## 3 Results
### Results of the Qualitative Study
#### 3.2.1 Technology Perspective  
The technological perspective has identified six factors that influence SMEs' views towards CC: security, technological availability, IT flexibility, reduced IT investment costs, and the strategic importance of IT. The remaining three factors--deferral option, uniqueness, and asset specificity--were not indicative for the respondents. Out of 15 respondents, 12 identified security as crucial for the implementation of cloud services. Contrary to previous research, during interviews, experts positively evaluated the security factor. As SME1 stated, \"Thanks to cloud services, the security of company data is at a significantly higher level than we can provide with our resources\". Similarly, SME6 emphasized the importance of security, stating, \"After the cyber attack on government institutions, we immediately decided to use cloud services that provide greater security against current cyber threats\", indicating increased trust in cloud services for security. However, some respondents still expressed concerns about the confidentiality of their data in the cloud, expressing doubts that someone might misuse them. SME12 pointed out, \"We don't have enough data from cloud service providers about their techniques and access control protections, so there is a possibility that someone could access and analyze our data without our knowledge\". Ten respondents positively evaluated the technological availability of cloud services. Most of them particularly emphasized the need for more cloud service providers from Montenegro. SME11 noted, \"I wish the availability of cloud services offered by Montenegrin \begin{table}
\begin{tabular}{c c c c c} \hline \hline  & & & & \\ \hline
**Cluster** & **Impacting Factor** & **Medium and High** & **Low** & **Without Impact** \\ \hline \multirow{6}{*}{Technological} & Cost reduction & 6 (40.00\%) & 1 (6.67\%) & 8 (53.33\%) \\  & Strategic impact & 7 (46.67\%) & 6 (40.00\%) & 2 (13.33\%) \\  & IT flexibility & 8 (53.33\%) & 4 (26.67\%) & 3 (20.00\%) \\  & Technological availability & 10 (66.67\%) & 0 (0.00\%) & 5 (33.33\%) \\  & Security & 12 (80.00\%) & 3 (20.00\%) & 0 (0.00\%) \\  & Deferral option & 0 (0.00\%) & 1 (6.67\%) & 14 (93.33\%) \\  & Uniqueness & 0 (0.00\%) & 10 (66.67\%) & 5 (33.33\%) \\  & Asset specificity & 0 (0.00\%) & 1 (6.67\%) & 14 (93.33\%) \\ \hline \multirow{6}{*}{Organizational} & Service controlling & 2 (13.33\%) & 3 (20.00\%) & 10 (66.67\%) \\  & Roles and responsibilities & 4 (26.67\%) & 5 (33.33\%) & 6 (40.00\%) \\  & Organization size & 0 (0.00\%) & 6 (40.00\%) & 9 (60.00\%) \\  & Complexity & 5 (33.33\%) & 3 (20.00\%) & 7 (46.67\%) \\  & Effort expectation & 6 (40.00\%) & 1 (6.67\%) & 8 (53.33\%) \\  & External know-how & 8 (53.33\%) & 1 (6.67\%) & 6 (40.00\%) \\ \hline \multirow{6}{*}{Environmental} & Energy efficiency & 2 (13.33\%) & 0 (0.00\%) & 12 (80.00\%) \\  & Competitive pressure & 2 (13.33\%) & 6 (40.00\%) & 7 (46.67\%) \\  & Image & 3 (20.00\%) & 3 (20.00\%) & 9 (60.00\%) \\  & Subjective norm & 4 (26.67\%) & 4 (26.67\%) & 7 (46.67\%) \\  & Industry characteristics & 5 (33.33\%) & 4 (26.67\%) & 6 (40.00\%) \\  & Social Influence & 7 (46.67\%) & 2 (13.33\%) & 6 (40.00\%) \\  & Privacy & 9 (60.00\%) & 0 (0.00\%) & 6 (40.00\%) \\ \hline \multirow{6}{*}{Individual} & Trust & 4 (26.67\%) & 5 (33.33\%) & 6 (40.00\%) \\  & Perceived usefulness & 5 (33.33\%) & 5 (33.33\%) & 5 (33.33\%) \\ \cline{1-1}  & Perceived ease of use & 7 (46.67\%) & 7 (46.67\%) & 1 (6.67\%) \\ \cline{1-1}  & Perceived security and safety & 9 (60.00\%) & 1 (6.67\%) & 5 (33.33\%) \\ \hline \hline \end{tabular}
\end{table} 
Table 5: Evaluation of impacting factors based on semi-structured interviews. companies like/.../could be increased and more comprehensive, as it would enhance our trust in them\". As a positive example mentioned was the use of cloud services for creating electronic fiscal invoices. Regarding IT flexibility, eight respondents had favorable comments.