In many developing countries, and among individuals with lower educational attainment in advanced countries, the Internet is still mainly used for communication and entertainment. People with tertiary educational attainment are much more likely to take advantage of E-commerce and E-banking than people with secondary educational attainment (ITU, 2016,2,,). The 2012 OECD Programme for International Student Assessment (PISA) showed that students in the highest-performing countries in digital reading were “not more exposed to the Internet at school than are students in other OECD countries”.