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Enhancing Sme Competitiveness With Fintech

Author

Listed:
  • M. Chemangui

    (Audencia Business School)

  • C. Salloum
  • H. Jarrar
  • A. F. Alam
  • Y. Meriane

Abstract

This study investigates the transformative impact of financial technology (FinTech) on the operational efficiencies of small and medium sized enterprises (SMEs) in the Middle East and North Africa (MENA) region. It examines how cultural factors influence FinTech adoption and effectiveness, with a focus on power distance, individualism, uncertainty avoidance, masculinity, long-term orientation, and indulgence. The study employs the theory of reasonable action to explore the interplay between technology and culture, offering a comprehensive understanding of FinTech's role in enhancing SME competitiveness, innovation, and job creation. Key challenges identified include limited digital literacy, regulatory barriers, and the lack of tailored FinTech solutions. By providing empirical data on FinTech's advantages and disadvantages, the research contributes to the existing knowledge base, highlighting the effects on market competitiveness, efficiency, regulatory frameworks, and funding availability. The findings offer valuable insights for policymakers, business leaders, and FinTech developers to create supportive environments for FinTech adoption, ultimately contributing to economic sustainability in the MENA region. This study emphasises the importance of considering cultural dynamics in the implementation of FinTech solutions to maximise their positive impact on SME efficiency and growth.

Suggested Citation

  • M. Chemangui & C. Salloum & H. Jarrar & A. F. Alam & Y. Meriane, 2025. "Enhancing Sme Competitiveness With Fintech," Post-Print hal-05618007, HAL.
    • Handle: RePEc:hal:journl:hal-05618007
    DOI: 10.1504/IJMFA.2027.10069970
    as

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