THE INFLUENCE OF MICRO AND SMALL DEVELOPMENT WITH A NON-FORMAL EDUCATION MODEL AND COMPETITOR PRESSURE ON BUSINESS ACTORS READINESS TO ADOPT TECHNOLOGICAL TRANSFORMATION. icsema [Internet]. 2026 Aug. 10 [cited 2026 Aug. 22];2(1):2368-79. Available from: https://proceeding.soedirmanunsoed.com/index.php/icsema/article/view/957