The impact of ensuring the competitiveness and financial stability of small business entities in the digital economy on employment

Abstract

The rapid development of the digital economy is creating new opportunities for small businesses, as well as new requirements. The effective use of e-commerce, artificial intelligence, digital marketing, and electronic payment systems is becoming an important factor in increasing the competitiveness and financial stability of enterprises. This study analyzes traditional and modern forms of financing small businesses, bank loans, microfinance, digital lending, as well as the development trends of electronic payment systems. At the same time, mechanisms for increasing the income of the population by expanding the opportunities for small businesses to use financial resources are highlighted. According to the results of the study, the development of digital financial services, simplifying the process of obtaining loans, and increasing the number of affordable sources of financing for entrepreneurial activities are considered important factors in improving the well-being of the population.