It has now been established that Small and Medium-Sized Enterprises (SMEs) play a significant role in job creation, providing a conducive environment for innovation, and utilizing Small-scale financial resources. Given the importance of these Enterprises in the country and the shortage of financial resources—which can ultimately weaken their performance—addressing the issue of SME financing is deemed essential. Accordingly, the purpose of the present study is to examine the impact of financial technology on the financing of SMEs by banks. From the perspective of its objective, this research is applied in nature, and in terms of data collection method, it is descriptive-correlational, employing regression testing and structural equation modeling. The statistical population comprises 460 SMEs in the city of Karaj, from which a sample of 210 Enterprises was selected based on the Morgan table. Ultimately, to increase confidence in the research results, 420 questionnaires were distributed among company managers and deputies, given their relative familiarity with the research variables. Data were analyzed using SPSS 26 and Smart PLS 3 software. The results indicated that the dimensions of financial technology—namely mobile banking, electronic services, and internet banking—positively influence the financing of SMEs. Furthermore, financial technology alone has a substantial impact on SME financing, with the magnitude of this effect measured at 76%.

Enormous loss of production time in machining, handling and assembly operations is caused mainly by resources’ unavailability. For this reason companies, both large and Small, should optimize the production processes with the detection and elimination in advance of the majority of possible mistakes and disturbances that could cause deadlocks in the production process. The optimization tools which are available on the market are usually too expensive for Smaller companies, which search for their competitive position in Small quantity production. Therefore, a low cost simulation tool for the optimization of the resource present management is presented in this paper, where resources are treated as one of the main parameters in the production process and which could also enable Smaller companies to optimize their production processes from the resource presence viewpoint.

Objective: The purpose of the present study was to examine the competitiveness and growth of Small and Medium-Sized sports businesses.Method: The research method was quantitative (descriptive-correlational) conducted in two phases of Delphi and survey. The statistical population consisted of faculty members of the faculties of physical education and management with specialization in sport entrepreneurship and business management. In the first step, the researcher identified and categorized by comparative study of conceptual model of exogenous factor relationships in the form of 9 main factors and 23 items; endogenous factors in the form of 8 main factors with 48 items and competitiveness index in 9 dimensions with 28 items in sport business level. Then a Delphi panel of 21 accredited sports business experts and ultimately 180 sports business owners responded to the tool.Results: The results of structural equation modeling analysis showed that the effect of exogenous factors on competitiveness and growth of businesses had more effect on endogenous factors than on endogenous factors, respectively. Generally, customer satisfaction, productivity, future capabilities, financial indices, contract growth, employee satisfaction, community satisfaction explained significantly constructs of competitiveness.Conclusion: The conceptual model of competitiveness mutual relations creates a new approach in the analysis of competitive variables and enables managers to better understanding the relevance of competitiveness factors and indices to the development of an internal competitiveness measurement system for sports businesses to analyze performance and factors of their competitiveness.

development of successful strategic marketing programs for the commercialization of new technology represents a challenge for Small and Medium Sized technology-based firms. The mechanics of developing successful marketing strategies for technological innovations is a complex process from design to implementation. Technology-based SMEs play an important role in facilitating the “knowledge-based” or “smart” economies. However, technological superiority is not a guarantee for the success of a high-tech SMEs. Instead, the odds of success are maximized by a combination of technology superiority and marketing capability. In this paper, the characteristic of technology-oriented Small and Medium Enterprises have examined according to the published key studies in the field of Small and Medium Sized companies, the factors and barriers to the success of the companies mentioned briefly and given that marketing has been diagnosed as one of the success factors of technologybased Small and Medium Enterprises, we reviewed the challenges and solutions of technology marketing to remind the managers of these companies that the success of a pure technology will not ensure the success of the company and marketing as one of the key elements and critical component of the success of technology-based Small and Medium Enterprises should be a priority in their activities.