Digital Transformation and Administration Innovation 3 Serial Number 8 2025 04 01 Presenting a Paradigmatic Model of Financial Technology in Small and Medium-Sized Enterprises in Gilan Province Presenting a Paradigmatic Model of Financial Technology in Small and Medium-Sized Enterprises in Gilan Province 1 8 10.61838/dtai.3.2.6 EN Journal Article 2024 10 03 <p>The objective of the present study was to propose a paradigmatic model of financial technology (FinTech) in small and medium-sized enterprises (SMEs). This research employed a qualitative method and was applied in nature. The statistical population included scholarly articles and documentation as well as experts such as managers in financial and banking businesses, university faculty members, and information technology specialists. Participants were selected purposefully using the snowball sampling method. Accordingly, interviews were conducted with 17 experts. The research instrument consisted of semi-structured interviews, the validity of which was evaluated using face validity, and reliability was assessed through inter-coder agreement. Thematic analysis was employed to analyze the data. Findings revealed that the paradigmatic model comprises: Causal factors including marketing mix, strategic thinking, team characteristics, communication, and interactions; FinTech outcomes including efficiency and effectiveness; Intervening factors including investment risks, trust-building, and overcoming barriers to implementation; Strategies including attracting investors, securing financing, and enhancing financial and technical knowledge; FinTech consequences including achieving personal success, creating value for society, and generating value for businesses.</p> https://www.journaldtai.com/index.php/jdtai/article/download/135/117