For example, greater investments in education and digital skills are crucial for countries to exploit the benefits of ICTs. Digital skills are not only required to develop and operate networks and systems, but also to use and benefit from digital tools and services. Other examples include: supporting governments in using ICTs for more effective and efficient systems (e.g. tax systems) and developing user-friendly digital products and services, support the development and implementation of STI policies, support initiatives in innovation and entrepreneurship, and enhancing the planning and delivery of development co-operation through greater use of digital tools. More than one-third of all concessional finance to STI is reported as “globally unallocated”.