Global payment technology company Mastercard, in partnership with the Union of Chambers and Commodity Exchanges of Turkey (TOBB) and Akıllı KOBİ, has released the “SME Digital Transformation Report.”
The report, based on insights from hundreds of SMEs in Turkey and a data-driven perspective, identifies key gaps, challenges, and opportunities in digitalization for small and medium-sized enterprises (SMEs).
Key Findings: Digitalization Vision is a Priority
The report reveals that while many SMEs are aware of the importance of digital transformation, gaps remain in technology investments, digital skills, and adoption of advanced tools.
- 76% of SMEs are aware of digital strategy.
- 65% have established digital transformation goals.
- 49% are both aware and willing to take steps toward digital transformation.
- 64% monitor digital strategies using performance indicators at the senior management level.
- 44% allocate a dedicated budget for digital transformation investments.
This shows that digitalization is a priority for two-thirds of SMEs, but investment and skills development still need acceleration.
Digital Leaders Emerging Among SMEs
The report also highlights the rise of digital leaders driving full digitalization:
- 63% of companies have a manager responsible for digital transformation.
- 70% believe their management is competent in digital transformation processes.
- 75% display a positive attitude toward adopting digital technologies.
- 57% continuously invest in improving employees’ digital skills.
- 53% receive consulting services for digital transformation.
- 61% consider digital skills a key recruitment criterion.
This indicates a growing culture of leadership and commitment to long-term digital transformation.
Artificial Intelligence Adoption on the Rise
The use of artificial intelligence (AI) is becoming a standout factor in SME digitalization:
- 62% of businesses possess technologies for digital applications.
- 41% design their technology budgets to adapt to changing priorities.
- 43% already use AI technologies in their business processes.
AI adoption is helping SMEs optimize operations, improve decision-making, and stay competitive in Turkey’s fast-changing business landscape.
Mastercard’s Role in Empowering SMEs
Mastercard continues to support SMEs and Turkey’s trade ecosystem with digital tools and financial solutions:
- Card payment systems enabling remote transactions and card acceptance by phone.
- Data-driven consulting services to optimize growth strategies.
- Cybersecurity solutions to protect businesses in the digital space.
- Market access packages to help SMEs expand into new territories.
Through the MasterKOBİ platform, SMEs benefit from:
- Cost reduction with special discounts and benefits.
- Data analytics for smarter customer relationship management.
- Digital solutions that streamline operations and boost competitiveness.
Driving Turkey’s SME Digital Future
The Mastercard SME Digital Transformation Report underscores the importance of financial support, training, and consulting services to bridge digitalization gaps. With Mastercard’s continued investment in payment solutions, AI adoption, and SME empowerment platforms, Turkish SMEs are well-positioned to accelerate their digital transformation journey and strengthen their role in Turkey’s digital economy.
