frictions that SMEs face to access finance. Section three explores how digitization is an enabler for SME finance and how … different fintech solutions address these barriers. The fintech solutions analyzed include digital credit, asset-based lending …, and equity products. Also examined are innovative products such as digital payments, credit risk assessment using …

"The authors study the effect of financial crises on trade credit in a sample of 890 firms in six emerging economies …. They find that although provision of trade credit increases right after the crisis, it consequently collapses in the … short-term debt and low cash stocks and cash flows) are more likely to reduce trade credit provided to their customers. This …

"The aim of this paper is to understand the mechanism underlying access to credit. Gine focuses on two important … aspects of rural credit markets in Thailand. First, moneylenders and other informal lenders coexist with formal lending … presumably face sizable transaction costs obtaining external credit. The author develops and estimates a model based on limited …

"Powell, Mylenko, Miller, and Majnoni analyze how data in public credit registries can be used both to strengthen bank … supervision and to improve the quality of credit analysis by financial institutions. Empirical tests using public credit registry … empirical tests confirm the value of the data for credit risk evaluation and provide insights regarding its use in supervision …

. One of the lessons of the last few years is that banks will expand SME lending on their own accord - in spite of the …

This report presents findings of a study of Bank lending to small and medium enterprises (SME) in Serbia. The study … in SME lending in Serbia and account for about 70 percent of the total market. Banks are currently offering a fairly …; business credit cards; various types of payment services; Internet and phone banking. The report is organized as follows …

majority of firms in the dataset are privately owned, young, micro or small and medium enterprise (SME) firms concentrated in … leverage ratios (both short term and long term), including higher use of trade credit. There is also a negative influence of … in environments with greater asymmetric information (such as weaker credit information) firms prefer to use internal or …