The Survival Trap: A Behavioural Typology of SME Digitalization and the Human Capital Paradox in Poland

Authors

  • Nijat Hajiyev

Abstract

This study challenges the size-based determinism of traditional digital maturity models by proposing a behavioural typology of SME digitalization. It investigates whether “strategic intent” and “resource complementarity” are stronger predictors of digital maturity than firm size alone. A quantitative survey was conducted with 392 Polish SMEs using K-Means clustering analysis. The study identifies distinct behavioural profiles based on strategic mindset, digital adoption, and performance outcomes. The analysis reveals three distinct clusters: ‘The Survivalists’ (Cluster 0), who are trapped in a low-maturity equilibrium due to a lack of absorptive capacity; ‘The Strategic Innovators’ (Cluster 1), who leverage dynamic capabilities for growth; and ‘The Transients’ (Cluster 2), a transitionary group. The findings confirm that digital maturity is driven by behavioural factors (mindset, skills) rather than firm demographics. The study contributes to the Resource-Based View (RBV) by identifying the “Human Capital Paradox”, where funds are available but skills are not, and introduces a non-linear typology that explains why some SMEs stagnate despite having access to technology.

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Published

2025-12-19

How to Cite

Hajiyev, N. (2025). The Survival Trap: A Behavioural Typology of SME Digitalization and the Human Capital Paradox in Poland. The Journal of Accounting and Management, 15(3), 206–214. Retrieved from https://www.dj.univ-danubius.ro/index.php/JAM/article/view/3792

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