Small businesses are undergoing a major transformation due to the integration of Business and Financial Technology (BFT). This digital revolution has changed the way small businesses operate, strategize, and compete in the global marketplace. In the past decade, Business and Financial Technology has evolved rapidly, introducing cloud-based accounting software, mobile banking, and other innovative solutions. These advancements have provided small enterprises with access to a range of services, such as credit facilities, micro-loans, peer-to-peer lending, and crowdfunding. However, there are also challenges associated with the adoption of BFT, such as the need for businesses to stay up-to-date with the latest technologies and the potential for cyber-attacks. Despite this, the transformative influence of Business and Financial Technology on small enterprises is undeniable.