These information-intensive industries are good candidates to be transformed by the WebFINANCIAL SERVICES

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.