American Digital Divides -- 12. The Digital Divides in the U.S.: Access, Broadband, and Nature of Internet Use -- 13. Does the … Digital Divide Extend to Minority- and Women-Owned Small Businesses -- 14. The Internet, Black Identity, and the Evolving …. Mobiles for Development: The Case of M-Banking -- 26. The Influence of Time on Transactional Use of the Internet: Buying …