Furthermore, lack of qualified staff to develop and support e-commerce website, low Internet and e-commerce usage by
customers, suppliers and competitors as well as lack of access to computer, software and hardware were factors from firm characteristics which affected KTG. The respondent admitted some of his staff, customers, suppliers and competitors were
not familiar with the technology. Purao and Campbell (1998) suggested that one of the main issues that SMEs face involved
unfamiliarity with the internet. Cloete et al (2001) reported several factors which affected the adoption of e-commerce
which include lack of access to computers, lack of access to hardware and software.