teenus, mis on orienteeritud lõpptarbijale ja mille pakkumine on teadmusmahukas, a class of learning-productive organizations that focus on end-use services. These comprise private service firms that develop combinations ofharderandsofterforms of innovation to transform themselves and their stakeholders. They can offer sophisticated capital goods (e.g. medical devices) and are creative users of high-tech assets (such as information and communications technology – ICT) in degrees comparable to other service sectors such as telecommunications, finance and professional services usually known as knowledge-intensive business services (KIBS)