Trade credit, as a form of supply chain finance, can alleviate the financing pressure of small and medium-sized enterprises. However, it also presents certain drawbacks, such as the risk of retailer bankruptcy or delayed payments. The introduction of blockchain (BCT) and artificial intelligence (AI) technologies can ensure that retailers repay their debts promptly, and offer additional benefits, such as enhancing consumer trust in products, improving the accuracy of predictions, and reducing the costs associated with BCT usage. This paper constructs a supply chain consisting of a financially constrained retailer and a supplier to analyze and model the decision-making processes under four scenarios: with or without the use of BCT and AI. Through calculations, it is found that the integration of BCT and AI into the supply chain significantly influences the decision-making of both retailers and suppliers.