All Journals

Language Teaching Research Quarterly

European Journal of Studies in Management and Business

International Journal of Behavior Studies in Organizations

Studies in Educational Management

New Challenges in Accounting and Finance

Language Testing in Focus: An International Journal

Marketing and Branding Research

Individual Differences in Language Education: An International Journal 

Feedback Research in Second Language 

Management Issues in Healthcare System

Language Teacher Education Research

Artificial Intelligence Knowledge Development

<span style="font-size: 10.0pt; line-height: 115%; font-family: 'Times New Roman',serif; mso-fareast-font-family: Calibri; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA; mso-bidi-font-weight: bold;">Small and Medium-Sized Enterprises (SMEs) continue to encounter significant obstacles in securing finance, often due to information asymmetry, limited credit histories, and inadequate collateral. Developments in Financial Technology (FinTech) have reshaped capital access by enhancing information exchange, reducing transaction costs, and introducing alternative financing models. This study offers a systematic review of empirical research on FinTech and SME financial inclusion between 2008 and 2025, using scientific methods such as PRISMA, PSALSAR, Biblioshiny, and Bibliometrix in RStudio. The findings indicate a relatively recent and fragmented body of literature, with a concentration of studies in China, Indonesia, and other emerging economies. Evidence consistently supports FinTech&rsquo;s contribution to mitigating financing barriers, particularly in developing contexts. Nonetheless, notable limitations remain, such as a dependence on secondary data, restricted geographic scope, and a scarcity of longitudinal analyses. The paper identifies these gaps and proposes directions for future research to better understand how FinTech can foster sustainable and inclusive financing for SMEs in diverse economic environments.

mbrq.2026.37.01.pdf

Review Article

mbrq.2026.37.01.xml

Fintech and SME Financial Inclusion: A Systematic Literature Review and Bibliometric Analysis

Small and Medium-Sized Enterprises (SMEs) are the lifeblood of Africa&rsquo;s economy. However, one of their biggest challenges is access to Finance. This study assesses the potential of Financial Technologies (fintech), as an innovative force, in addressing the financial inclusion challenges faced by SMEs across African countries. By adopting an exploratory approach, meticulously reviewing relevant published materials and data from reputable sources such as the World Bank, this study analyzes the correlation between SMEs&rsquo; financial inclusion and fintech implementation in Africa. Employing Principal Component Analysis (PCA) and regression modeling in R Studio, this study provides a rigorous analysis of this dynamic. The results indicate that increased usage of fintech significantly improves access to funding and enhances financial inclusion. However, while fintech is bridging the business gap, it cannot operate in isolation. A robust ecosystem, trust-building, and infrastructure are essential to fintech&rsquo;s success.

mbrq.2025.34.03.pdf

Original Research 

mbrq.2025.34.03.xml

Fintech: Innovating Financial Inclusion for African Small and Medium-sized Enterprises