Fintechs : the new forms of business financing
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Date
2025-06-12
Authors
Journal Title
Journal ISSN
Volume Title
Publisher
Université Mouloud Mammeri
Abstract
The purpose of this research is to explore the emerging new forms of business financing. This study aims to understand how these innovations are reshaping access to capital, particularly for small and medium sized businesses, entrepreneurs and startups.
The rise of financial technology has transformed traditional business financing by introducing innovative, technology driven alternatives. These include peer-to-peer lending, crowdfunding, revenue-based financing, and blockchain enabled funding methods. Unlike conventional bank loans or venture capital, these models are more inclusive and accessible particularly for startups and small to medium sized enterprises that often struggle with credit access.
By leveraging data analytics, artificial intelligence and mobile platforms, FinTech financing solutions offer faster approval times, lower operational costs and customized lending experiences. At the same time, neo-banks and embedded finance platforms have streamlined how businesses manage and secure funding, integrating financial services directly into non-financial environments.
While challenges such as regulations, fraud risks and market volatility persist, FinTech is increasingly viewed as a catalyst for financial inclusion and innovation. As these models evolve, they continue to reshape the global funding landscape offering more flexible and scalable capital solutions for modern business.
Description
137p. :ill. ;30cm(+cd)
Keywords
Financial technologies, Business financing
Citation
Option:Finance d'Entreprise