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Abstract
In our paper we discuss the financing situation of SMEs, by analyzing the impact of AI on the credit market for SME. We identify the financial frictions that exist, their causes, and possible solutions. In doing so, we consider the framework within all participants in the SME financial market operate, as well as specific processes on the supply and demand side and the transactional dimension. Of course, this paper must also consider the regulatory specifics that arise in particular from the use of AI in the lending process. The paper concludes with recommendations for SMEs, lenders, and regulators/policy makers.
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Conflict of Interest
The authors declare no conflict of interest.
Ethical Approval
Not applicable
Data Availability
The datasets used in this study are openly available at [repository link] and the source code is available on GitHub at [GitHub link].
Funding
This work did not receive any external funding.
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