Firm Characteristics: Both companies accepted that lack of qualified staff to develop and support e commerce website was a
factor affecting them. Low Internet and e-commerce usage by customers, suppliers and competitors was not applicable to FAAW because most of its major customers used the technologies. This factor affects KTG even though the company has
foreign customers, since some of its customers, supplies and competitors are local people who have low usage of the
technologies. Lack of skills among consumers needed in order to use the Internet did not affect any of the company. Lack of
access to computer, software and hardware did not affect FAAW however, they did affect KTG. Again, low bank account
and credit card penetration as well as unconvincing benefits to the company were not applicable to any of the company.