PÉREZ CAMPDESUÑER, REYNER FRANCISCOREYNER FRANCISCOPÉREZ CAMPDESUÑERSÁNCHEZ RODRÍGUEZ, ALEXANDERALEXANDERSÁNCHEZ RODRÍGUEZMARTÍNEZ VIVAR, RODOBALDORODOBALDOMARTÍNEZ VIVARMANCIATI ALARCON, ROBERTO XAVIERROBERTO XAVIERMANCIATI ALARCONMargarita De Miguel GuzmánGARCIA VIDAL, GELMARGELMARGARCIA VIDAL2026-02-092026-02-092026-01-14https://doi.org/10.3390/jrfm19010064This study analyzes the socio-cultural and behavioral determinants of FinTech adoption and access to credit among Ecuadorian SMEs. A probabilistic sample of 600 firms, operating in the services, commerce, information and communication technologies (ICT), and industry sectors, was surveyed to ensure representation of the country’s productive structure. The model integrates financial literacy, institutional trust, and perceived accessibility as key independent variables, with FinTech adoption as a digital behavioral factor and access to credit and credit conditions as the primary dependent outcomes. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), complemented by multi-group invariance tests and cluster analysis, the study evaluates seven hypotheses linking cognitive, perceptual, and digital mechanisms to financing behavior and firm performance. Results show that financial literacy and institutional trust significantly improve access to formal credit, with perceived accessibility acting as a partial mediator. FinTech adoption enhances credit conditions but remains limited among micro and small firms. Based on these findings, the study recommends strengthening financial education programs, simplifying credit procedures to reduce perceived barriers, and developing trust-building regulatory frameworks for digital finance. The results highlight the importance of socio-cultural and behavioral factors in shaping SME financing decisions and contribute to the understanding of financial inclusion dynamics in emerging economies.endigital financefinancial inclusionfinancial literacyinstitutional trustLatin AmericaPLS-SEMSME creditsocio-cultural factorstext::journal::journal article