Small and medium businesses are crucial for reducing poverty and creating jobs, but they struggle to get financial support in developing countries. Banks are often hesitant to lend to them, especially in emerging economies like Pakistan. However, digital micro financial services offered by some micro finance banks have made it easier for these businesses to manage their money. Research shows that using digital financial services helps SME owners handle their transactions and finances more efficiently. To boost economic growth through SMEs, it's important to make digital financial services cheaper and offer more financial products online.