Three big shifts are reshaping it. First, AI went from "interesting" to embedded - small businesses are using it for ops, not just experiments. Second, fintech is replacing traditional banking relationships, giving SMEs faster access to capital and tools their bank never offered. Third, trade volatility is forcing even local businesses to think about supply chain resilience. The common thread? SMEs that adopt technology strategically are pulling ahead. Those waiting for things to "settle down" are falling behind.