Small and medium-sized enterprises (SMEs) face increasing regulatory scrutiny, operational vulnerabilities, and financial risks as digital financial platforms become more integrated and complex. This review explores the development of unified compliance intelligence models that leverage data-driven, real-time analytics to detect and prevent regulatory breaches, fraud, and operational inconsistencies across SME financial ecosystems. It emphasizes the convergence of machine learning, natural language processing, and rule-based engines to build adaptive frameworks capable of monitoring regulatory compliance, automating reporting, and flagging high-risk transactions. The paper analyzes the architectural foundations of such models, including the use of scalable microservices, API-led integrations, and federated data architectures to ensure interoperability and auditability. Key challenges addressed include fragmented compliance taxonomies, lack of centralized rule orchestration, and the need for interpretable AI models in regulatory contexts. By synthesizing current advancements in RegTech, risk intelligence, and financial automation, this review provides a comprehensive roadmap for implementing unified compliance frameworks that can scale with the evolving needs of SMEs. It concludes with best practices and strategic recommendations for improving detection accuracy, reducing compliance costs, and ensuring continuous regulatory alignment in SME digital finance platforms.