the little data book on financial inclusion 2015
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2015 THE LITTLEDATA BOOK ON FINANCIAL INCLUSION
© 2015 International Bank for Reconstruction and Development / The World Bank1818 H Street NW, Washington, DC 20433Telephone: 202-473-1000; Internet: www.worldbank.orgSome rights reserved1 2 3 4 18 17 16 15
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Design by Communications Development Incorporated, Washington, DC.
iiiThe Little Data Book on Financial Inclusion 2015
ContentsAcknowledgments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . iv
Foreword. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .v
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .vii
Data notes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . viii
Regional tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
World . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
East Asia and Pacific . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Europe and Central Asia. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
High income: OECD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Latin America and the Caribbean . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Middle East . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
South Asia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Sub-Saharan Africa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Income group tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Low income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Middle income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Lower middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Upper middle income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Low and middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
High income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Euro area . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Country tables (in alphabetical order) . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Glossary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 163
Reference. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 167
iv 2015 The Little Data Book on Financial Inclusion
The Little Data Book on Financial Inclusion 2015 was prepared by the Finance and Private Sector Development Team of the Development Research Group, by a team led by Leora Klapper under the supervision of Asli Demirguc-Kunt and comprising Saniya Ansar, Rafael Alonso Arenas, Dorothe Singer, and Peter Van Oudheusden. The work was carried out under the management of Kaushik Basu. The team is grateful to Douglas Randall for helping with the questionnaire design and to Massimo Cirasino, Mario Guadamillas, Jake Kendall, Douglas Pearce, Maria Soledad Martinez Peria, Peer Stein, Rodger Voorhies, and World Bank colleagues in the Development Economics Vice Presidency and the Financial Markets Global Practice as well as staff at the Bill & Melinda Gates Foundation, the Better than Cash Alliance, the Consultative Group to Assist the Poor, the GSM Association, and the Office of the United Nations Secretary-General's Special Advocate for Inclusive Finance for Development (UNSGSA) for providing substantive comments at different stages of the project. The team is also grateful for the excellent survey execution and related support provided by Gallup, Inc. under the direction of Jon Clifton.
The team is especially grateful to the Bill & Melinda Gates Foundation for providing financial support making the collection and dissemination of the data possible.
Production of this volume was managed by the Development Data Group, under the direction of Haishan Fu. Substantial contributions were made by Shelley Fu, Mohammed Omar Hadi, and William Prince, with additional support provided by Azita Amjadi, Leila Rafei, Jomo Tariku, and Sup Lee. The book’s design was done by Jomo Tariku based on an original design by Communications Development Incorporated. Typesetting was done by Barton Matheson Willse & Worthington. Staff from the World Bank's Publishing and Knowledge division oversaw publication and dissemination of the book, and Alison Strong provided editorial assistance.
The reference citation for the 2014 Global Financial Inclusion (Global Findex) data provided in this book is as follows:
Demirguc-Kunt, Asli, Leora Klapper, Dorothe Singer, and Peter Van Oudheusden. 2015. “The Global Findex Database 2014: Measuring Financial Inclusion around the World.” Policy Research Working Paper 7255, World Bank, Washington, DC.
Acknowledgments
vThe Little Data Book on Financial Inclusion 2015
ForewordBy Her Majesty Queen Máxima of the Netherlands
UN Secretary-General’s Special Advocate for Inclusive Finance for Development
and Honorary Patron of the G20’s Global Partnership for Financial Inclusion
Among those of us committed to advancing access to financial services for the poor, the release in 2012 of the Global Financial Inclusion Database—the Global Findex—represented the beginning of a new stage in our work. Before the Global Findex, we lacked reliable information about a number of vital questions, even the number of people we hoped to reach. Thanks to the collective efforts that resulted in that first Global Findex, a picture of financial inclusion emerged that transformed thinking, planning, and action. That first benchmark version provided high-quality data from 148 countries around the world on how adults were saving, borrowing, making payments, and managing risk.
Now, three years later, I am extremely pleased that a new, second edition of the Global Findex Database has been released, providing us with a wealth of data that look in even more depth at where financial inclusion stands and how far we have come. This landmark study allows policy makers, regulators, researchers, businesspeople, advocates, the development community, and others to see what is working, what isn’t, and how we can focus our efforts most effectively to reach the goal of universal financial inclusion.
The main message embedded in the new Global Findex is tremendously encouraging. In a short time, financial inclusion has made great progress worldwide. The hard work being done around the globe is making a differ-ence. Three years ago, 2.5 billion adults struggled to get by without formal financial services; that figure has dropped by 20 percent, to 2 billion. That means that 62 percent of adults now have an account at a financial institu-tion or through a mobile device, up from 51 percent in 2011. This increase is being felt among the poorest populations in most regions, driven by mobile technology, digital payments, reforms that encourage correspondent bank-ing, and relaxed customer identification.
