The finance of small and medium-sized enterprises (SMEs) that conduct business in a wide range of jurisdictions is deeply affected by a complicated combination of various regulatory regimes, financial turmoil, and the imbalance of access to capital. The article contains a comprehensive analysis of strategic financial management techniques involving SMEs in particular, cross-jurisdiction, in a specific and to a great extent financial literacy promotion among owners and managers, popularizing fintech solutions, employing practices of strategic management accounting (SMA), obtaining alternative funds as a source of financing, and utilizing artificial intelligence (AI)-related analytics at the decision-making level. Based on an in-depth research of the latest academic literature, practitioner reports, and industry insights, the research explains the overall effectiveness of these strategies in enhancing the SME resilience, compliance with multiple regulatory regulations, and the ability to sustain in terms of long-term growth. Pragmatic suggestions are made, such as the standardization of financial reporting practices in an effort to simplify compliance, the strategic use of digital instruments in order to increase the efficiency of operations, as well as the development of cross-border relationships in order to avoid the maze of possible challenges that the financial environment of foreign markets may present.

SMEs, strategic financial management, cross-jurisdictional operations, financial literacy, FinTech, strategic management accounting