For KTG, the owner also agreed that perceived benefits of the technology were a factor. He confirmed that “the Internet is
a platform for his business”. The respondent admitted that the Internet had a lot of benefits for the SMEs. He also stated that
the Internet had made transfer of documents in connection with his business transactions abroad easy and fast due to its
speed, and also responses were received instantly. In addition, distrust on the use of credit cards and low computer literacy
among SME owners were factors. The owner said that it was true that most handicraft SME owners/managers level of
education were very low making them difficult to accept the technology easily.