Abdallah Ali Mohammad Alrifae

Using the technology-organization-environment framework, this paper investigates elements that affect the adoption of e-commerce technology by Jordanian small- and medium-sized enterprises (SMEs). Cloud computing, logistics digitalization, and AI-driven customer engagement serve as elements for technological readiness assessment. In contrast, regulatory compliance readiness and supportive government measures are other significant factors for the study. Survey questionnaires for 425 respondents, including SME owners and managers alongside employees from different Jordanian industries, were distributed between March and July 2024 through stratified random sampling. SEM served as the model for evaluating and testing the hypotheses. The examination shows cloud computing readiness (β = 0.34, p < 0.01) combined with AI-driven customer engagement (β = 0.42, p < 0.001) along with logistics digitalization (β = 0.38, p < 0.001) to be the vital drivers that boost e-commerce adoption among SMEs. The findings show that readiness for regulatory compliance failed to impact enterprises’ adoption rates of e-commerce substantially. The government support strengthened the positive impact of technological enablers on e-commerce adoption. The research results present crucial knowledge that shows policymakers and SME managers why they should invest in specific digital infrastructure, improved financial support systems, and less complex regulatory frameworks to support successful digital transformation among Jordanian SMEs.