The report
In a world-first study, we applied behavioural science to identify the key behavioural barriers that might hinder small businesses in choosing to adopt new technology. In this report, you’ll read our findings, including insights specific to each country we surveyed, as well as recommendations that can help small businesses take one step in their tech journey.
The human barriers to technology adoption
Xero has harnessed the power of behavioural science to produce a global landmark study on the behavioural barriers small businesses face in adopting technology and how to help them to overcome these.
Download the report
The quiz
Tech adopter or delayer? Does risk make you want to dive in or opt out? When faced with numerous empty parking spaces, do you feel freed or frozen? Take our quiz to find out what sort of behavioural barriers you face most often and how these might affect the way you adopt technology in your business. No pressure, no push – just one thing to think about.
Take the quiz
Meet the mindsets
Get to know the three common mindsets that frequently hold small businesses back from adopting new technology:

It’s good enough
You’re comfortable with the way things are, so why change? Find out why “good enough” may not always be as safe as it seems.
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It’s too risky
The risks always seem to outweigh the rewards, but do they really? Learn how to assess the challenges of change with greater clarity.
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It’s hard to choose
So many options, so many details – what’s a small business owner to do? Discover how to unstick yourself and take charge of your tech for good.
Find out more