September 28, 2026: Small and medium-sized enterprises (SMEs) across Eastern Europe, the Middle East and Africa are increasingly focusing on growth while adopting new technologies, according to Mastercard’s Dreamonomics report.

The research found that EEMEA businesses are more open to artificial intelligence and cybersecurity tools than SMEs in other regions surveyed.

At the same time, many businesses continue to value stability and long-term customer relationships as they prepare for further growth.

EEMEA SMEs Balance Growth With Stability

The report found that 59% of SMEs in EEMEA prioritise stability and predictability over rapid growth.

That compares with 70% of SMEs globally.

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Customer relationships also remain important. About 54% of EEMEA SMEs said they would rather develop deeper relationships with customers than focus on reaching the largest possible audience.

The findings suggest that many small businesses are pursuing growth while maintaining a focus on resilience and customer loyalty.

Cybersecurity Becomes a Business Priority

Cybersecurity emerged as a major priority among EEMEA SMEs.

About 78% of businesses surveyed said protecting against cyber threats is a priority.

Meanwhile, 42% said they already use cybersecurity tools.

Mastercard said the figure represents the highest adoption rate among the regions included in its research.

The findings indicate that SMEs increasingly view cybersecurity as part of their wider growth strategy rather than simply an IT concern.

SMEs Show Strong Interest in AI

Artificial intelligence is also gaining traction among businesses in the region.

According to the report, 77% of EEMEA SMEs said they are excited about the possibilities AI offers for their businesses.

The figure compares with 70% globally.

AI-powered fraud and security protection was particularly attractive, with 49% of EEMEA SMEs highlighting the area compared with 41% globally.

The findings point to growing interest in using AI not only to improve business operations but also to strengthen protection against financial and digital threats.

EEMEA Leads in Emerging Payment Methods

The report also identified higher adoption of emerging payment technologies among EEMEA SMEs.

Businesses in the region are more likely to use digital assets and newer payment methods, including cryptocurrency and stablecoins.

Onur Kursun, executive vice president for Commercial and New Payment Flows, EEMEA at Mastercard, said small businesses were increasingly embracing technology to support their growth ambitions.

He said Mastercard’s infrastructure could help businesses adopt new technologies while improving security and supporting digital development.

Mastercard Expands SME Support

Mastercard has also introduced initiatives aimed at helping SMEs manage economic pressures.

Earlier this year, the company launched Built Small. Moving Strong., a regional programme designed to support SMEs facing rising costs, supply-chain challenges and economic uncertainty.

The initiative combines financial tools and digital support to help businesses maintain operations and build longer-term resilience.

Mastercard said the programme also supports its commitment to connect and protect 500 million people and small businesses on their paths to financial health by 2030.

The Dreamonomics findings highlight the changing priorities of SMEs across EEMEA as businesses seek growth while managing cybersecurity risks, economic uncertainty and rapid technological change.