This second edition of The Little Data Book on Financial Inclusion contains a wealth of detailed information from the Global Findex Database, with les-sons for public- and private-sector stakeholders working in this field. Those countries that have established supportive and competitive environments, policies that encourage innovation, and national financial inclusion strate-gies are making great strides.
Thanks to the spread of mobile phones, mobile money is playing a crucial role in extending financial services to the underserved. In Sub-Saharan Africa, 12 percent of adults—64 million people—now use a mobile money account, helping to boost the number of financial account holders in the region to 34 percent, up from 24 percent in 2011.
Other regions are making progress in different ways. Digital banking and payrolls paid directly into bank accounts are exploding in Latin America
vi 2015 The Little Data Book on Financial Inclusion
and savings are growing in East Asia. Digital government payments made into accounts for pensions or cash transfers are driving a strong increase in financial inclusion globally—more than 400 million adults are part of such a system.
While the mere existence of bank accounts does not result in financial inclusion, this year’s Global Findex delivers surprising and encouraging data showing widespread, high-quality account use. More than 65 percent of account users in East Asia, the Pacific, and Sub-Saharan Africa report using their accounts at least three times a month to send or receive money, pay bills, or save for the future.
Progress has been significant, but challenges remain. So far we have not seen a closing, or even a narrowing, of the gender gap. Account ownership has increased for both women and men, but an 8 to 10 percentage-point difference persists across income groups in developing economies. We must redouble our efforts to reach gender parity.
Global Findex findings point to several promising opportunities. One hundred million government employees around the world are still paid in cash; mov-ing those payment programs into digital deposits represents a relatively straightforward step to increase financial inclusion. Strengthening market competition has been shown to drive demonstrable progress, as have sup-portive policies that encourage innovation. The success of these approaches underlines that governments are on the right track.
Over the past decade, financial inclusion has risen as a global priority. Extending affordable, effective, and client-centric financial services, espe-cially to low-income populations and small businesses, creates countless opportunities—allowing individuals to put food on the table, afford better health care, start a business, or save for retirement. For governments, finan-cial inclusion lays the foundation for stability and inclusive economic growth. For the global community, financial inclusion helps accelerate economic progress, reduce extreme poverty, and build shared prosperity.
Our current understanding of financial inclusion would not have been possi-ble without the Global Findex Database. I am proud to have been involved in the discussions and decision making that led to the Findex, and I thank the World Bank Development Research Group, supported by the Bill & Melinda Gates Foundation, for its vital work on this groundbreaking initiative. I encour-age governments, businesses, advocates, and others to study the data in this publication and put it to good use as we work together toward our shared goal of universal financial inclusion.
Foreword
The Little Data Book on Financial Inclusion 2015 is a pocket edition of the Global Financial Inclusion (Global Findex) database published in 2015. This data set represents a second round of data collection, following the initial round three years earlier. The database provides nationally representative, demand-side data on access to and use of accounts, credit, payments, and savings by adults age 15 and above in 143 economies. In addition, new indi-cators measure people’s ability to manage risk. This book presents data for selected indicators by country, region, and income group. For some indicators the data are disaggregated by age, gender, income level, and rural residence.
This publication is part of the Global Findex suite of products, available both online and in hard copy. To learn more and to access the most recent version of the database, visit the Financial Inclusion topic page on the World Bank’s Open Data Platform (http://datatopics.worldbank.org/financialinclusion) or the Global Findex web page (http://www.worldbank.org/globalfindex). The microdata files for each country are available in the World Bank’s Microdata Catalog (http://microdata.worldbank.org).
Launched in 2011, the Global Findex database is housed in the World Bank’s Development Research Group and funded by a 10-year grant from the Bill & Melinda Gates Foundation. It is the first public global database of demand-side indicators to track the financial lives of individuals over time. Covering a range of topics, the data can be used to create a more complete picture of how people save, borrow, manage risk, and send and receive money. The expanded 2014 Global Findex survey questionnaire included more nuanced questions on the use of mobile technology to pay bills, receive wages and government payments, and send money to and receive it from family living elsewhere. The data were collected by Gallup, Inc. over the 2014 calendar year alongside the Gallup World Poll survey. This book and the accompany-ing research have the potential to aid policy makers, the private sector, and the entire global community as together we shape an effective environment for shared prosperity.
