Who is the market for ecommerce?

Take the finance sector as an example According to the Industry Standard, there is considerable action in finance-based ecommerce Nearly 21 million American homes are expected to by conducting their financial affairs online by 2002 Source: Forrester Research http://www.forrester.com/ Here's what people are using now Source: Cybercitizen Finance 1998 Cyber Dialogue http://www.cyberdialogue.com/index_4.html and Source: Booz-Allen and Hamilton http://www.bah.com/ However, banks have not yet caught up to this segment of consumer demand Source: Ernst and Young http://www.ey.com/toc.asp