Examines various aspects of the motives, perceptions and expectations conne
cted with the introduction of Internet banking in Danish retail banking. Re
sponses from 60 key managers in the largest retail banks in Denmark show th
at they believe that Internet banking will become more important in the fut
ure, whereas all other distribution channels are predicted to become less i
mportant. Describes further the relationship between the perceptions of and
expectations from Internet banking, the reasons for offering an Internet b
ank and the way it has been organized in the banks.