Demand-Side Problems (User Constraints)

• Users lack information about available solutions
• Users are unable to effectively identify their business problems.
• Users do not have the capacity to pay for solutions up front
• Users are risk averse to trying solutions.
• Users do not see the value of existing or proposed solutions
• Users want solutions packaged together

Supply-Side Problems (Provider Constraints)

• Solutions lack the benefits and features that users want
• Providers are risk averse to targeting new users, such as women or microenterprises
• Providers lack information about the users of their services and solutions
• Providers do not fully understand the cost/benefit of the solutions they provide
• Providers lack business or technical skills
• There is insufficient demand for their solutions (users do not recognize the value)
• Variable quality of solutions harms the reputation of good providers