On the other hand, consistent with the research at the ICT level, broadband economic impact could be mediated by a lag effect, indicating that adoption does not automatically translate into growth but that it would require the accumulation of intangible capital, defined as the changes in business processes and firm culture that lead to assimilation of improved business processes. While the deployment programmes are, as expected concentrated in the construction and telecommunications sectors, the impact of externalities are greater in sectors with high transaction costs (financial services, education, and health care). These include efficient access to information, savings in transportation and benefits in health and entertainment, and can be measured in terms of the difference between consumers' willingness to pay for the broadband service and actual prices.