The drivers of bank credit flow of transaction costs, credit risk management, information asymmetry, and institutional lending structure are extensively examined. Previous studies have assessed how SMEs might address their financing issues from a demand side. This study is inclined toward the supply side of financing. We aimed to determine how FinTech can counteract the effects of lending costs, information asymmetry, and credit risk management to influence the flow of bank credit to agro-processing SMEs and other entrepreneurs. A total of 399 questionnaires were collected for statistical analysis using partial least square structural equation modeling (Smart PLS). We demonstrate that FinTech as a moderator reduces the negative effects of information asymmetry and credit risk management to allow agro-processing SMEs to obtain more loans. Policymakers can use the findings of this study to improve banks' financial technology in lending activities for the sustainability of entrepreneurial activities.

This research aimed to determine how bank credit transparency increases the flow of loans by mediating the relationship between credit risk management and credit flow to agro-processing SMEs. Since previous studies favored demand-side transparency, this study aims to fill the research gap by investigating the supply side. Information was gathered using the survey method. 397 Tanzanian bank branches were approached and asked to complete the questionnaire. Partial least square structural equation modeling (PLS-SEM) was applied to analyze the data. The empirical data revealed that information asymmetry and credit risk management negatively influence bank loan flow. Institutional lending structures had a significantly positive effect on bank credit flow. Policymakers and practitioners can use the findings of this study to improve bank credit transparency to borrowers and for the sustainability of agro-processing SMEs.