“…Businesses of all sizes, including Micro, Small, and Medium-sized Enterprises (MSMEs), play a critical and important part in the development of a country's economy (Amankwah-Amoah, Khan, & Wood, 2021;Bouwman, Nikou, & de Reuver, 2019;Paik, Kim, & Park, 2017;Prasetyo & Kistanti, 2020;Pu, Qamruzzaman, Mehta, Naqvi, & Karim, 2021;Ramli, Firdaus, Arief, & Setiawan, 2019;Tiago, Gil, Stemberger, & Borges-Tiago, 2020). The critical role of MSMEs not only contribute significantly to economic growth and employment, but they also play an essential role in the distribution of development outcomes and benefits (Amankwah-Amoah et al, 2021;Bouwman et al, 2019).…”