lack of technical skill and IT knowledge among employees, heavy reliance on external consultants (who are considered by small businesses to be inadequate) to provide necessary expertise, small business require short term ROI and e-commerce is a long term and mistrust of IT industry, the lack of knowledge on how to use the technology and the low computer literacy are other contributory factors for not adopting Internet and e-commerce, equipment and the connectivity costs, culture barriers, low access and speed of the Internet, insufficient funding, a high level of perceived risk, among others.