I agree with the noble Baroness that late payment has to be got rid of in the public sector and in the private sector. We have taken a great many steps in the public sector, including in the health service. We are now seeking to do more in the private sector. We are discussing that in the Enterprise Bill, which makes really important changes.
My Lords, I declare my interest as chair of Go ON UK. We know that online banking not only prevents fraud but enables faster payments to small businesses, yet 25% of small businesses in this country have no basic digital skills and a further 5% have no access to broadband. Will the Minister say what the Government can do to help these business which would benefit greatly from online banking and financial services?
I commend the work that the noble Baroness has done as digital champion and agree with her about the importance of digital to small businesses. As she will know from our productivity plan, we are producing a digital transformation plan because we need digital skills across the economy, government and small businesses if they are to take advantage of the opportunities the digital revolution brings.
My Lords, I agree that we have a huge role to play. The key thing is to use the digital revolution to grow and improve the curriculum so that, for the long term, you tackle inequality and help people to access the improvements in digital that will make such a big difference to their lives, while, of course, helping those who find it difficult. That is important, as this House knows.
My Lords, only 30% of small and medium-sized businesses in this country are using the web to buy or sell products online, leaving 70% of the life-blood of our economy unable to take the benefits of being online. Would the Minister like to expand on what the Government are doing specifically for small and medium-sized businesses?
I thank the noble Baroness for the opportunity to talk about the programme that we have set in train—the small business capability programme —which is helping 1.6 million small businesses to transact online by 2018; the work we are doing in employer-led reformed apprenticeships at every level, including the higher level; and, of course, the whole programme of reform that she has helped so much to push forward in Whitehall.