mainly centralised upon the owner(s) and manager (s) (possibly the same individual(s)) who may carry out multiple roles. Professional competencies relating to technology found in larger firms may be unavailable to SMEs. Although SMEs may be more organic, flexible and agile, the downside is that key business decisions may be overly reactive and shorter-term, com-pared to larger firms. Owner managers of SMEs may also be lessaw are of the operational and strategic benefits of technology than their larger firm counterparts