In 1996 OP Financial Group, also a cooperative bank, became the second online bank in the world and the first in Europe. By 1995, the Internet was fully commercialized in the U.S. when the NSFNet was decommissioned, removing the last restrictions on use of the Internet to carry commercial traffic. The Internet rapidly expanded in Europe and Australia in the mid to late 1980s and to Asia in the late 1980s and early 1990s.