In the Netherlands, you can pay everywhere with your debit card from any bank. Same goes for online payments.
That might sound flippant, what I mean is when you drill into the 22% you will find it is people in remote areas with poor and expensive connectivity that make up the majority of those who do not use the Internet. Age profile might be an issue as well, although many older people are using the Web now to stay in contact with family who have moved to the cities.
I'm actually considering dumping the landline and asdl over copper broadband at home here in a large city in the UK. I get internet access at work, in the local art centre and the local library (wifi) and can keep a pay as you go mobile broadband dongle for emergency use at home. This isn't anything to do with surveillance just that we are paying hundreds of pounds a year for a land line that gets hardly any use for actual voice calls.
http://epp.eurostat.ec.europa.eu/statistics_explained/index....
That's interesting. However, it might be more interesting with "Internet use: in the last 3 months". That's at 74%, meaning 26% didn't use it the last 3 months.
Edit: It's also interesting to sort countries by usage. The poorer countries are at around 50% internet usage. I'm surprised to see Italy way down there with 56% usage (last 3 months).
According to Methodological Manual, they were asking questions such as “When did you last use the Internet?” during face-to-face and phone interviews.
They did ask about using Internet and websites from mobile devices, in addition to “computers”. However, I'm not sure if many non-technical users would qualify updating an app (which may happen automatically), or performing various in-app activities (also may happen automatically, like updating weather forecast) as using the Internet.
So it seems to be more indicative of how many Europeans, of those who do agree to phone or face-to-face interviews, deliberately access email or web sites.
% of people that have NEVER used the internet
In the 65+ age bracket, it's much higher - around 44%:
http://www.nextgov.com/emerging-tech/2013/08/tackling-greate...
That's not what ons data says[1]
[1] http://www.ons.gov.uk/ons/rel/rdit2/internet-access-quarterl...