as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
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generate a list of top challenges for startups in 2021.
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a list of top challenges for startups in 2021 include: 
- attracting and retaining customers
- securing sufficient funding
- navigating complex regulations
- developing a competitive edge 
- establishing a strong brand 
- building an effective team 
- staying agile and innovative
- addressing cyber security risks 
- growing amidst a global pandemic
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