Financial innovations like crowdfunding and mobile payments can help more people and businesses access finance. These new technologies can make it easier for those who don't have a credit score or bank account to join the financial market. However, just because these technologies exist doesn't mean all businesses benefit equally. A study of 29 European countries found that in most cases, countries with higher rankings in financial technology also have fewer businesses struggling to access finance. But some countries don't follow this trend, showing that factors other than financial innovation can affect how easily businesses can get financial support.