Aneta Ewa Waszkiewicz

Abstract This paper aims to develop a Smart Product-Service System (SPSS) model focused on a crowdfunding platform. This goal was achieved through a systematic literature review of PSS and PSS design in industry, a crowdfunding market analysis, and interactive design workshops conducted at a conference on alternative financing attended by representatives from businesses, investors, research institutions, and government agencies.

1. Introduction The small and medium-sized enterprise (SME) sector faces the greatest difficulties in raising financing for its activities, especially in the initial phase of its development. In the EU, the overall rate of financial barriers to bank credit access for SMEs has remained unchanged over the years, with SMEs using mainly self-financing, short-term credit, and to a lesser extent, state subsidies, asset-based financing and trade credit [].