With the wave of technology led by artificial intelligence and cloud computing accelerating, digital technologies are deeply integrating with the real economy, making the construction of a "Digital China" a national strategy (Stefano et al., 2021). At the enterprise level, a significant marker of the shift from traditional industrial systems to advanced digital systems is digital transformation (Liu et al., 2011). Simultaneously, a series of digital technologies have shaped consumers' digital consumption habits. To adapt to this change, enterprises have embarked on customer value-centric digital transformation. In March 2024, the Government Work Report for the first time proposed "accelerating the development of new quality productive forces," emphasizing the vigorous promotion of innovative development in the digital economy and advancing digital transformation across industries, particularly in manufacturing and services. It is evident that technological innovation centered on digital transformation has become a major strategic direction (Agarwal et al., 2010). For enterprises, facing increasing environmental uncertainties, adopting digitalization has become an inevitable choice for both short-term breakthroughs and long-term development.

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Keywords: Supply chain finance, Enterprises, Digital transformation.