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”. International Journal of Advance Scientific Research 5, no. 12 (December 21, 2025): 26–38. Accessed January 23, 2026. https://sciencebring.com/index.php/ijasr/article/view/1088.