Industry committee  The types of encounters we have with our customers are not about regulatory barriers. They're more about how to incorporate this within the business model. This is fundamentally more of a business-model decision.

Industry committee  If I look at the survey results on barriers to e-commerce adoption, regulatory barriers are not identified at all. The main element that is identified is the inappropriateness of their product or services being sold online, which is interesting because, in some cases, it is true.

Industry committee  No, I don't think the issue is about a lack of understanding on the supply side of financing. The reality of investment is such that these are all intangible assets; there is no collateral value you can associate with them. So most businesses basically end up financing this out o

Industry committee  I would say this is a living example of the increasing challenges that bankers face in supporting and financing a knowledge-based economy. How you attach collateral value to patents, IP, distribution networks, or a brand is very difficult. It's beyond what we've traditionally bee

Industry committee  I'll start at a high level and then ask my colleague to complete it. Fundamentally, what we're trying to do is based on three pillars. The first one is about how we can increase awareness around the benefits of ICT for the competitiveness of a business. This here, for instance,

Industry committee  Good afternoon. Thank you, members of the committee, for inviting us to your hearings on e-commerce. I'm pleased to share with you today what we see happening in the marketplace and then to describe what we are doing to help increase the use of e-commerce by SMEs. For those of