What is happening with digitalization?

Hello everyone!

I am looking forward to understand which are the main key factors of people and companies to avoid digitalization, any idea? I will give you some ideas I have come up with:
-If you keep doing what you have always done you are in your comfort zone, so you'd rather not implement new tools in your company.
-There are too many options (such as software) and it is too difficult to choose.
-The initial investment needed it's a key barrier, maybe you'd prefer a monthly payment to share "the risk" with your partner.
-It's hard to trust your supplier.

Please share your opinion, I would love to know what are the main reasons so I can focus on trying to solve them.

Thanks in advance!