IBM商业价值研究院：2024年中小企业金融服务报告：数据与AI助力世界经济发展（英文版）

Small and medium-sized enterprises (SMEs) form the backbone of the global economy, representing 90% of all firms, employing approximately 70% of the world’s workforce, and contributing 50% to global GDP.1 Despite their significance, SMEs face many challenges within a rapidly evolving economic landscape that demands innovative banking solutions. Realizing this, banks are seizing the opportunity to redirect costs toward investing in exponential technology and ecosystem platforms. In response to