Forrester Research Inc. has concluded that on-line financial services will evolve slowly in Europe, as countries such as France and the United Kingdom struggle to remove technological and cultural obstacles.

A recent report by Forrester said nearly 10 million Europeans will seek financial guidance via the Internet by 2002. It said that to attract customers on-line and sell products and services in new ways, firms must move beyond basic transactions and focus on the overall customer relationship, providing objective advice to help consumers make informed financial decisions, regardless of the service provider.

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