Preface

Abstract

The International Journal of Commerce and Management Research Studies (IJCMRS) is pleased to present this issue, which brings together a compelling collection of research exploring how digital transformation, sustainability, and ethical practice are reshaping contemporary business and economic life.

The articles in this volume reflect a world in transition. Studies on e-commerce and digital payments highlight how technology is redefining consumer behavior, expanding market access, and opening new pathways for financial inclusion, particularly across emerging economies. Equally significant is the examination of small and medium enterprises, where digital adoption emerges not only as an engine for growth but also as a space marked by structural challenges, capability gaps, and uneven opportunities.