The Effects of Intellectual Capital on SMEs Performance Using Financial Technology in Bangkok Metropolis and Vicinity

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Chonlanan Punpanith
Prayong Meechaisue
Wirat Sanguanwongwan
Norapol Chinuntdej


          In this dissertation, the researcher examines (1) the effects of intellectual capital on innovation, competitiveness, and the performance of small and medium enterprises (SMEs); (2) the effects of innovation on competitiveness, and the performance of SMEs; and (3) the effects of competitiveness on the performance of SMEs.

          The qualitative research approach was used by conducting in-depth interviews with five experts. In the quantitative research approach, a questionnaire was used with 400 business owners or shareholders who were members of the sample population. Quantitative data were analyzed using a structural equation model (SEM).

          Findings showed that intellectual capital exhibited positive direct effects on innovation, competitiveness, and the performance of organization. Innovation exhibited positive direct effects on competitiveness, and the performance of organization. Competitiveness exhibited positive direct effects on the performance of organization, respectively.

         From the research findings, entrepreneurs should encourage employees to use the knowledge, skills, and experiences they have to develop new things, Readiness in the aspect of assets should be prepared in order to create innovations. Technology should be used to create new products or services in order to foster competitiveness, leading to better performance


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