Small businesses make up some 90-95 percent of all global firms. Many undervalue the importance of information and communication technology (ICT). Within the small business segment there can be significant differences amongst the avid early adopters of ICT and the laggards. Research on early adopters tends be more prevalent as they are perceived to have a more interesting and positive story. However, late adopters and ‘laggards’ also have their own interesting stories that are under-report...