Many individuals desire to open a money market savings account. SMEs may additionally lack managerial understanding and expertise for e-enterprise. Successful integration of e-business requires many corporations to restructure their enterprise processes, to vary organisational constructions and to redefine their core competence and positions within the value chains. So, e-enterprise tools can’t be efficiently introduced and carried out with out the visionary power and strategic decisions about easy methods to apply ICT technologies for their enterprise processes. Nevertheless, SMEs lag behind larger corporations by way of inside managerial capabilities, often having no CIO (Chief Data Officer) who can plan and implement e-business methods for them. The professional advice of IT and e-enterprise consultants will help them, but SMEs could not simply have entry to them because of comparatively high cost.