FINTECH AND INNOVATIVE FINANCING ALTERNATIVES AS ENGINES FOR THE DEVELOPMENT OF SMEs IN MEXICO

Abstract

This documentary and non-experimental research aims to analyze the relevance of financing sources in Mexico, particularly those driven by the Fintech ecosystem, and their impact on the development of small and medium-sized enterprises (SMEs). In an environment characterized by restrictions in traditional credit access, financial technology platforms have emerged as an innovative alternative that expands access to capital, reduces intermediation costs, and streamlines credit approval processes. The study examines how these new financing modalities contribute to the operational continuity, growth, and competitiveness of SMEs, as well as their role within the Mexican financial system.