## 2 Materials and Methods
### Qualitative Measuring Instrument  
In the qualitative part of the study, the measuring instrument was a semi-structured questionnaire. The questions were open-ended, and the interview topics were based on the concepts presented in Table 1, with the key goal to investigate factors influencing the documented change in CC perception by Montenegrin SMEs. The objective of the study is to confirm or reject the factors recognized in prior studies, elaborate on their effects and, if needed, to introduce new factors that have not been identified in prior research. For that purpose, the theoretical concept of clusters of influencing factors was applied, which is the integrated model that unites the technological, organizational, and environmental framework (TOE) [80] and the individual dimension (unified theory of acceptance and use of technology--UTAUT) [81]. An overview of the clusters of factors that have been identified, shown in Table 2, is based on literature sources. The interviewees were not influenced or restricted in their responses by any prior knowledge of the list of identified influencing factors.  
\begin{table}
\begin{tabular}{c c c c} \hline \hline \multirow{2}{*}{**Concept/Variable**} & \multirow{2}{*}{**Empirical Indicator**} & **Cronbach’s Alpha** & **Cronbach’s Alpha** \\  & & **Coefficient** & **Coefficient** \\  & & **(Study 1)** & **(Study 2)** \\ \hline \multirow{3}{*}{Level of information security} & Categorical items (0—no, 1—yes). Ten items. Example: “A & & \\  & company has an official procedure for the management of & 0.837 & 0.791 \\  & physical safety of people and propriety”. & & \\  & Categorical items (0—no, 1—yes). Ten items. Example: & & \\ Reasons for adopting cloud computing & “Removing economic/expertise barriers impeding the & 0.701 & 0.607 \\  & computing & modernization of business processes by the introduction of & \\  & information technology”. & & \\ Perceived benefits of adopting cloud computing & “Categorical items (0—no, 1—yes). Ten items. Example: “Reducing the cost of investment in new ICT solutions”. & 0.823 & 0.689 \\ Perceived risks of adopting cloud computing & “Removing comfort: Four-point Likert scale items (1—not important; 4—extremely important). Twelve items. Example: “Losing control over services and/or information”. & 0.936 & 0.744 \\  & Categorical items (0—no, 1—yes). & & \\  & Five items, considered separately: & & \\ Perceived suitability of five cloud & public cloud (ownership and management is entrusted to an & & \\  & independent company), private cloud (ownership and & / & / \\  & management by the cloud service providers), partner cloud (ownership and management entrusted to the partner), a set of & & \\  & different cloud sources (partnership, private, etc.); other & & \\  & Categorical items (0—no, 1—yes). & & \\  & Five items, considered separately: & & \\ Perceived suitability of five cloud & the individual software packages (SaaS); complete operating & & \\  & layers & system and software packages available in the cloud (PaaS); & / & / \\  & only infrastructure services, such as warehouse (storage space), & & \\  & network capacity, and so on (IaaS); security cloud services; & other & \\ \cline{2-3}