The Role of Financial Technology in Improving the Profitability

Mounzer, A. Mourhij (2025) The Role of Financial Technology in Improving the Profitability. INTI JOURNAL, 2025 (46). pp. 1-6. ISSN e2600-7320

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Abstract

This study investigates how FinTech transforms traditional bill discounting—a process characterized by prolonged settlement times, high operational costs, and limited accessibility that constrain business liquidity and profitability. Employing a descriptive-analytical approach with primary data from Syria's unique economic landscape, the research demonstrates that digital bill discounting streamlines trade credit, accelerates settlements, reduces costs, and enhances transactional trust. These operational improvements significantly boost sales, optimize liquidity management, and improve profitability margins across all stakeholders. As a pioneering empirical examination of bill discounting digitalization within the Syrian context, this research provides novel insights for modernizing banking services and fostering sustainable economic growth through targeted financial innovation in challenging environments.

Item Type:	Article
Uncontrolled Keywords:	Financial Technology, FinTech, Trade Credit, Bill of Exchange, Profitability
Subjects:	H Social Sciences > H Social Sciences (General) H Social Sciences > HB Economic Theory H Social Sciences > HF Commerce Q Science > QA Mathematics > QA75 Electronic computers. Computer science
Depositing User:	Unnamed user with email masilah.mansor@newinti.edu.my
Date Deposited:	12 Nov 2025 01:34
Last Modified:	12 Nov 2025 01:34
URI:	http://eprints.intimal.edu.my/id/eprint/2205

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