Online banking has grown steadily in France over the past decade, boosted by the growth in Net use overall, and is now used by 31% of adults, or 15 million people. We expect that growth to continue at a similar rate for the next five years because French Net users are becoming increasingly confident with the channel and because banks can still do more to persuade customers to bank online, starting with reducing or eliminating the charges that many still impose on customers who bank online. By 2013, we expect 42% of adults to use online banking, or more than 22 million people.