In 1995, we began asking households about their use of computers to conduct business with their financial institutions. In that year, barely 4 percent of households with a checking account said they used a computer to consume financial services. By 1998, the year of the next survey, the percentage saying they used a computer had risen to more than 6 percent.
The third factor I would like to mention briefly is that of culture and tradition. While I firmly believe that a nation without culture and tradition will be a lost nation, we should also recognize the fact that all cultures do evolve.