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@article{177877,
        author = {SAPTARSHI PAL and Dr. BIRINCHI PRASAD PANDA and SANJEEV BHARGAV},
        title = {SUPPLY CHAIN FINANCE : IMPACT OF INNOVATIVE PAYMENT MODELS},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {12},
        pages = {3364-3366},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=177877},
        abstract = {The increasingly volatile global business environment demands financial liquidity and working capital optimization to make a supply chain resilient and to earn firm-level competitiveness by overcoming the weakness of traditional supply chain finance (SCF) mechanisms. This study investigates the transformative impact of innovative payment models on financial flows within the supply chains. The current study is based on qualitative, exploratory research from the secondary data from credible sources to do a comparative analysis on the traditional and innovative technology-enabled SCF systems in terms of key financial indicators. The current research explored the positive impact of the suggested SCF model offering substantial improvements in liquidity management, transactional transparency, and risk mitigation. Also, the study discovered the challenges and opportunities of adopting the same and recommend large enterprises with a scope for rapid advancement, followed by small and medium-sized enterprises (SMEs) with gradual progress towards the strategic deployment of SCF technologies leading to financial resilience and sustainable growth. All it requires the investment of efforts and resources for technical infrastructure, cross-functional culture, and compliance with the local and global regulatory norms. Special attention is required to develop scalable, inclusive financial platforms to cater to the needs of SMEs and promote widespread participation in digitally enabled supply chains.},
        keywords = {Supply Chain Finance, Digital Technology, Smart Contracts, Working Capital Optimization, and Financial Risk Management.},
        month = {May},
        }