","volume":"42","author":"S Talip","year":"2023","unstructured":"Talip S (2023) Influence of human capital and social capital on MSME access to finance: Assessing the mediating role of financial literacy. Int J Bank Mark 42(3):458\u2013485. https:\/\/doi.org\/10.1108\/IJBM-04-2023-0214","journal-title":"Int J Bank Mark"},{"key":"3177_CR71","unstructured":"Tiwary D (2024) A suburban perspective on MSME loans in India: Bridging the gap in lending with private sector banks. \u0100rtha: E-Journal of FRTL@IIM Calcutta, 12(2)"},{"key":"3177_CR72","doi-asserted-by":"publisher","first-page":"772","DOI":"10.1016\/j.sbspro.2014.09.056","volume":"150","author":"C Tudor","year":"2014","unstructured":"Tudor C, Tudor M, Anghel A (2014) Performance of SMEs stocks portfolios at Bucharest Stock Exchange. Procedia - Soc Behav Sci 150:772\u2013777. https:\/\/doi.org\/10.1016\/j.sbspro.2014.09.056","journal-title":"Procedia - Soc Behav Sci"},{"issue":"1","key":"3177_CR73","doi-asserted-by":"publisher","first-page":"62","DOI":"10.1108\/JABS-08-2022-0291","volume":"18","author":"S Utama","year":"2023","unstructured":"Utama S, Yusfiarto R, Pertiwi R, Khoirunnisa A (2023) Intentional model of MSMEs growth: a tripod-based view and evidence from Indonesia. J Asia Bus Stud 18(1):62\u201384. https:\/\/doi.org\/10.1108\/JABS-08-2022-0291","journal-title":"J Asia Bus Stud"},{"issue":"5","key":"3177_CR74","doi-asserted-by":"publisher","first-page":"2145","DOI":"10.1002\/csr.2475","volume":"30","author":"S Wasiuzzaman","year":"2023","unstructured":"Wasiuzzaman S, Subramaniam V (2023) Board gender diversity and environmental, social and governance (ESG) disclosure: is it different for developed and developing nations? Corp Soc Responsib Environ Manag 30(5):2145\u20132165. https:\/\/doi.org\/10.1002\/csr.2475","journal-title":"Corp Soc Responsib Environ Manag"},{"issue":"1","key":"3177_CR75","doi-asserted-by":"publisher","first-page":"145","DOI":"10.1002\/mde.3099","volume":"41","author":"S Wasiuzzaman","year":"2020","unstructured":"Wasiuzzaman S, Wan Mohammad WM (2020) Board gender diversity and transparency of environmental, social and governance disclosure: evidence from Malaysia. Manag Decis Econ 41(1):145\u2013156. https:\/\/doi.org\/10.1002\/mde.3099","journal-title":"Manag Decis Econ"},{"issue":"1","key":"3177_CR76","first-page":"52","volume":"9","author":"J Wiid","year":"2021","unstructured":"Wiid J, Cant M (2021) Hurdles faced by owners of township micro, small and medium enterprises to acquire funds for survival and growth (2010\u20132020). J Entrep Sustain Issues 9(1):52\u201365","journal-title":"J Entrep Sustain Issues"},{"issue":"3","key":"3177_CR77","doi-asserted-by":"publisher","first-page":"203","DOI":"10.33086\/cdj.v7i3.5285","volume":"7","author":"S Wijaya","year":"2023","unstructured":"Wijaya S (2023) The importance of increasing awareness of business permits and technological transformation in empowering MSMEs: Bouncing back post-COVID-19 pandemic. Community Dev J 7(3):203\u2013212. https:\/\/doi.org\/10.33086\/cdj.v7i3.5285","journal-title":"Community Dev J"},{"issue":"1","key":"3177_CR78","doi-asserted-by":"publisher","first-page":"211","DOI":"10.51137\/ijarbm.2023.4.1.10","volume":"4","author":"K Yeboah","year":"2023","unstructured":"Yeboah K, Mensah N, Tandoh I, Duffour K, Roberts N (2023) Determinants and constraints of agro-based SMEs\u2019 access to finance: Evidence from Ghana. Int J Appl Res Bus Manag 4(1):211\u2013232. https:\/\/doi.org\/10.51137\/ijarbm.2023.4.1.10","journal-title":"Int J Appl Res Bus Manag"},{"issue":"1","key":"3177_CR79","doi-asserted-by":"publisher","first-page":"17","DOI":"10.18775\/ijmsba.1849-5664-5419.2014.91.1002","volume":"9","author":"S Zaniarti","year":"2022","unstructured":"Zaniarti S, Veronica S, Arsytania R (2022) The effect of financial literacy on the sustainability of micro, small, and medium enterprises with access to finance as a mediating variable. Int J Manag Sci Bus Administr 9(1):17\u201331. https:\/\/doi.org\/10.18775\/ijmsba.1849-5664-5419.2014.91.1002","journal-title":"Int J Manag Sci Bus Administr"}],"container-title":["International Journal of System Assurance Engineering and Management"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s13198-026-03177-0.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/article\/10.1007\/s13198-026-03177-0","content-type":"text\/html","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s13198-026-03177-0.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2026,6,22]],"date-time":"2026-06-22T12:42:27Z","timestamp":1782132147000},"score":1,"resource":{"primary":{"URL":"https:\/\/link.springer.com\/10.1007\/s13198-026-03177-0"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2026,4,24]]},"references-count":79,"journal-issue":{"issue":"6","published-print":{"date-parts":[[2026,6]]}},"alternative-id":["3177"],"URL":"https:\/\/doi.org\/10.1007\/s13198-026-03177-0","relation":{},"ISSN":["0975-6809","0976-4348"],"issn-type":[{"value":"0975-6809","type":"print"},{"value":"0976-4348","type":"electronic"}],"subject":[],"published":{"date-parts":[[2026,4,24]]},"assertion":[{"value":"5 May 2025","order":1,"name":"received","label":"Received","group":{"name":"ArticleHistory","label":"Article History"}},{"value":"23 February 2026","order":2,"name":"accepted","label":"Accepted","group":{"name":"ArticleHistory","label":"Article History"}},{"value":"24 April 2026","order":3,"name":"first_online","label":"First Online","group":{"name":"ArticleHistory","label":"Article History"}},{"order":1,"name":"Ethics","group":{"name":"EthicsHeading","label":"Declarations"}},{"value":"It is to be informed that no competing interests exist in the current study.","order":2,"name":"Ethics","group":{"name":"EthicsHeading","label":"Competing interests"}},{"value":"No such content has been included in the manuscript that requires any third-party consent.","order":3,"name":"Ethics","group":{"name":"EthicsHeading","label":"Consent for publication"}}]}}