Dr. Lukas Reinhardt, “Cloud-Enabled Smart Service Ecosystems and Financial Resilience in Small and Medium Hospitality Enterprises: Integrating SaaS Innovation, ICT Adoption, and Capital Structure Dynamics ”, ssms, vol. 5, no. 12, pp. 26–38, Dec. 2025, Accessed: Aug. 27, 2026. [Online]. Available: https://sciencebring.net/index.php/sqrd/article/view/68