INTERNATIONAL JOURNAL OF STUDENT PERFORMANCE AND EDUCATIONAL RESEARCH

Abstract

Financial technology (FinTech) platforms have transformed access to financing for Nigerian SMEs, according to this study. SMEs are vital to the economy, yet many struggle to obtain conventional banking services. FinTech platforms have arisen as creative financing options to help SMEs, according to this report. The research examines how FinTech platforms streamline financial procedures, lower transaction costs, and provide SMEs with efficient and accessible finance. The study also examines how regulatory frameworks affect FinTech platform growth, sustainability, financial inclusion, and economic development. This research seeks to inform policymakers, financial institutions, and FinTech entrepreneurs on how to help Nigerian SMEs using technology. The study adds to the discussion on technology, finance, and economic growth in developing nations. Understanding how FinTech platforms improve SME financing access is essential for sustainable and inclusive economic development in Nigeria.