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 ”. Sciencebring Scientific and Management Studies 5, no. 12 (December 21, 2025): 26–38. Accessed August 28, 2026. https://sciencebring.net/index.php/sqrd/article/view/68.