Introduction
viiThe Little Data Book on Financial Inclusion 2015
viii 2015 The Little Data Book on Financial Inclusion
Data notesThe data in this book are for 2014 unless otherwise noted in the tables or the glossary.
• Except for the regional grouping High income: OECD, regional aggregates include data for low- and middle-income economies only.
• Figures in italics are for years or periods other than those specified.
Symbols used:
.. indicates that data are not available or that aggregates cannot be calculated because of missing data.
0 or 0.0 indicates zero or a value small enough that it would round to zero at the number of decimal places displayed.
$ indicates current U.S. dollars.
Data are shown for 143 economies. The term country (used interchangeably with economy) does not imply political independence or official recognition by the World Bank but refers to any economy for which the authorities report separate social or economic statistics.
1The Little Data Book on Financial Inclusion 2015
The country composition of regions as used in this book is based on the World Bank’s analytical regions and may differ from common geographic usage.
East Asia and Pacific
Cambodia, China, Indonesia, Lao People’s Democratic Republic,1 Malaysia, Mongolia, Myanmar,2 Philippines, Thailand, Vietnam
Europe and Central Asia
Albania, Armenia, Azerbaijan, Belarus, Bosnia and Herzegovina, Bulgaria, Georgia, Hungary, Kazakhstan, Kosovo, Kyrgyz Republic, former Yugoslav Republic of Macedonia, Moldova, Montenegro, Romania, Serbia, Tajikistan, Turkey, Turkmenistan, Ukraine, Uzbekistan
High income: OECD
Australia, Austria, Belgium, Canada, Chile, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Israel, Italy, Japan, Republic of Korea, Luxembourg, Netherlands, New Zealand, Norway,2
Poland, Portugal, Slovak Republic, Slovenia, Spain, Sweden, Switzerland,2
United Kingdom, United States
Latin America and the Caribbean
Argentina, Belize,2 Bolivia, Brazil, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Haiti, Honduras, Jamaica, Mexico, Nicaragua, Panama, Peru, República Bolivariana de Venezuela
Middle East
Djibouti,1 Arab Republic of Egypt, Iraq, Jordan, Lebanon, West Bank and Gaza, Republic of Yemen
South Asia
Afghanistan, Bangladesh, Bhutan,2 India, Nepal, Pakistan, Sri Lanka
Sub-Saharan Africa
Angola, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Chad, Comoros,1 Democratic Republic of Congo, Republic of Congo, Côte d’Ivoire,2 Ethiopia,2 Gabon, Ghana, Guinea, Kenya, Lesotho,1 Liberia,1 Madagascar,2 Malawi, Mali, Mauritania, Mauritius, Namibia,2 Niger, Nigeria, Rwanda, Senegal, Sierra Leone, Somalia,2 South Africa, Sudan, Swaziland,1 Tanzania, Togo, Uganda, Zambia, Zimbabwe
1 Included in 2011 data only. 2 Included in 2014 data only.
Regional tables
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
2 2015 The Little Data Book on Financial Inclusion
WorldPopulation, age 15+ (millions) 5,231.2 GNI per capita ($) 10,683
61.558.154.046.356.7
60.750.6
2.0
40.130.5
..48.3
17.78.2
16.7
23.215.116.6
..
..
..
..
..
..
..
..
27.422.6
..56.523.913.822.3
10.79.1
26.24.6
42.47.17.7
10.4
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
3The Little Data Book on Financial Inclusion 2015
East Asia & PacificPopulation, age 15+ (millions) 1,584.3 GNI per capita ($) 5,536
69.067.060.960.764.5
68.855.1
0.4
42.934.753.337.0
15.18.1
11.8
14.810.815.6
16.636.9
8.718.520.629.04.9
15.8
36.528.5
6.071.036.521.330.7
11.08.6
28.32.5
41.28.37.18.0
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
4 2015 The Little Data Book on Financial Inclusion
Europe & Central AsiaPopulation, age 15+ (millions) 211.7 GNI per capita ($) 7,114
51.447.444.235.645.7
51.443.3
0.3
36.936.466.772.5
22.57.3
12.5
22.914.911.9
12.931.52.5
11.815.522.11.0
15.6
8.44.96.6
38.511.8
5.112.1
12.47.8
23.62.1
39.52.86.2
10.2
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
5The Little Data Book on Financial Inclusion 2015
High income: OECDPopulation, age 15+ (millions) 877.7 GNI per capita ($) 44,479
94.093.890.684.193.8
94.090.0
..
79.761.9
..68.5
44.317.261.1
65.346.754.1
..
..
..
..
..
..
..
..
