The Role of the International FinTech Market in Shaping Investment Support for Global Food Security (Actual problems of innovative economy and law)

Summary

• High costs of credit, lack of collateral, and elevated agricultural risks restrict small and medium producers from accessing capital for modernization.p.2
• The international FinTech market expands capital accumulation and financial inclusion through digital payments, online lending, crowdfunding, and digital investment platforms.p.1
• Key digital risk management mechanisms include InsurTech, parametric insurance, artificial intelligence, big data, and alternative credit scoring.p.3
• Cross-border financial flows are facilitated by digital remittances, supply chain finance platforms, international digital investment platforms, and RegTech.p.3
• Investment resources generated via FinTech must be channeled across the entire agrifood value chain, including primary production, processing, storage, logistics, and climate adaptation.p.4
• Reference literature notes an OECD report published in 2026 spanning 125 p. on consumer finance risk monitoring.p.7

Key insights

1. FinTech impacts global food security indirectly through an investment mechanism connecting capital mobilization to agrifood system resilience.p.1
2. Small and medium agrifood producers face strict borrowing barriers due to high interest rates, collateral shortages, and income seasonality.p.2
3. Parametric insurance provides automated payouts upon specified measurable events to strengthen producer resilience against climate shocks.p.3
4. Digital supply chain finance platforms provide targeted funding based on contracts, orders, and trade operations.p.3
5. The ultimate impact of FinTech depends on converting mobilized funds into productive investments rather than simply increasing digital transaction volume.p.4
6. Growing climate instability increases the need for long-term investments in precision farming, irrigation, and energy-efficient agrifood technologies.p.4
7. The performance of the FinTech investment framework depends on regulatory quality, digital infrastructure, cybersecurity, and financial literacy.p.5