According to the World Bank, small and medium-sized enterprises (SMEs) are the backbone of many economies, especially in developing countries. SMEs account for most global businesses and represent about 90% of businesses and more than 50% of employment worldwide. Due to the unstable economy in the post-pandemic era, SMEs are searching for new revenue sources and expanding their business, which is why a lot of SMEs are now aiming to utilize digital technologies to improve business efficiency and innovate business models. However, they are still at an early stage in the journey of digital transf…