Cloud-Enabled Smart Service Ecosystems and Financial Resilience in Small and Medium Hospitality Enterprises: Integrating SaaS Innovation, ICT Adoption, and Capital Structure Dynamics . SciQuest Research Database, [S. l.], v. 5, n. 12, p. 26–38, 2025. Disponível em: https://sciencebring.org/index.php/sqrd/article/view/68. Acesso em: 22 mar. 2026.