Abdel Monem Ghrairi Monem, “Examining the Enterprise Resource Planning (ERP) Systems in Tunisian Small and Medium Enterprises (SMEs) during Covid-19: From IoT and AI Perspectives”, IJFIN, vol. 37, no. 3, pp. 37–53, Jun. 2024, Accessed: Dec. 11, 2025. [Online]. Available: https://ijfin.org/index.php/ijfin/article/view/IJFIN_003_37_3_2024