The government of Katia has made it mandatory for international banks and insurance firms to obtain the consent of individuals before exchanging their personal data with other branches of the firm in foreign countries. These firms cannot share the personal details of an individual such as income, employment details, and debt repayment histories, even with their branches in other countries, without the approval of the individual. Which of the following barriers to the functioning of service firms is exemplified in the given scenario?

A. language translation barriers
B. protection of intellectual property
C. cultural congruence
D. cultural requirements for adaptation
E. controls on transborder data flows

Answer: E. controls on transborder data flows