Electronic commerce or E-Commerce is still at an early stage of development in Sierra Leone. Nearly all transactions are carried out in cash, though mobile money platforms supported by mobile phone companies are becoming more popular. ICT infrastructure is generally inadequate and even the use of debit or credit cards is highly limited. ATMs have been introduced by some banks but are not widely in use countrywide.  There is a growing demand for online goods but those who shop online pay a premium for DHL delivery.