Leveraging Fintech for Business Sustainability: Insights From Pakistani MSMEs
Abstract/Description
Micro, Small, and Medium enterprises worldwide are considered pillars of the economy, despite their significant contribution to economic development and growth. MSMEs are confronted with numerous challenges, including access to formal finance. Fintech emerges as a feasible enabler of sustainable growth and is restructuring the way these firms operate, manage funding, and achieve sustainability in the long run.
This paper intends to scrutinize the impact of the TOE factors on financial technology adoption and its subsequent impact on MSMEs' business sustainability in Pakistan. A Structured survey will be distributed to the selected MSMEs to collect cross-sectional data. For data analysis, PLS- SEM technique is adopted, and the hypothesis will be tested using SmartPLS Software. The results of the study will provide insights for the government, fintech companies, and MSMEs.
Keywords
Business Sustainability, Digital Payments, TOE Framework, MSMEs, Fintech, Adoption, Pakistan
Track
Finance
Session Number/Theme
Finance - Session II
Start Date/Time
13-6-2025 4:10 PM
End Date/Time
13-6-2025 5:30 PM
Location
MCC – 12 AMAN CED Building
Recommended Citation
Fatima, E. (2025). Leveraging Fintech for Business Sustainability: Insights From Pakistani MSMEs. IBA SBS 4th International Conference 2025. Retrieved from https://ir.iba.edu.pk/sbsic/2025/program/13
COinS
Leveraging Fintech for Business Sustainability: Insights From Pakistani MSMEs
MCC – 12 AMAN CED Building
Micro, Small, and Medium enterprises worldwide are considered pillars of the economy, despite their significant contribution to economic development and growth. MSMEs are confronted with numerous challenges, including access to formal finance. Fintech emerges as a feasible enabler of sustainable growth and is restructuring the way these firms operate, manage funding, and achieve sustainability in the long run.
This paper intends to scrutinize the impact of the TOE factors on financial technology adoption and its subsequent impact on MSMEs' business sustainability in Pakistan. A Structured survey will be distributed to the selected MSMEs to collect cross-sectional data. For data analysis, PLS- SEM technique is adopted, and the hypothesis will be tested using SmartPLS Software. The results of the study will provide insights for the government, fintech companies, and MSMEs.
