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Small and Medium-sized Enterprises (SMEs) are known to play a vital role in economic growth, employment, and innovation. However, they tend to face significant challenges in accessing credit due to limited financial histories, collateral…
Small Medium-sized Enterprises (SMEs) face many obstacles when they try to access credit market. These obstacles are increased if the SMEs are innovative. In this case, financial data are insufficient or even not reliable. Thus, when…
Risk assessment is a substantial problem for financial institutions that has been extensively studied both for its methodological richness and its various practical applications. With the expansion of inclusive finance, recent attentions…
There is a massive underserved market for small business lending in the US with the Federal Reserve estimating over \$650B in unmet annual financing needs. Assessing the credit risk of a small business is key to making good decisions…
SMEs constitute a very large part of the economy in every country and they play an important role in economic growth and social development. SMEs are frequent targets of cybersecurity attacks similar to large enterprises. However, unlike…
Digital transformation challenges financial management while reducing costs and increasing efficiency for enterprises in various countries. Identifying the transmission paths of enterprise financial risks in the context of digital…
Small and medium enterprises (SMEs) are increasingly vulnerable to cyber threats due to limited resources and cybersecurity expertise, in addition to an increasingly hostile cyber threat environment at national and international levels.…
Predicting the bankruptcy risk of small and medium-sized enterprises (SMEs) is an important step for financial institutions when making decisions about loans. Existing studies in both finance and AI research fields, however, tend to only…
Cybersecurity is increasingly a concern for small and medium-sized enterprises (SMEs), and there exist many awareness training programs and tools for them. The literature mainly studies SMEs as a unitary type of company and provides…
The adoption of artificial intelligence (AI) offers transformative potential for small and medium-sized enterprises (SMEs), particularly in enhancing financial decision-making processes. However, SMEs often face significant barriers to…
Enterprise financial risk analysis aims at predicting the future financial risk of enterprises. Due to its wide and significant application, enterprise financial risk analysis has always been the core research topic in the fields of Finance…
Key decision-makers in small and medium businesses (SMBs) often lack the awareness and knowledge to implement cybersecurity measures effectively. To gain a deeper understanding of how SMB executives navigate cybersecurity decision-making,…
Small and medium-sized enterprises (SME) are considered more vulnerable to cyber-attacks. However, and based on SMEs characteristics, they do not adopt good cybersecurity practices. To address the SMEs security adoption problem, we are…
Small and Medium Enterprises (SMEs) are pivotal in the global economy, accounting for over 90% of businesses and 60% of employment worldwide. Despite their significance, SMEs are often disregarded in cybersecurity initiatives, rendering…
Nowadays, companies are highly exposed to cyber security threats. In many industrial domains, protective measures are being deployed and actively supported by standards. However the global process remains largely dependent on document…
Small and medium enterprises (SMEs) face growing cyber threats but often lack the resources and expertise needed to adopt Zero Trust Architecture (ZTA). This pilot study examines the drivers and barriers shaping SME perceptions of ZTA…
Small-Medium Businesses (SMBs) are essential to global economies yet remain highly vulnerable to cyberattacks due to limited budgets, inadequate cybersecurity expertise, and underestimation of cyber risks. Their increasing reliance on…
Effective credit risk management is fundamental to financial decision-making, requiring robust models to predict default probabilities and classify financial entities. Traditional machine learning approaches face significant challenges when…
Small and medium-sized enterprises are considered an essential part of the EU economy, however, highly vulnerable to cyberattacks. SMEs have specific characteristics which separate them from large companies and influence their adoption of…
Corporate credit rating (CCR) plays a very important role in the process of contemporary economic and social development. How to use credit rating methods for enterprises has always been a problem worthy of discussion. Through reading and…