51.645.3
..70.839.79.0
25.0
18.414.214.90.9
39.82.65.6
26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
6 2015 The Little Data Book on Financial Inclusion
Latin America & CaribbeanPopulation, age 15+ (millions) 428.2 GNI per capita ($) 9,542
51.448.641.237.446.0
51.139.3
1.7
40.428.971.157.0
18.09.06.3
27.718.06.9
9.5......
11.334.2
4.328.4
13.59.67.9
40.610.610.617.2
11.37.9
13.54.7
32.76.18.39.6
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
7The Little Data Book on Financial Inclusion 2015
Middle EastPopulation, age 15+ (millions) 102.0 GNI per capita ($) 3,894
14.29.27.37.6
10.7
14.010.9
0.7
8.55.5
44.942.4
3.30.90.2
3.31.52.1
9.3......
11.39.80.2
15.6
4.02.7
11.530.5
5.05.19.1
5.64.4
30.77.9
45.74.28.26.2
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
8 2015 The Little Data Book on Financial Inclusion
46.437.438.136.743.5
45.532.3
2.6
18.07.2
31.116.9
3.53.12.7
8.52.61.2
10.720.1
7.713.712.215.8
4.79.8
12.711.18.8
36.29.17.3
14.6
6.48.7
31.410.946.78.68.93.8
South AsiaPopulation, age 15+ (millions) 1,168.6 GNI per capita ($) 1,483
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
9The Little Data Book on Financial Inclusion 2015
Sub-Saharan AfricaPopulation, age 15+ (millions) 533.1 GNI per capita ($) 1,686
34.229.924.625.929.2
28.923.9
11.5
17.915.053.851.7
7.33.82.8
8.71.92.4
28.731.030.821.037.226.627.622.1
15.914.323.959.6
9.822.722.9
6.34.8
41.94.7
54.512.812.3
5.2
10 2015 The Little Data Book on Financial Inclusion
Income group tablesThe World Bank’s main criterion for classifying economies for operational and analytical purposes is gross national income (GNI) per capita. Each economy for which data are presented in this book is classified as low income, middle income, or high income based on its GNI per capita in 2013. Low- and middle-income economies are sometimes referred to as developing economies. The use of the term is convenient; it is not intended to imply that all economies in the group are experiencing similar development or that other economies have reached a preferred or final stage of development. Classification by income does not necessarily reflect development status. Income classifications of economies remain fixed over the course of the World Bank’s fiscal year (ending on June 30) regardless of any revisions during the year to their income per capita data.
Low-income economies are those with a GNI per capita of $1,045 or less in 2013.
Middle-income economies are those with a GNI per capita of more than $1,045 but less than $12,746. Lower-middle-income and upper-middle-income economies are separated at a GNI per capita of $4,125.
High-income economies are those with a GNI per capita of $12,746 or more.
Euro area includes the member states of the Economic and Monetary Union of the European Union that had adopted the euro as their currency when the surveys took place: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Luxembourg, Malta, the Netherlands, Portugal, Slovak Republic, Slovenia, and Spain.
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
11The Little Data Book on Financial Inclusion 2015
Low incomePopulation, age 15+ (millions) 516.2 GNI per capita ($) 728
27.523.919.420.224.8
22.321.1
10.0
6.66.3
20.219.7
3.21.00.9
2.10.61.2
18.315.442.814.125.613.033.814.8
9.911.516.346.5
8.316.716.6
8.611.734.9
6.552.512.210.9
4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
12 2015 The Little Data Book on Financial Inclusion
Middle incomePopulation, age 15+ (millions) 3,650.4 GNI per capita ($) 4,754
57.652.949.144.953.8
57.143.3
1.5
34.424.651.238.1
12.26.78.1
15.19.09.4
14.834.48.3
19.017.828.0
5.717.3
24.118.2
8.454.722.214.922.9
9.17.6
28.35.3
42.27.88.07.0
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
13The Little Data Book on Financial Inclusion 2015
Lower middle incomePopulation, age 15+ (millions) 1,759.1 GNI per capita ($) 2,074
42.736.333.234.740.0
41.828.7
2.5
21.210.142.428.1
5.63.33.1
9.62.82.6
14.230.9
7.718.317.826.0
5.716.6
14.811.112.445.612.611.820.0
7.57.3
33.18.5
47.49.2
10.14.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
14 2015 The Little Data Book on Financial Inclusion
Upper middle incomePopulation, age 15+ (millions) 1,891.3 GNI per capita ($) 7,604
70.567.362.758.168.8
70.457.4
0.7
45.938.555.742.8
18.19.6
12.3
19.914.415.3
15.437.28.8
19.717.829.8
5.617.9
32.225.14.9
62.730.617.625.4
10.47.9
24.02.6
37.76.66.19.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
15The Little Data Book on Financial Inclusion 2015
Low & middle incomePopulation, age 15+ (millions) 4,166.6 GNI per capita ($) 4,168
54.149.645.741.049.5
53.141.3
2.5
31.222.949.737.1
11.26.07.2
13.68.18.4
15.231.813.018.418.725.710.116.9
22.517.69.3
53.820.615.122.1
9.08.0
29.05.5
43.48.38.36.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
16 2015 The Little Data Book on Financial Inclusion
High incomePopulation, age 15+ (millions) 1,064.6 GNI per capita ($) 39,812
90.690.586.979.790.2
90.684.8
..
