FROM FIELDS TO FINTECH: ANALYZING DIGITAL INNOVATION AND ITS FINANCIAL PAYOFF IN CHINESE AGRICULTURAL ENTERPRISES

Abstract

Digital technologies, from fintech and e-commerce sites to AI and the Internet of Things (IoT), are changing Chinese farming very quickly. This paper looks at how these technologies affect Chinese farms' profits, productivity, and ability to grow their businesses. We examine recent literature and analyse industry data (2018–2023) concerning Chinese publicly traded agricultural companies. Our research shows that inclusive digital finance and fintech solutions greatly increase a company's revenue and profits (Huang & Azman, 2023). Likewise, extensive digital transformation in agricultural enterprises (e.g., the integration of AI, IoT, and blockchain) enhances efficiency and profitability (Yuan, Wu, & Shen, 2025). Digital marketplaces and e-commerce channels help small farmers make more money by reaching more customers and selling more products (Guan, He, & Hu, 2024). In general, we find that fields-to-fintech innovation has real financial benefits: businesses that use digital tools report higher operating income, better yields, and access to new markets. These findings highlight the necessity of supportive policies and investments to advance the digitalisation of China's agricultural sector.