AI-Driven Resource Capabilities for Small Businesses: A Framework for Digital Resilience in Emerging Markets

This paper develops a conceptual framework explaining how Artificial Intelligence (AI) strengthens the digital resilience of small businesses in emerging markets. Anchored in the Resource-Based View and Dynamic Capabilities Theory, it identifies three core AI-driven capabilities—Data-Driven Learning, Adaptive Decision-Making, and Collaborative Digital Ecosystems—and integrates ethical AI and data governance as moderating factors. The study proposes six testable propositions and a 90-day managerial playbook for building AI readiness. The framework contributes to theory and practice by positioning AI as a strategic capability system for uncertainty management and sustainable growth.