Digital Divide Country Profile · Europe

ME

Montenegro

Closing the digital divide, expanding meaningful connectivity, and advancing digital education and workforce participation.

Location in the world

Montenegro

Flag of Montenegro

Europe

World map showing the location of MontenegroMontenegro
🇲🇪
Population (2024)
623,525
Total area
13,812 km²
Area in square miles
5,332.84 mi²
Coastline
293.5 km
Base map adapted from Wikimedia Commons. Population: World Bank (2024); geography: CIA World Factbook.

National digital inclusion context

A portfolio-based view of access, capability, and outcomes.

This profile organizes the initiatives directly connected to Montenegro in the global research inventory. It follows the study's country-profile framework: national context, broadband infrastructure, inclusion practices, education and workforce connections, implementation actors, and intended contribution.

The documented portfolio emphasizes Telecommunications / Broadband Infrastructure, Last-Mile / Access Infrastructure, Digital Public Infrastructure, Digital Identity / e-ID, Fiber/Fiber Optic. The profile treats infrastructure, affordability, capability, institutions, support, and outcomes as an interconnected system.

Portfolio pattern

What the documented response contains.

Counts reflect source-workbook tags. One initiative may appear in multiple infrastructure or technology categories.

Infrastructure and access

  1. Telecommunications / Broadband Infrastructure5
  2. Last-Mile / Access Infrastructure2
  3. Digital Public Infrastructure1
  4. Fiber / Fixed Broadband Infrastructure1
  5. Institutional / School Connectivity Infrastructure1

Specific technologies

  1. Digital Identity / e-ID2
  2. Fiber/Fiber Optic1

Intervention classification

  1. Neither explicitly identified7
  2. Infrastructure only5
  3. Specific Technology only2
  4. Infrastructure and Specific Technology1

Education and workforce

Connectivity becomes consequential through participation.

5 initiatives explicitly connect to education, K–12, or college/university contexts, and 0 connect to workforce development. Other investments may enable these outcomes indirectly.

Access

Networks, service availability, devices, and connection quality.

Capability

Skills, confidence, accessibility, navigation, and support.

Participation

Education, work, health, government, and civic opportunity.

Sustainability

Governance, operations, maintenance, funding, and learning.

Project and initiative portfolio

15 documented records

Every directly tagged record is shown with details and supporting URLs preserved from the research workbook.

01

Broadband infrastructure

Broadband Infrastructure Development Project

Active / preparation through 2031 · Rural and suburban underserved areas
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Status / periodActive / preparation through 2031LocationRural and suburban underserved areasPopulationHouseholds, businesses, schools and healthcare facilitiesOrganizationsGovernment of Montenegro; EBRD; EU/WBIF

Builds fast, secure Internet infrastructure with a particular focus on rural areas.

Activities and approach: Fixed VHCN broadband

Telecommunications / Broadband Infrastructure
02

Broadband infrastructure

Broadband Technical Design and Tender Preparation

Active / preparation through 2031 · Rural and suburban underserved areas
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Status / periodActive / preparation through 2031LocationRural and suburban underserved areasPopulationHouseholds, businesses, schools and healthcare facilitiesOrganizationsGovernment of Montenegro; EBRD; EU/WBIF

Prepares technical, environmental/social and procurement documentation required for rural broadband construction.

Activities and approach: Feasibility/design; tender preparation

Telecommunications / Broadband Infrastructure
03

Cross-border digital identity

Cross-border electronic identification and trust services

Law adopted 2026 · Montenegro / EU-Western Balkans
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Status / periodLaw adopted 2026LocationMontenegro / EU-Western BalkansPopulationCitizens and businesses using cross-border e-servicesOrganizationsGovernment of Montenegro

Closes a documented access, affordability, skills, institutional-capacity, or meaningful-use gap.

Activities and approach: Recognition of e-ID, signatures, seals and trust services

Digital Identity / e-ID
04

Digital identity

Digital Identity Wallet legal framework

Law adopted July 2026 · Nationwide
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Status / periodLaw adopted July 2026LocationNationwidePopulationCitizens and businessesOrganizationsGovernment of Montenegro; Ministry of Public Administration

Closes a documented access, affordability, skills, institutional-capacity, or meaningful-use gap.

Activities and approach: Digital identity wallets; electronic identification and trust services

Digital Identity / e-ID
05

Broadband infrastructure

Education and Health Institution Connectivity Component

Active / preparation through 2031 · Rural and suburban underserved areas
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Status / periodActive / preparation through 2031LocationRural and suburban underserved areasPopulationHouseholds, businesses, schools and healthcare facilitiesOrganizationsGovernment of Montenegro; EBRD; EU/WBIF

Includes educational and healthcare institutions among targeted beneficiaries of the new broadband infrastructure.

Activities and approach: Public-institution broadband

Institutional / School Connectivity InfrastructureTelecommunications / Broadband Infrastructure
06

Digital public services

eGovernment platform – 57 digital public services

Operational / end-2025 · Nationwide
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Status / periodOperational / end-2025LocationNationwidePopulationCitizens and businessesOrganizationsMinistry of Public Administration

Closes a documented access, affordability, skills, institutional-capacity, or meaningful-use gap.

