“…For instance, at the macro level (and generally out of control of the small enterprise) some of these obstacles are the cost of technology (Best and Maclay, 2002;James, 2003), access to telecommunications infrastructure (Murelli and Okot-Uma, 2002;Salman, 2004), lack of timely and reliable systems for the delivery of physical goods (Costa, 2001;Hawk, 2004), low bank account and credit card penetration (Hawk, 2004;Murelli and Okot-Uma, 2002), lack of uniform payment system (Aljifri et al, 2003), governmental and regulatory systems (Murelli and Okot-Uma, 2002;Ranganathan and Kannabiran, 2004) and problems with security and trust (Aljifri et al, 2003). At the micro level or business level, challenges include a lack of financial resources and knowledgeable staff (Aljifri et al, 2003;Costa, 2001), security and legal issues (Cloete et al, 2002), lack of knowledge and skills (De Boer and Walbeek, 1999;Salman, 2004) and a general lack of knowledge of the full potential of the Internet (Moodley and Morris, 2004).…”