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Research Article

Digital Transformation Strategies of Commercial Banks and Financing Services Availed by Small and Medium Enterprises

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Yafeng Jiang , Althea Denuevo
Psych Educ Multidisc J, 2025, 38 (4), 419-424, DOI: https://doi.org/10.70838/pemj.380410, ISSN 2822-4353
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Abstract

This paper examined the digital transformation strategies of commercial banks and financing services availed by small and medium-sized enterprises (SMEs). Against the backdrop of fintech development, it analyzed how digital tools (such as big data risk control and blockchain-based supply chain finance) mitigate information asymmetry between banks and enterprises. The research finds that digital transformation significantly enhances SMEs' financing accessibility, though regional disparities and technology adaptation issues persist. The results showed that significant differences exist in innovation and collaboration strategy when classified by number of employees, and employee empowerment and upskilling when classified by loan extended. Significant difference was detected in financing services when grouped by size of business. Commercial banks should strengthen technological investments and scenario-based service design, while policymakers should improve data-sharing mechanisms. This research provided empirical evidence for integration of fintech and inclusive finance, offering practical value for commercial banks' strategic transformation and alleviating SMEs' financing difficulties

Keywords digital transformation commercial banks SME financing fintech inclusive finance
Authors 2
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The team behind this paper

2 authors, 1 institution.

This paper Central Philippine University Central Philippine Univ… 2 authors Yafeng Jiang — corresponding author YJ Yafeng Jiang ✉ Althea Denuevo AD Althea Denuevo

Readership

413 reads over 19 months.

May 2025 November 2026

Related work on SciMatic

Closest of 18 articles sharing keywords with this one. A rarer shared keyword counts for more than a common one.

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Althea Denuevo 0xd423e7…65267b 450,000 (45%)
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Bibliographic Information

Yafeng Jiang, Althea Denuevo, (2025). Digital Transformation Strategies of Commercial Banks and Financing Services Availed by Small and Medium Enterprises, Psychology and Education: A Multidisciplinary Journal, 38(4): 419-424
Bibtex Citation
@article{yafeng_jiang2025pemj,
author = {Yafeng Jiang and Althea Denuevo},
title = {Digital Transformation Strategies of Commercial Banks and Financing Services Availed by Small and Medium Enterprises},
journal = {Psychology and Education: A Multidisciplinary Journal},
year = {2025},
volume = {38},
number = {4},
pages = {419-424},
doi = {10.70838/pemj.380410},
url = {https://scimatic.org/show_manuscript/5299}
}
APA Citation
Jiang, Y., Denuevo, A., (2025). Digital Transformation Strategies of Commercial Banks and Financing Services Availed by Small and Medium Enterprises. Psychology and Education: A Multidisciplinary Journal, 38(4), 419-424. https://doi.org/10.70838/pemj.380410

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