Norway boasts a high telecommunications penetration level with a rate of 57 main lines per 100 inhabitants. Forty-seven percent of all Norwegians over the age of 13 have Internet access. In Sweden, there are over 600,000 Internet bank customers and the number is augmenting at a quick pace. In Denmark, the number of Internet subscribers exhibits a an outstanding growth, from 167,000 in 1997 to a projected 800,000 by the onset of 2000.

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