Amir Saneifar - Asia Pacific University APU, Kuala Lumpur – Malaysia
Ahmad Amini - Asia Pacific University APU, Kuala Lumpur – Malaysia
Muhammad Ehsan Rana

Micro, Small and Medium Enterprises or Businesses (SME/SMB), the major economy player may have twofold role in the world of cloud computing as user and technology developer while offering specific and customized cloud services can be beneficial to both venders and users. Within this paper major SME definitions and cloud computing concepts have been reviewed. In addition to discussion of opportunities, challenges of cloud computing, characteristics and requirements of SME specific services have been proposed

SME, Cloud Computing, Cloud Payment Models, Cloud Specific Models