Cletos Garatsa & Bongani Innocent Dlamini 2022. The Assessment of the Application of the TOE Framework by SMEs in KwaZulu Natal in the Adoption of CRM. Current Aspects in Business, Economics and Finance Vol. 3. (Aug. 2022), 59–73. DOI:https://doi.org/10.9734/bpi/cabef/v3/16925D.