<![CDATA[Digital transformation has become critical for SMEs in emerging economies, yet integrated studies combining AI, cloud computing, and human factors remain scarce. This study addresses this gap by developing a holistic framework for Indonesian SMEs through a systematic literature review. Using PRISMA protocol, we analyzed 46 peer-reviewed articles (2020-2025) from Scopus, IEEE Xplore, and Google Scholar, with thematic synthesis in NVivo 12. The proposed framework reveals three interdependent dimensions: (1) technological integration (AI-cloud-big data synergy), (2) process optimization (automation and analytics), and (3) human-digital leadership (competency and cultural readiness). Case studies show 35% operational efficiency gains but highlight infrastructure and skill gaps. This study contributes a novel integration of TOGAF and DCMM theories, offering policymakers a roadmap for SME digitalization while cautioning against one-size-fits-all solutions.]]>
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