Gajghate, Milind, and Bhairavee Bhagadkar. 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):588-92. https://doi.org/10.65521/ijrdmr.v15i2.4675.