DIGITAL TRANSFORMATION IN SMALL AND MEDIUM ENTERPRISES IN DEVELOPING ECONOMIES: CHALLENGES AND OPPORTUNITIES

Digital transformation has become a critical driver of economic growth and competitiveness in developing economies, particularly for small and medium enterprises (SMEs). This article examines the key challenges and opportunities associated with digital transformation in SMEs across developing countries. Based on analysis of international reports, academic studies, and institutional data, the study identifies infrastructural limitations, financial constraints, and skills gaps as primary barriers. At the same time, increased access to digital platforms, financial technologies, and global markets provides significant opportunities for SME growth. The findings highlight the importance of policy support, capacity building, and technological investment in accelerating digital adoption.数字化转型已成为发展中经济体经济增长与竞争力提升的核心驱动力，尤其对中小企业（SMEs）而言。本文聚焦发展中国家范围内中小企业的数字化转型，探讨其面临的核心挑战与潜在机遇。本研究基于国际报告、学术研究与机构数据开展分析，明确将基础设施局限、资金约束与技能缺口列为主要阻碍因素。与此同时，数字化平台、金融科技与全球市场的可及性持续提升，为中小企业成长带来了显著机遇。研究结论强调，政策扶持、能力建设与技术投入对于加速数字化应用具有重要意义。