The government of a small country has made it mandatory for international banks and insurance firms to obtain the consent of individuals before exchanging their personal data with other branches of the firm in foreign countries. These firms cannot share the personal details of an individual such as income, employment details, and debt repayment histories, even with their branches in other countries, without the approval of the individual. Which barrier to the functioning of service firms is demonstrated? Multiple Choice cultural congruence controls on transborder data flows protection of intellectual property cultural requirements for adaptation language translation barriers