75.158.4
..68.5
43.216.754.2
61.143.048.9
..
..
..
..
..
..
..
..
46.740.9
..67.036.78.5
23.1
17.313.315.00.9
38.32.45.2
24.9
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
17The Little Data Book on Financial Inclusion 2015
Euro areaPopulation, age 15+ (millions) 285.6 GNI per capita ($) 39,350
94.894.092.580.594.7
94.890.6
..
81.168.5
..73.0
43.516.461.3
70.534.548.6
..
..
..
..
..
..
..
..
47.640.8
..67.235.1
7.919.8
15.811.814.50.4
35.42.84.0
23.5
18 2015 The Little Data Book on Financial Inclusion
Afghanistan
Gender-matched sampling was used during the final stage of selection.
Algeria
Global Findex data exclude parts of the southern regions of the country.
Azerbaijan
Global Findex data exclude Nagorno-Karabakh and territories.
Bahrain
Global Findex data exclude residents unable to participate in the survey in Arabic or English.
Canada
Global Findex data exclude the Northwest Territories, Nunavut, and Yukon.
Chad
Global Findex data exclude selected regions.
China
Unless otherwise noted, data for China do not include data for Hong Kong SAR, China; Macao SAR, China; or Taiwan, China.
Cyprus
GNI per capita data refer to the area controlled by the government of Cyprus.
Democratic Republic of Congo
Global Findex data exclude North Kivu and South Kivu.
Georgia
GNI per capita, population, and Global Findex data exclude Abkhazia and South Ossetia.
India
Global Findex data exclude Northeast states, remote islands, and selected districts.
Israel
Global Findex data exclude East Jerusalem. This area is included in the sample for West Bank and Gaza.
Kuwait
Global Findex data include only Kuwaitis, Arab expatriates, and non-Arabs who were able to participate in the survey in Arabic or English.
Lebanon
Global Findex data exclude Baalbek, Bint Jbeil, and Hermel as well as the Beirut suburb of Dahiyeh.
Madagascar
Global Findex data exclude remote and inaccessible areas.
Country tables
19The Little Data Book on Financial Inclusion 2015
Mali
Global Findex data exclude the regions of Gao, Kidal, Mopti, and Tombouctou.
Moldova
GNI per capita, population and Global Findex data exclude Transnistria (Prednestrovie).
Myanmar
Global Findex data exclude the states of Chin, Kachin, and Kayah.
Nigeria
Global Findex data exclude the states of Adamawa, Borno, and Yobe.
Pakistan
Global Findex data exclude Azad Jammu and Kashmir and Gilgit-Baltistan. Gender-matched sampling was used during the final stage of selection.
Saudi Arabia
Global Findex data include only Saudi nationals, Arab expatriates, and non-Arabs who were able to participate in the survey in Arabic or English.
Singapore
Global Findex data exclude households in condominiums and bungalows.
Somalia
Global Findex data exclude inaccessible regions.
Sudan
Global Findex data exclude Blue Nile, Darfur (North, West, and South), and South Kurdufan.
Tanzania
GNI per capita data refer to mainland Tanzania only.
Ukraine
Global Findex data exclude selected regions in the East and, starting in 2014, exclude Crimea.
United Arab Emirates
Global Findex data include only Emiratis, Arab expatriates, and non-Arabs who were able to participate in the survey in Arabic or English.
Vietnam
Global Findex data exclude An Giang, Dak Lak, Ha Tinh, Kien Giang, Quang Binh, and Thanh Hoa.
West Bank and Gaza
Global Findex data include East Jerusalem.
Republic of Yemen
Gender-matched sampling was used during the final stage of selection.
