What’s the biggest challenge the business industry is facing?

Whether it's a big coperate company or a startup, when it comes to business we all face challenges and struggles.And how we respond to those challenges can either determine the success or failure of our business. So guys in your point of view What’s the biggest challenge the business industry is facing?

1. Funding & Cashflow
2. Productivity & Overheads
3. Processes
4. Time & Fatigue
5. Marketing
6. Motivation
7. Changing Technology

Guys in the above list which is the biggest challenge the business industry is facing?