This study evaluates the economic efficiency of no-code development platforms using mathematical modelling and comparative scenario analysis. Traditional and no-code development approaches are compared in terms of initial cost, maintenance cost, development time, productivity, return on investment (ROI), net present value (NPV), and approximate payback period. The analysis assumes a six-month evaluation horizon, a gross economic benefit of USD 4,500, and a 10% discount rate. The results indicate that the no-code approach reduces total six-month costs by 85% and development time by 83.3%. The calculated ROI equals 40.6% for traditional development and 837.5% for no-code development. The corresponding NPV values are USD 890.9 and USD 3,610.9. These findings suggest that no-code tools may provide substantial economic advantages for repetitive, standardized, and moderately complex business processes, although platform dependence and limited support for complex algorithms remain important constraints.

The article examines current issues of implementing innovative technologies in small business activities. The impact of innovative technologies on small business development and ways to increase its efficiency are considered. The effectiveness of key digital technology applications in small business - e-commerce, CRM and ERP systems, cloud services, online banking, and automation systems - has been substantiated. Based on the research results, practical recommendations for innovative development of small business have been developed.