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AL KO RO BA UA RS BG HR HU RU TR BY SK CZ PL
Digital usage penetration (2020e)* Conventional banking penetration (2020e)* Internet usage (% of population, 2018)
* Digital penetration: used the internet to pay bills, to shop online; sent/received digital payments (% of population 15+); conventional penetration: account, debit card ownership (% of population 15+); source: World Bank, RBI/Raiffeisen RESEARCH
              2000 2002 2004
2014 2016 2018
Internet usage CEE (% of population)
Source: World Bank, ITU, RBI/Raiffeisen RESEARCH
2006 2008 2010 2012 Internet usage Western Europe (% of population)
























































































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