Activities and approach: 57 transactional electronic public services

07

Digital civic participation

eParticipation and ePetition platforms

Operational · Nationwide
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Status / periodOperationalLocationNationwidePopulationCitizens and permanent residentsOrganizationsMinistry of Public Administration

Closes a documented access, affordability, skills, institutional-capacity, or meaningful-use gap.

Activities and approach: Online consultations and petitions to government

08

Broadband infrastructure

Household and Business Broadband Coverage Component

Active / preparation through 2031 · Rural and suburban underserved areas
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Status / periodActive / preparation through 2031LocationRural and suburban underserved areasPopulationHouseholds, businesses, schools and healthcare facilitiesOrganizationsGovernment of Montenegro; EBRD; EU/WBIF

Targets households and businesses that are unconnected or inadequately served.

Activities and approach: Rural/suburban access network

Last-Mile / Access InfrastructureTelecommunications / Broadband Infrastructure
09

Paperless digital government

Paperless Ministry of Public Administration initiative

Target / 2026 · Ministry of Public Administration
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Status / periodTarget / 2026LocationMinistry of Public AdministrationPopulationCitizens, businesses and civil servantsOrganizationsMinistry of Public Administration

Closes a documented access, affordability, skills, institutional-capacity, or meaningful-use gap.

Activities and approach: Eliminate paper from administrative procedures

10

Broadband infrastructure

Rural and Suburban NGA Broadband Build

Active / preparation through 2031 · Rural and suburban underserved areas
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Status / periodActive / preparation through 2031LocationRural and suburban underserved areasPopulationHouseholds, businesses, schools and healthcare facilitiesOrganizationsGovernment of Montenegro; EBRD; EU/WBIF

Deploys next-generation fixed broadband in selected grey and white areas.

Activities and approach: Fiber/NGA in market-failure areas

Fiber / Fixed Broadband InfrastructureLast-Mile / Access InfrastructureTelecommunications / Broadband InfrastructureFiber/Fiber Optic
11

Digital payment adoption

TIPS Clone Project – 110,000 additional digital-payment users target

Implementation through 2030 · Nationwide
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Status / periodImplementation through 2030LocationNationwidePopulation110,000 additional people, including 70,000 womenOrganizationsCentral Bank; World Bank

Closes a documented access, affordability, skills, institutional-capacity, or meaningful-use gap.

Activities and approach: Payment-system modernization and adoption measures

12

Financial digital inclusion

TIPS Clone Project – digital financial inclusion for unbanked population

Implementation through 2030 · Nationwide
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Status / periodImplementation through 2030LocationNationwidePopulationEstimated 15% of population that is unbankedOrganizationsCentral Bank; financial institutions; World Bank

Closes a documented access, affordability, skills, institutional-capacity, or meaningful-use gap.

Activities and approach: Expanded access to transaction accounts and digital payment instruments

13

Digital financial infrastructure

TIPS Clone Project – instant digital payment system

Approved July 2025 / implementation · Nationwide
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Status / periodApproved July 2025 / implementationLocationNationwidePopulationConsumers and businessesOrganizationsCentral Bank of Montenegro; World Bank; Banca d'Italia

Closes a documented access, affordability, skills, institutional-capacity, or meaningful-use gap.

Activities and approach: Fast/near-instant payments compatible with European TIPS

14

Cross-border digital finance

TIPS Clone Project – SEPA alignment and cross-border transaction-cost reduction

Implementation · Montenegro / European payments area
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Status / periodImplementationLocationMontenegro / European payments areaPopulationHouseholds, migrants, businesses and remittance usersOrganizationsCentral Bank; World Bank; Eurosystem partners

Closes a documented access, affordability, skills, institutional-capacity, or meaningful-use gap.

Activities and approach: SEPA standards; lower-cost international transfers

15

Digital public infrastructure

X-Road interoperability platform for government registers

Operational / expanding 2025-2026 · Whole of government
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Status / periodOperational / expanding 2025-2026LocationWhole of governmentPopulationCitizens, businesses and public agenciesOrganizationsMinistry of Public Administration; government agencies

Closes a documented access, affordability, skills, institutional-capacity, or meaningful-use gap.

Activities and approach: Interoperability and secure exchange between registers

Digital Public Infrastructure

Evidence boundary

Read the portfolio as a starting point, not a final verdict.

Project records document interventions and intended contributions; they do not alone prove nationwide coverage, causal impact, or durable closure.

Profiles will deepen as national statistics, policy documents, evaluations, and implementation evidence are incorporated. Source links allow inspection of underlying evidence.

Evidence and contextProfile Sources

These sources support the country-level demographic, geographic, and connectivity context. Sources tied to individual projects remain with their project records and are not repeated here.

  1. Central Intelligence Agency. (n.d.). Montenegro. The World Factbook. Retrieved September 26, 2026, from https://www.cia.gov/the-world-factbook/countries/montenegro/
  2. International Telecommunication Union. (n.d.). ITU DataHub: Country ICT data. Retrieved September 26, 2026, from https://datahub.itu.int/
  3. World Bank. (n.d.). Individuals using the Internet (% of population): Montenegro. World Development Indicators. Retrieved September 26, 2026, from https://data.worldbank.org/indicator/IT.NET.USER.ZS?locations=ME
  4. World Bank. (n.d.). Population, total: Montenegro. World Development Indicators. Retrieved September 26, 2026, from https://data.worldbank.org/indicator/SP.POP.TOTL?locations=ME

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