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

<p style="text-align: justify;"><span style="font-size: 12pt; line-height: 115%; font-family: 'Times New Roman', serif;">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.</span></p>

mbrq.2025.34.03.pdf

Original Research 

mbrq.2025.34.03.xml

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