Community Research and Development Information Service - CORDIS


Although adoption of e-services in the Candidate Countries (CCs) is reported to be low (with some exceptions, such as Estonia) retail Internet banking is one of the most developed e-services. The drivers for, and barriers to, the adoption of Internet banking are likely to be relevant to e-services in other sectors and may also have implications regarding policy options for the development of the Information Society at large, and in elucidating the underlying supply/demand dynamics. The following research questions are addressed: what is the I-banking level of supply and what are the drivers and barriers? What is the current level of adoption by consumers, and what are the drivers and barriers? Are there specific supply/demand issues in CCs, can lessons be learnt for other sectors? And what are potential private/public policy options to address these specific issues?

Additional information

Authors: CENTENO C, European Commission, Joint Research Centre, Institute for Prospective Technological Studies, Seville (ES)
Bibliographic Reference: EUR 20822 EN (2003), 44pp. Free of charge Available online at:
Availability: Printed version available from European Commission, JRC Knowledge Management Unit, Ispra (IT) Tel: +39 033278 9843 or +39 033278 9864 Fax: +39 033278 9623 E-mail:
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