An innovative model describing the convergence of technology use at the micro level is introduced. ICT (information and communication technology) ownership, measured as the number of smartphones within a household, depends upon socioeconomic character- istics, such as income, education,...

Chapter 1: Introduction -- Chapter 2: Development of MSMEs and Their Main Constraints -- Chapter 3: Internationalization -- Chapter 4: Women Entrepreneurs -- Chapter 5: MSMEs in Times of Economic Crisis Chapter 6: Development of Financial Technology with Reference to Peer-to-Peer (P2P) Lending...