<prompt> tafadhali geuza maudhui haya ya swahili kwenda kwa kiingereza.katika hilo, viongozi wa mifuko ya hifadhi ya mafao ya jamii na serikali hawatakwepa lawama za kuchangia kudhoofisha hali ya maisha ya wafanyakazi na familia zao.  <response>: consequently, investors, owners and managers have not had the motivation to digitalise their business and processes. 