90% of the World’s Businesses Are SMEs and MSMEs—And AI Is Reshaping Both Their Future and Their Risk

Every year on June 27, the world marks the United Nations International Day for Micro, Small and Medium-sized Enterprises (MSME Day). This year’s theme — “The Future Generation of MSMEs: An AI-Driven Future” — could not be more timely, because what I’m seeing on the ground is a story very different from the one we usually tell ourselves about how technology spreads.

We tell ourselves a tidy story about how technology spreads. The big enterprise goes first. Pilot projects, a steering committee, a budget line. Everyone else catches up a few years later, once it’s safe. The Internet spread roughly like that. Cloud and Security were similar.

AI isn’t spreading like that.

I spend most of my time talking to the businesses living this transition, both big and small, and what I see on the ground is the inverse of the story. The 25-person accounting firm, the regional logistics company,...

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