The small and medium-sized enterprises (SMEs) market is currently at a strategic crossroads, marked by an accelerated digital transformation. The integration of artificial intelligence (AI) and cloud computing continues to reshape SME operations, offering significant opportunities for competitiveness and operational efficiency. However, this transition is not without challenges. SMEs must navigate a complex environment, where cybercrime risks are increasing and regulatory requirements are rapidly evolving. The enforcement of the AI Act in Europe, for example, imposes new AI governance obligations, necessitating rapid adaptation by businesses.