Which of the following is a barrier to e-commerce related to…

E-commerce barriers are grouped by where they arise relative to the organisation: internal barriers come from within the organisation's own resources and processes; external micro-environmental barriers come from the immediate market and industry context around the organisation, such as the practices of trading partners and competitors; external macro-environmental barriers come from the broader societal, technological, and cultural forces shaping the whole industry.

Among the options here, business models are the one rooted in the external market and industry context surrounding the organisation, which is exactly what defines a micro-environmental barrier.

• Internet infrastructure is a macro-environmental barrier: it is the broad technological backbone shared across the whole economy, not something specific to the organisation's immediate market.

• Culture is a macro-environmental barrier: it reflects broad socio-cultural attitudes across society, not a factor unique to the organisation's immediate industry.

• Lack of experts is an internal barrier: it is a gap in the organisation's own workforce and skills, arising from within rather than from outside it.