FinTech-Driven Supply Chain Finance Solutions: Enhancing Liquidity Access, Cash Flow Stability, and Credit Risk Mitigation in Globalized Value Networks

Supply Chain Finance solutions which utilize Financial technology analyze their effectiveness in providing improved liquidity access as well as cash flow stabilization together with credit risk management in worldwide value systems. The researcher explores how three financial technologies including blockchain and artificial intelligence and real-time analytics transform standard Supply Chain Finance procedures. The researcher used both survey results from 120 financial professionals in diverse sectors and semi-structured interviews with 15 respondents.FinTech technology improves financial agility because it supports efficient payment processing together with better visibility of working capital and reduces cost expenses. The common obstacles to adoption primarily affect SMEs operating in developing markets because they face both insufficient digital connectivity alongside regulatory policy hurdles. The combination of qualitative research findings elevates the role of FinTech technology in ESG-financed funding as well as supplier risk measuring systems.The research suggests that digital supply chain finance solutions create a method for building stronger resilient worldwide supply relationships. SMEs will benefit from structured digital financing regulation which policymakers must establish and support with financing programs. Research on FinTech demand more evaluation of its value across various industries and needs to track performance beyond short-term metrics as well as integrate financial technology solutions with sustainable development initiatives.