Copyright © 2026 Authors retain the copyright of this article. This article is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

@article{209197,
        author = {Ms. Reeba Mariam John and Dr. Shariq Ahmad Bhat},
        title = {Digitalization as a Strategic Approach to Working Capital Optimization: An Empirical Study of SMEs in Kerala},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {13},
        number = {5},
        pages = {1350-1367},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=209197},
        abstract = {},
        keywords = {Digitalization; Digital Transformation; Working Capital Management; Working Capital Optimization; SMEs; Kerala; Financial Management Practices; Financial Literacy; Structural Equation Modelling; Fintech.},
        month = {October},
        }