According to Macroeconomic analysis  of the Canadian SMB sector,
a couple of interesting observation were made by Bank of Canada:
1.0 Business efficiency is unacceptably low
2.0 Operating costs are very high
3.0 Resistance to embrace Information technology and subsequent changes that it requires.
4.0 Lack of Research and Innovation within general business sector.
5.0 Monopoly in various sector makes Canada noncompetitive.
6.0 An attitude of entitlement exists in various sectors.
7.0 Service sector has an attitude of getting away with fleecing customer.
8.0 Low accountability in salary and real output of an employee and an organization.
9.0 Non existing training facility for existing employees in SMB sector.