Country tables
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
20 2015 The Little Data Book on Financial Inclusion
Country data
South Asia
Lowincome
AfghanistanPopulation, age 15+ (millions) 16.3 GNI per capita ($) 690
South Asia Low income
10.0 46.4 27.53.8 37.4 23.96.6 38.1 19.47.4 36.7 20.29.2 43.5 24.8
10.0 45.5 22.39.0 32.3 21.1
0.3 2.6 10.0
1.7 18.0 6.64.7 7.2 6.3
.. 31.1 20.2
.. 16.9 19.7
2.5 3.5 3.20.4 3.1 1.00.6 2.7 0.9
1.7 8.5 2.11.1 2.6 0.60.6 1.2 1.2
13.3 10.7 18.316.0 20.1 15.40.0 7.7 42.86.0 13.7 14.1
17.2 12.2 25.613.1 15.8 13.01.4 4.7 33.8
10.5 9.8 14.8
3.6 12.7 9.92.8 11.1 11.58.0 8.8 16.3
25.8 36.2 46.511.4 9.1 8.3
7.8 7.3 16.710.3 14.6 16.6
3.6 6.4 8.67.4 8.7 11.7
22.3 31.4 34.97.6 10.9 6.5
34.6 46.7 52.58.3 8.6 12.25.4 8.9 10.99.4 3.8 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
21The Little Data Book on Financial Inclusion 2015
Country data
Europe & Central
Asia
Upper middleincome
AlbaniaPopulation, age 15+ (millions) 2.3 GNI per capita ($) 4,510
Europe & Central Asia Upper middle income
38.0 51.4 70.533.6 47.4 67.323.4 44.2 62.730.0 35.6 58.133.2 45.7 68.8
38.0 51.4 70.428.3 43.3 57.4
.. 0.3 0.7
21.8 36.9 45.921.1 36.4 38.551.4 66.7 55.764.7 72.5 42.8
10.8 22.5 18.13.5 7.3 9.62.6 12.5 12.3
4.0 22.9 19.94.0 14.9 14.43.3 11.9 15.3
19.5 12.9 15.416.5 31.5 37.2
1.1 2.5 8.810.9 11.8 19.727.1 15.5 17.813.9 22.1 29.8
1.4 1.0 5.612.1 15.6 17.9
7.5 8.4 32.28.6 4.9 25.13.2 6.6 4.9
38.4 38.5 62.78.8 11.8 30.68.3 5.1 17.6
20.0 12.1 25.4
10.2 12.4 10.47.5 7.8 7.9
44.4 23.6 24.02.2 2.1 2.6
55.5 39.5 37.73.9 2.8 6.6
11.6 6.2 6.18.7 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
22 2015 The Little Data Book on Financial Inclusion
Country data
Upper middleincome
AlgeriaPopulation, age 15+ (millions) 28.3 GNI per capita ($) 5,330
Upper middle income
50.5 70.540.1 67.336.7 62.738.5 58.142.3 68.8
50.5 70.433.3 57.4
.. 0.7
21.6 45.913.5 38.510.3 55.714.2 42.8
15.6 18.17.7 9.60.2 12.3
7.3 19.94.7 14.45.7 15.3
7.9 15.4.. 37.2.. 8.8.. 19.7
12.6 17.812.4 29.8
2.0 5.65.9 17.9
13.8 32.24.3 25.13.4 4.9
45.3 62.711.3 30.611.1 17.610.5 25.4
2.2 10.41.5 7.9
13.2 24.01.5 2.6
23.1 37.74.0 6.64.0 6.13.9 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
23The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Upper middleincome
Population, age 15+ (millions) 11.3 GNI per capita ($) 5,170
Sub-Saharan Africa Upper middle income
Angola
29.3 34.2 70.522.3 29.9 67.312.9 24.6 62.714.9 25.9 58.118.8 29.2 68.8
29.3 28.9 70.439.2 23.9 57.4
.. 11.5 0.7
21.4 17.9 45.929.8 15.0 38.536.0 53.8 55.749.0 51.7 42.8
14.0 7.3 18.11.2 3.8 9.64.8 2.8 12.3
13.7 8.7 19.93.5 1.9 14.41.0 2.4 15.3
14.6 28.7 15.433.7 31.0 37.20.0 30.8 8.8
17.1 21.0 19.720.3 37.2 17.821.1 26.6 29.80.4 27.6 5.68.2 22.1 17.9
14.9 15.9 32.215.9 14.3 25.111.9 23.9 4.953.1 59.6 62.7
5.0 9.8 30.611.9 22.7 17.621.8 22.9 25.4
2.8 6.3 10.47.9 4.8 7.9
20.0 41.9 24.02.0 4.7 2.6
29.8 54.5 37.73.6 12.8 6.69.2 12.3 6.12.2 5.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
24 2015 The Little Data Book on Financial Inclusion
ArgentinaCountry
data
LatinAmerica &the Carib.
