“…Various challenges of funding and attracting investment to encourage entrepreneurship are classic problems, especially for start-up businesses, entrepreneurs are required to think creatively, dare to take risks, be independent and creative to realize business opportunities (Giudici & Rossi-Lamastra, 2018;Ibrahim et al, 2021;Rita et al, 2022). For the development of Micro, Small and Medium Enterprises (SMEs), implementing digitalization is important so that they can develop and be successful in global competition (Abdi et al, 2022;Amoozad Mahdiraji et al, 2023;Cicchiello & Leone, 2020).…”