Economic Intelligence Wales commissioned Cardiff Business School to examine how FinTech affects SME access to credit and relationship banking in Wales through a survey of over 200 Welsh SMEs.
The study shows that strong, long‑standing banking relationships continue to support businesses while digital innovation is creating new opportunities for improved communication and faster access to funding.
Economic Intelligence Wales commissioned Cardiff Business School to examine how FinTech affects SME access to credit and relationship banking in Wales through a survey of over 200 Welsh SMEs.
The study shows that strong, long‑standing banking relationships continue to support businesses while digital innovation is creating new opportunities for improved communication and faster access to funding.
Economic Intelligence Wales commissioned the Enterprise Research Centre (ERC) to produce this report on the patterns, motivations, and decision-making processes of Welsh businesses making significant investments of £5,000 or more between 2019 and 2024.
The analysis shows that Welsh firms share many investment behaviours with the rest of the UK, but the informality of investment planning and evaluation in Wales could impact returns and productivity gains.
Economic Intelligence Wales commissioned the Enterprise Research Centre (ERC) to produce this report on the patterns, motivations, and decision-making processes of Welsh businesses making significant investments of £5,000 or more between 2019 and 2024.
The analysis shows that Welsh firms share many investment behaviours with the rest of the UK, but the informality of investment planning and evaluation in Wales could impact returns and productivity gains.
This is the first Economic Intelligence Wales quarterly report for 2025/26. The report reviews economic data relevant to SME development in Wales and a summary of the investment activities of the Development Bank of Wales for Q1 2025/26.
The report reviews the economic conditions which impact growth and other factors influencing SME investment as the growth of SME lending turns positive for the first time since 2021.
This is the first Economic Intelligence Wales quarterly report for 2025/26. The report reviews economic data relevant to SME development in Wales and a summary of the investment activities of the Development Bank of Wales for Q1 2025/26.
The report reviews the economic conditions which impact growth and other factors influencing SME investment as the growth of SME lending turns positive for the first time since 2021.
This is the seventh Economic Intelligence Wales annual report. The report reviews economic data relevant to SME development in Wales and a summary of the investment activities of the Development Bank of Wales for 2024/25.
Prospects for SMEs in Wales continue to be affected by factors that shape UK and international growth. These factors impact the demand for external finance for investment, industrial output, business optimism, and commercial banks' lending appetite.
This is the seventh Economic Intelligence Wales annual report. The report reviews economic data relevant to SME development in Wales and a summary of the investment activities of the Development Bank of Wales for 2024/25.
Prospects for SMEs in Wales continue to be affected by factors that shape UK and international growth. These factors impact the demand for external finance for investment, industrial output, business optimism, and commercial banks' lending appetite.
Economic Intelligence Wales has been collaborating with the British Business Bank to better understand the differences between sub-national access to finance.
The report covers results from a survey of almost 500 businesses located in Wales and found that finance use was lower when compared to other Devolved Nations.
Economic Intelligence Wales has been collaborating with the British Business Bank to better understand the differences between sub-national access to finance.
The report covers results from a survey of almost 500 businesses located in Wales and found that finance use was lower when compared to other Devolved Nations.
This final report in a long-term programme of research includes further survey evidence and a summary of the impacts of Welsh Government Covid-19 financial support to businesses.
This final report in a long-term programme of research includes further survey evidence and a summary of the impacts of Welsh Government Covid-19 financial support to businesses.
Welsh Government
