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AI-Enabled Financial Ecosystems: Rethinking Crowd-Lending and Bank Lending for Next-Gen Entrepreneurs in Industry 5.0 Era

Year: 2025

Type: article

Abstract: Introduction: In the age of Industry 5.0, entrepreneurial finance is being reshaped by digital innovation and AI-driven platforms. As start-ups and next-generation entrepreneurs adapt to this transformation, understanding the dynamics of emerging financing options such as crowd-lending—alongside traditional bank loans—becomes essential for sustainable growth. Aims: This study investigates the evolving financial ecosystem by (1) examining the role of crowd-lending in promoting entrepreneurial finance, (2) analysing the influence of bank loans within digitally enabled economies, and (3) identifying challenges entrepreneurs face in accessing these funding sources. Problem: Despite rapid digital advancements, many entrepreneurs still face obstacles in securing capital. The relative effectiveness and accessibility of AI-powered crowd-lending versus conventional bank financing remain underexplored. Significance: The study provides critical insights into how digital finance ecosystems can empower entrepreneurs, guiding financial institutions, platform developers, and policymakers toward inclusive and intelligent financing solutions. Method & Material: Using a quantitative design, primary data from entrepreneurs were analyzed. Statistical methods assessed the impact and challenges of each financing method. Results: Crowd-lending influences entrepreneurial finance by 60.4%, while bank loans show a stronger effect (0.871 probabilities). Both face unique digital-age barriers. Conclusion: Both financing methods significantly support entrepreneurship, though bank loans exhibit a stronger influence. In the context of Industry 5.0, intelligent integration of both models is key to future-ready financial ecosystems.

Source: Zhongguo Kuangye Daxue Xuebao

Authors: Muzam, John, Mah, Pascal Muam, MBUH, Daniel Tambi, Mudoh, Mudoh Polycap, Akoko, John Ayieko, Eric, Munyeshuri, Okello, Janet Awino, ABDOUBAOUA, Mahamane Moutari

Institutions: Silesian University of Technology, Open Institute of Technology, AGH University of Krakow, University of Bamenda, University of Szczecin, Université Djibo Hamani

Language: English

Topic: FinTech, Crowdfunding, Digital Finance

Subfield: Management Information Systems

Field: Business, Management and Accounting

Domain: Social Sciences

SDGs: Decent work and economic growth, Industry, innovation and infrastructure

Open Access status: diamond

OpenAlex ID: W7220182095

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