Technology: your CRM database does not pull your segments in a reasonable time window? Your hardware is screeching under the load at peak times? Your bitpipe was built for a company half your size?
People: CYA is the official mantra everyone adopts? Control is not properly distributed so even petty decisions require C-level oversight? Your frontline people are the ones who know the least about your products? Your product and marketing people are the ones who know the least about your customers?
Knowledge: You do not collect enough data? You collect the wrong kind of information? Employee attrition practically prevents accumulating best practice? Frequent change in focus require constant learning and prevent knowledge from maturing companywide?
What is your poison?