True digital transformation goes beyond simply investing in technology Digitalization is no longer a concept of the future. It is the present reality in which businesses operate, compete, and create value. For micro, small, and medium-sized enterprises (SMEs), embracing digital transformation is not a luxury - it is essential for staying competitive, adapting to change, and ensuring long-term viability. In this fast-paced technological environment, support for SMEs must be not only timely but