The subject of this dissertation is to determine the level of acceptance of digital technologies in micro and small organizations. There is a lack of research in the existing literature that would move away from existing models and theories and explain the reasons for the adoption of digital technologies in micro and small organizations. It was noticed that research on the acceptance of digital technologies in micro and small organizations needs to focus on moderating factors, the effect of which has been neglected in existing research. The relationship between perceived financial risk, perceived security risk, perceived loss of time, perceived government pressure, and the level of knowledge of decision-makers with the acceptance of digital technologies were explored. The influence of the pressure from market participants and crisis circumstances on the level of knowledge of decision makers in organizations was also researched. The focus of the research was to explore the moderating effect of the organization's digital maturity and competitive priorities on the relationship of factors (perceived security risk, perceived loss of time, perceived government pressure) with intent to accept. As well as to explore the moderating effect of the decision-maker's decision- making style on the relationship between the pressure of market participants and crisis circumstances with the level of knowledge of the decision-maker. Research on the moderating effect of digital maturity, competitive priorities and decision- making style has contributed to the development of a new model of digital technology acceptance, thus expanding current knowledge about digital technology acceptance in micro and small organizations. The model was tested on the acceptance of two digital technologies: cloud computing and smart contracts. Four hundred and thirty-two (432) micro and small organizations in the Republic of Croatia participated in the research.