The World Wide Web became publicly accessible in 1991, which had been available only to government and universities. In 1993 Marc Andreessen and Eric Bina introduced Mosaic, the first web browser capable of displaying inline images and the basis for later browsers such as Netscape Navigator and Internet Explorer. Stanford Federal Credit Union was the first financial institution to offer online internet banking services to all of its members in October 1994. In 1996 OP Financial Group, also a cooperative bank, became the second online bank in the world and the first in Europe. The Internet expanded quickly, and by 1996, it was part of mass culture and many businesses listed websites in their ads. By 1999 almost every country had a connection, and nearly half of Americans and people in several other countries used the Internet on a regular basis. However throughout the 1990s, "getting online" entailed complicated configuration, and dial-up was the only connection type affordable by individual users; the present day mass Internet culture was not possible.