ADB亚洲开发银行：2025年解决柬埔寨微型、小型和中型企业采用数字技术的障碍报告（英文版）

Based on evidence from over 400 MSMEs, it shows how micro businesses are less likely to use technology in their operations and highlights how skills shortages, cybersecurity concerns, and inadequate infrastructure affect adoption. It explains the need to target women entrepreneurs and examines how a comprehensive strategy that involves personalized training, better access to digital expertise, and stronger digital finance programs can increase skills and drive inclusion.