Upper middleincome
Population, age 15+ (millions) 31.4 GNI per capita ($) ..
Latin America & Caribbean Upper middle income
50.2 51.4 70.550.9 48.6 67.344.4 41.2 62.724.5 37.4 58.150.6 46.0 68.8
50.2 51.1 70.433.1 39.3 57.4
0.4 1.7 0.7
44.2 40.4 45.929.8 28.9 38.578.0 71.1 55.780.3 57.0 42.8
18.1 18.0 18.110.3 9.0 9.65.9 6.3 12.3
25.4 27.7 19.923.9 18.0 14.4
8.4 6.9 15.3
6.2 9.5 15.4.. .. 37.2.. .. 8.8.. .. 19.7
10.5 11.3 17.810.1 34.2 29.80.0 4.3 5.67.5 28.4 17.9
4.1 13.5 32.23.8 9.6 25.11.7 7.9 4.9
23.1 40.6 62.74.5 10.6 30.64.8 10.6 17.68.3 17.2 25.4
8.3 11.3 10.46.6 7.9 7.96.0 13.5 24.01.2 4.7 2.6
19.1 32.7 37.72.0 6.1 6.61.3 8.3 6.17.9 9.6 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
25The Little Data Book on Financial Inclusion 2015
Country data
Europe & Central
Asia
Lower middleincome
Europe & Central Asia Lower middle income
Population, age 15+ (millions) 2.4 GNI per capita ($) 3,800
Armenia
17.7 51.4 42.714.7 47.4 36.310.9 44.2 33.210.4 35.6 34.715.5 45.7 40.0
17.2 51.4 41.817.5 43.3 28.7
0.7 0.3 2.5
8.4 36.9 21.25.2 36.4 10.1
51.6 66.7 42.455.4 72.5 28.1
7.2 22.5 5.60.7 7.3 3.31.5 12.5 3.1
3.9 22.9 9.64.2 14.9 2.85.0 11.9 2.6
3.2 12.9 14.2.. 31.5 30.9.. 2.5 7.7.. 11.8 18.3
9.1 15.5 17.8.. 22.1 26.0.. 1.0 5.7.. 15.6 16.6
1.6 8.4 14.80.8 4.9 11.14.8 6.6 12.4
21.0 38.5 45.62.1 11.8 12.63.2 5.1 11.84.7 12.1 20.0
19.9 12.4 7.518.9 7.8 7.326.9 23.6 33.1
2.8 2.1 8.547.3 39.5 47.48.6 2.8 9.25.2 6.2 10.1
15.2 10.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
26 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
Population, age 15+ (millions) 18.7 GNI per capita ($) 65,400
High income: OECD High income
Australia
98.9 94.099.0 93.898.4 90.694.8 84.198.7 93.8
98.9 94.099.1 90.0
.. ..
88.9 79.779.1 61.9
.. ..68.5 68.5
55.6 44.340.5 17.264.1 61.1
82.5 65.356.3 46.768.2 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
61.4 51.661.9 45.3
.. ..81.5 70.839.9 39.7
9.7 9.027.1 25.0
23.4 18.417.0 14.216.9 14.90.8 0.9
43.2 39.83.1 2.65.6 5.6
34.7 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
27The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
Population, age 15+ (millions) 7.3 GNI per capita ($) 50,390
High income: OECD High income
Austria
96.7 94.097.4 93.895.7 90.688.5 84.198.4 93.8
96.7 94.097.1 90.0
.. ..
81.6 79.786.8 61.9
.. ..76.7 68.5
48.2 44.322.8 17.274.8 61.1
68.5 65.334.6 46.751.0 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
60.4 51.651.6 45.3
.. ..79.6 70.848.4 39.713.9 9.018.0 25.0
13.3 18.48.3 14.2
15.0 14.90.7 0.9
33.3 39.83.6 2.61.7 5.6
18.3 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
28 2015 The Little Data Book on Financial Inclusion
Country data
Europe & Central
Asia
Upper middleincome
Population, age 15+ (millions) 7.3 GNI per capita ($) 7,350
Europe & Central Asia Upper middle income
Azerbaijan
29.2 51.4 70.525.9 47.4 67.326.9 44.2 62.710.0 35.6 58.130.1 45.7 68.8
29.2 51.4 70.414.9 43.3 57.4
.. 0.3 0.7
15.7 36.9 45.910.0 36.4 38.557.1 66.7 55.788.2 72.5 42.8
13.9 22.5 18.14.3 7.3 9.61.6 12.5 12.3
6.3 22.9 19.98.1 14.9 14.44.2 11.9 15.3
19.4 12.9 15.44.7 31.5 37.20.0 2.5 8.8
15.2 11.8 19.719.9 15.5 17.8
3.1 22.1 29.80.0 1.0 5.68.5 15.6 17.9
5.3 8.4 32.21.6 4.9 25.11.6 6.6 4.9
39.5 38.5 62.711.1 11.8 30.68.9 5.1 17.67.7 12.1 25.4
18.9 12.4 10.417.7 7.8 7.933.3 23.6 24.0
6.1 2.1 2.646.4 39.5 37.7
7.1 2.8 6.64.4 6.2 6.17.0 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
29The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
BahrainPopulation, age 15+ (millions) 1.1 GNI per capita ($) 19,700
High income
81.9 94.066.7 93.880.1 90.666.5 84.181.4 93.8
81.9 94.064.5 90.0
.. ..
