FinTech and SME Financing Constraints in Developing Economies: Complementarity, Substitution, and the Limits of Digital Credit. Advance Journal of Econometrics and Finance, [S. l.], v. 4, n. 2, p. 917–924, 2026. DOI: 10.63075/tht34a64. Disponível em: https://ajeaf.com/index.php/Journal/article/view/373. Acesso em: 16 jun. 2026.