AI and Fintech Fusion Transforms SME Banking

China’s small and medium enterprises are experiencing a transformation in financial access driven by the convergence of artificial intelligence and fintech. In 2025, AI-powered lending and risk assessment systems became central to SME banking, cutting loan approval times from weeks to minutes. The

Fintech Lending Platforms for SMEs

Small and medium-sized enterprises (SMEs) are a cornerstone of China’s economy, contributing significantly to employment, innovation, and regional development. However, access to finance has traditionally been a challenge for SMEs, due to limited credit history, lack of collateral, and cumbersome banking processes. Fintech