With the rapid diffusion of the Internet worldwide, there has been considerable interest in the e-potentials of developing countries giving rise to a 1st generation of e-Readiness studies. Moreover, e-Readiness means different things to different people, in different contexts, and for different purposes. Despite strong merits, this first generation of e-Readiness studies assumed a fixed, one-size-fits-all set of requirements, regardless of the characteristics of individual countries, the investment context, or the demands of specific applications. This feature obscures critical information for investors or policy analysts seeking to reduce uncertainties and/or make more educated decisions. But there is very little known about e-Readiness for e-Banking. In particular, based on lessons learnt to date and their implications for emerging realities of the 21st century, we designed and executed a research project with theoretical as well as practical dimensions to answer the question of e-Readiness for What, focusing specifically on e-Banking, based on the very assumption that one size can seldom, if ever, fit all. We propose and develop a conceptual framework for the "next generation" ereadiness - focusing on different e-Business applications in different economic contexts with potentially different pathways - as well as a data model - to explore e-Readiness for e-Banking in ten countries. Keywords: e-readiness assessment, value-creation opportunities, e-Banking, banking, pathways, profiles, leapfrogging.

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