International records / OpenAlex research

The Moderating Role of Fintech on the Relationship Between Financial Inclusion and SME Growth in North-Central States of Nigeria

Regardless of the growing availability of digital financial technologies, achieving full financial inclusion for Small and Medium Enterprises (SMEs) remains a major challenge in many developing economies, including the North Central States of Nigeria. In response, this study evaluates the factors influencing FinTech adoption by examining the effects of Perceived Ease of Use, Perceived Usefulness, Perceived Security, and Trust on SMEs’ financial inclusion, while also analyzing the moderating roles of Digital Financial Literacy (DFL) and Perceived Regulatory Support (PRS). A purposive sample of …