2. Cyber-security challenges 3. Uncertainty about economic benefits 4. Lack of adequate skills in workforce 5. High investment requirements 6. Lack of infrastructure 7. Job disruptions 8. Challenges in data management and data quality 9. Lack of secure standards and norms 10. Resistance to change 11. Lack of trust 12. Customer dissatisfaction 13. Lack of stakeholder’s participation 14. Lack of collaboration 15. Coordination problems 16. Insufficient incentives to employees 17. Lack of training & domain expertise 18. Lack of data-driven decision making 19. Lack of research & development 20. Non-supportive policy ecosystem 21. Lack of awareness 22. Lack of financial constraints 23. Lack of management support 24. Resistance to change 25. Legal issue 26. Lack of policies and support from the government 27. Lack of digital culture 28. Poor data quality and management 29. Unclear economic benefits