In countries of the South, the digital divide is reflected, in particular, by a lack of telecommunications infrastructure, a high cost of access to Information and Communication Technologies (ICT), the lack of adequate training and a shortage in designing local content.
Some figures illustrate the North–South gap:
In spite of the access difficulties , the web represents a major vector of the Africa development. The web remains a source of unlimited opportunities. It gives worldwide exposure to companies that can improve their competitiveness. It also allows to offset the local shortcomings to knowledge and technical training.
ICT have a significant cost that ought to be honored. This is the price that African insurers must pay in order to survive in a globalized economy.