Research on the impact of financial technology and strategic flexibility on business model innovation and implement strategy of high-tech enterprises in the context of smart economy

Under the development of the smart economy, the rapid iteration of technology and intensifying competition create an urgent need for high-tech enterprises to innovate their business models. By conducting research on past literature and statistics, this paper studies how financial technology (Fintech) and strategic flexibility impact business model innovation (BMI) in high-tech companies and their implementation strategies. This study draws four conclusions. 1. The growth of the smart economy has intensified both financing constraints and competitive pressures on high-tech enterprises, fundamentally reshaping their innovation logic. 2. Fintech influences business model innovation in both direct and indirect ways: it alleviates financing constraints while also enhancing companies’ product customization, process automation, and risk-based pricing mechanisms. 3. Strategic flexibility lays the foundation for organizations upon which business model innovation depends. 4. Business model innovation should be recognized not as a discrete project but rather as a continuous, iterative process requiring sustained organizational commitment. The findings provide further insight into the mechanisms through which Fintech and strategic flexibility impact BMI in high-tech enterprises and assist them in making wise decisions under pressure.