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While research projects from universities, state agencies and major enterprises play an important role, groundbreaking ideas and new business models are mostly created by small groups of individuals. Compared to other regions, Europe is often seen as lagging behind when it comes to a flourishing start-up scene. Experts explain this deficit with a lack of digital skills, marketing problems due to various languages and cultures, a fragmentation of European markets, a low level of funding and a different attitude towards risks.