Most financial services can potentially be handled electronically. But so far, banks can't even figure out a good way of letting people pay bills online.ENTERTAINMENT
Much of entertainment can easily be digitized. But no one knows how to make money yet, and the technology is lagging.HEALTH CARE
The benefits of shifting health-care transactions to the Web could be enormous. But so are the institutional barriers.EDUCATION
E-learning could cut the costs of education, but only at the price of making education more impersonal.GOVERNMENT
Delivering information to citizens electronically has enormous appeal, but requires massive investments.