亚洲生产力组织（APO）：2025年小技术，大影响：低成本信息通信技术与中小企业生产力报告（英文版）

The report conceptualizes that the use of ICT, including mobile banking and payments, email communication, and the establishment of firm-specific websites, can help alleviate operational constraints faced by firms. These constraints include limited access to finance, high transaction risks, and elevated production and information costs. The emergence of mobile banking offers significant potential to improve firms’ access to finance. By enabling individuals, including those who are financially