Gajghate, M., & Bhagadkar, B. (2026). AI Adoption: How Small and Medium-Sized Enterprises (SMEs) Are Leveraging Generative AI for Business Decision-Making and Cost Reduction. International Journal on Research and Development - A Management Review, 15(2), 588–592. https://doi.org/10.65521/ijrdmr.v15i2.4675