Artificial Intelligence (AI) and Large Language Models (LLMs) are revolutionizing today's business practices; however, their adoption within small and medium-sized enterprises (SMEs) raises serious trust, ethical, and technical issues. In this perspective paper, we introduce a structured, multi-phased framework, "SME-TEAM" for the secure and responsible use of these technologies in SMEs. Based on a conceptual structure of four key pillars, i.e., Data, Algorithms, Human Oversight, and Model Architecture, SME-TEAM bridges theoretical ethical principles with operational practice, enhancing AI capabilities across a wide range of applications in SMEs. Ultimately, this paper provides a structured roadmap for the adoption of these emerging technologies, positioning trust and ethics as a driving force for resilience, competitiveness, and sustainable innovation within the area of business analytics and SMEs.

翻译：人工智能（AI）与大语言模型（LLMs）正在深刻变革当今的商业实践；然而，其在中小型企业（SMEs）中的应用引发了严重的信任、伦理与技术问题。在这篇前瞻性论文中，我们提出了一个结构化、多阶段的框架“SME-TEAM”，以促进这些技术在中小型企业中的安全与负责任使用。该框架基于四大关键支柱（即数据、算法、人工监督与模型架构）的概念结构，将理论伦理原则与运营实践相衔接，从而增强人工智能在中小型企业广泛应用场景中的能力。最终，本文为这些新兴技术的采纳提供了一条结构化的路线图，将信任与伦理定位为推动商业分析及中小型企业领域内韧性、竞争力与可持续创新的驱动力。