FINTECH FINANCING AND FINANCIAL INCLUSION AS DRIVERS OF ENTERPRISE GROWTH IN THE DIGITAL ECONOMY

Abstract

The rapid expansion of financial technologies is changing the traditional mechanisms through which enterprises obtain and manage financial resources. FinTech-based financing, digital lending, electronic payments, crowdfunding, peer-to-peer lending, and alternative credit assessment have created new opportunities for enterprises, particularly small and medium-sized enterprises, to access financial resources. This study examines the role of FinTech financing and financial inclusion in supporting enterprise growth in the digital economy. The research is based on a review and synthesis of recent international empirical studies, institutional reports, and evidence from emerging economies.