Many UK small and medium-sized enterprises know digital tools could help them work faster, serve customers better, and cut waste. Yet plenty still run core tasks through spreadsheets, inboxes, paper forms, ageing software, and workarounds only one person truly understands. This is not because SME owners are careless or anti-technology. Most are practical. They invest when the value is clear, the risk feels manageable, and the timing makes sense. The problem is that digital adoption often...