Digitalization does not begin with complex systems. It begins with clarity. Start by structuring your documents, simplifying key workflows, and connecting the tools you already use. Focus on processes that deliver visible impact within months, not years.
Our team is happy to guide you through the next steps.
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A practical report for SMEs navigating document automation, compliance, and AI adoption.
Built with industry associations and experts, this report helps SMEs (small and medium-sized enterprises) move from isolated tools to integrated, document-driven processes.
EU & Czech SME digital maturity benchmarks
Where digitalization fails and how to fix it
Document compliance in the EU
Priority processes to digitalize in 2026
Practical automation playbook
What’s inside the report
Table of Contents
This report is structured into ten focused sections that guide SMEs from understanding digital maturity to implementing structured, document-driven processes with measurable impact.
Key Findings and Trends
State of Digitalization in Europe
Why Digitalization Fails or Succeeds
Business Cases
Documents in the EU
Priority Processes to Digitalize
Sector Snapshots
Where to Start with Digitalization
Document Automation Playbook
With thanks to our contributing partners and experts.
Industry Perspectives
The following insights reflect real implementation experience across finance, AI, compliance, and document automation.
Ondřej Mikulčík
Member of the Board, Czech Wealthtech Association
"Financial services lead in customer-facing digitalisation. Over 85% of EU citizens use digital banking, and more than 90% of retail payments are initiated electronically. In Czechia, digital banking adoption exceeds 80%, above the EU average."
Zdenka Konečná
Associate Professor, Brno University of Technology
"Many SMEs reach a basic level of digitalization by adopting individual tools, but struggle to move further due to missing leadership alignment. When leadership does not actively steer digital change, technology adoption stalls at an intermediate level and fails to translate into measurable business value."
Andrej Gono
CEO, Citymind
“Companies are often afraid that they don't have the experience, strategy and data for AI. This is often true, but it's not a problem. Start with AI anyway and it will show you where your gaps are and how to improve them."
Matej Havlas
AI Architect, Gebauer & Griller
"Many organizations attempt to solve productivity challenges by introducing AI tools before employees fully master basic digital tools. When fundamentals such as Excel, Word, or structured data handling are weak, AI does not act as a multiplier, but as a workaround for missing skills. AI is then treated as a universal solution, compensating for unclear processes, poor data quality, and limited digital literacy."
Barbora Vališová
Project Manager AI Lead, Aricoma Digital
"High meeting frequency and fragmented follow-ups were limiting project managers’ ability to focus on value-driven work. The solution introduced AI-assisted meeting summaries with a role-based, structured format, maintained in Markdown and continuously refined within AI-supported environments. This approach improved continuity, ownership, and long-term reusability of project knowledge."
Peter Hrubša
Head of Sales, Fitek
"From our experience across 28 countries, e-invoicing is rarely just a format change. It affects internal workflows, accounting logic, and system integration. Companies that prepare their processes in advance move faster and avoid unnecessary audit and VAT risks."
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