| Value | Category |
|---|---|
| -9 | Don't know (spontaneous) |
| 1 | Option to complete application online was not available |
| 2 | The process was too complex |
| 3 | Lack of a reliable or secure internet connection |
| 4 | Uncertainty about the legal status of this financing mechanism |
| 5 | Reluctance to share the required business or personal data online |
| 7 | Other |
| NA |