The digital transformation of Small and Medium-sized Enterprises (SMEs) is a critical factor in shaping the global business landscape. This comparative review explores the digital transformation journeys of SMEs in the United States and Africa, highlighting their distinct challenges and opportunities. In the USA, SMEs have embraced digital technologies to enhance operational efficiency, improve customer experiences, and gain a competitive edge. The adoption of cloud computing, data analytics, and e-commerce platforms has become widespread, fostering innovation and scalability. American SMEs leverage advanced technologies such as artificial intelligence, the Internet of Things, and 5G connectivity to drive digital transformation. The digital landscape in the USA is supported by a robust infrastructure, favorable regulatory environment, and a culture of innovation. In contrast, African SMEs face unique challenges in their digital transformation efforts, including infrastructure limitations, limited access to capital, and a diverse economic landscape. However, African SMEs have shown resilience and adaptability by leveraging mobile technology, localized digital solutions, and collaborative networks. Innovations such as M-Pesa, Farmcrowdy, and Twiga Foods demonstrate how African SMEs are using digital tools to overcome challenges and drive economic growth. The role of government policies and support mechanisms is crucial in shaping the digital transformation landscape for SMEs in both regions. Regulatory frameworks, funding initiatives, and skill development programs are essential for fostering inclusive and sustainable digital growth. The digital transformation of SMEs is a dynamic process with distinct nuances in the USA and Africa. While American SMEs benefit from advanced technological infrastructures, African SMEs showcase resilience and adaptability in leveraging digital tools to overcome challenges. Understanding these diverse trajectories is essential for policymakers, businesses, and researchers seeking to foster inclusive and sustainable digital growth globally. The future of digital transformation for SMEs will depend on investments in digital infrastructure, supportive policy frameworks, and the development of digital skills. Collaborative efforts between governments, the private sector, and international organizations will be crucial in ensuring that digital transformation is inclusive and sustainable for SMEs worldwide.The digital transformation of Small and Medium-sized Enterprises (SMEs) is a critical factor in shaping the global business landscape. This comparative review explores the digital transformation journeys of SMEs in the United States and Africa, highlighting their distinct challenges and opportunities. In the USA, SMEs have embraced digital technologies to enhance operational efficiency, improve customer experiences, and gain a competitive edge. The adoption of cloud computing, data analytics, and e-commerce platforms has become widespread, fostering innovation and scalability. American SMEs leverage advanced technologies such as artificial intelligence, the Internet of Things, and 5G connectivity to drive digital transformation. The digital landscape in the USA is supported by a robust infrastructure, favorable regulatory environment, and a culture of innovation. In contrast, African SMEs face unique challenges in their digital transformation efforts, including infrastructure limitations, limited access to capital, and a diverse economic landscape. However, African SMEs have shown resilience and adaptability by leveraging mobile technology, localized digital solutions, and collaborative networks. Innovations such as M-Pesa, Farmcrowdy, and Twiga Foods demonstrate how African SMEs are using digital tools to overcome challenges and drive economic growth. The role of government policies and support mechanisms is crucial in shaping the digital transformation landscape for SMEs in both regions. Regulatory frameworks, funding initiatives, and skill development programs are essential for fostering inclusive and sustainable digital growth. The digital transformation of SMEs is a dynamic process with distinct nuances in the USA and Africa. While American SMEs benefit from advanced technological infrastructures, African SMEs showcase resilience and adaptability in leveraging digital tools to overcome challenges. Understanding these diverse trajectories is essential for policymakers, businesses, and researchers seeking to foster inclusive and sustainable digital growth globally. The future of digital transformation for SMEs will depend on investments in digital infrastructure, supportive policy frameworks, and the development of digital skills. Collaborative efforts between governments, the private sector, and international organizations will be crucial in ensuring that digital transformation is inclusive and sustainable for SMEs worldwide.