However, many businesses, in particular SMEs, but also governments and individuals - in particular those with low or no formal education - lack the necessary skills and know-how, and financial resources to take advantage of ICTs, and to introduce the changes needed for their productive use in businesses and across society. Established businesses, in particular, may have too low incentives to invest in ICTs and in the necessary complementary KBC (in particular organisational change). One reason is that investments in ICTs can take scarce resources away from sustaining the most profitable business units, in particular when ICT investments have to be complemented with additional investments in organisational change and human capital. In addition, these investments are risky: they may not be profitable enough in the short run and are often associated with sunk costs (that cannot be recovered often due to a high degree of organisation specificities).