Is Your Legacy Tech Stack Killing Your Profit Margin? The Reality of Digital Debt. The Pain: Many SMEs suffer from "Digital Debt" - the accumulated cost of patchwork solutions, outdated software, and manual workarounds. According to McKinsey & Co. , CIOs report that 10% to 20% of the technology budget for new products is diverted to resolving issues related to tech debt. For an SME, this isn't just a budget leak; it’s a growth killer. The Solution: Phima Tech approaches tech