74.9 79.762.2 61.9
.. ..90.7 68.5
29.1 44.39.1 17.2
15.6 61.1
57.2 65.324.4 46.728.8 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
34.7 51.616.3 45.3
.. ..65.3 70.825.1 39.722.1 9.030.3 25.0
21.3 18.421.9 14.236.4 14.913.3 0.960.1 39.8
9.8 2.614.1 5.623.5 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
30 2015 The Little Data Book on Financial Inclusion
Country data
SouthAsia
Lowincome
BangladeshPopulation, age 15+ (millions) 109.6 GNI per capita ($) 1,010
South Asia Low income
31.0 46.4 27.526.5 37.4 23.923.1 38.1 19.420.8 36.7 20.225.6 43.5 24.8
29.1 45.5 22.331.7 32.3 21.1
2.7 2.6 10.0
5.2 18.0 6.62.3 7.2 6.37.5 31.1 20.22.8 16.9 19.7
1.6 3.5 3.20.4 3.1 1.00.7 2.7 0.9
1.0 8.5 2.10.2 2.6 0.60.4 1.2 1.2
10.4 10.7 18.39.0 20.1 15.4
33.0 7.7 42.85.7 13.7 14.1
14.1 12.2 25.68.6 15.8 13.0
17.3 4.7 33.82.4 9.8 14.8
7.4 12.7 9.916.6 11.1 11.55.2 8.8 16.3
23.9 36.2 46.55.6 9.1 8.34.0 7.3 16.77.2 14.6 16.6
9.9 6.4 8.623.3 8.7 11.725.2 31.4 34.9
4.5 10.9 6.548.3 46.7 52.5
3.8 8.6 12.25.1 8.9 10.92.3 3.8 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
31The Little Data Book on Financial Inclusion 2015
Country data
Europe & Central
Asia
Upper middleincome
BelarusPopulation, age 15+ (millions) 8.0 GNI per capita ($) 6,730
Europe & Central Asia Upper middle income
72.0 51.4 70.572.0 47.4 67.366.2 44.2 62.748.2 35.6 58.162.5 45.7 68.8
72.0 51.4 70.458.6 43.3 57.4
.. 0.3 0.7
39.9 36.9 45.950.3 36.4 38.567.7 66.7 55.780.5 72.5 42.8
51.3 22.5 18.114.3 7.3 9.623.6 12.5 12.3
35.9 22.9 19.912.7 14.9 14.421.7 11.9 15.3
17.6 12.9 15.427.1 31.5 37.22.4 2.5 8.8
16.4 11.8 19.715.8 15.5 17.826.7 22.1 29.80.0 1.0 5.6
26.4 15.6 17.9
14.9 8.4 32.26.8 4.9 25.11.2 6.6 4.9
50.4 38.5 62.721.9 11.8 30.6
5.1 5.1 17.68.2 12.1 25.4
14.2 12.4 10.416.1 7.8 7.921.1 23.6 24.00.9 2.1 2.6
39.0 39.5 37.71.8 2.8 6.62.3 6.2 6.1
18.1 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
32 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
BelgiumPopulation, age 15+ (millions) 9.3 GNI per capita ($) 46,340
High income: OECD High income
98.1 94.099.5 93.898.3 90.690.9 84.198.9 93.8
98.1 94.096.3 90.0
.. ..
93.6 79.785.8 61.9
.. ..76.7 68.5
52.1 44.324.6 17.270.5 61.1
84.9 65.337.0 46.752.4 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
55.5 51.642.6 45.3
.. ..74.7 70.846.6 39.7
6.0 9.020.3 25.0
15.8 18.410.5 14.212.2 14.9
0.0 0.931.4 39.83.0 2.62.0 5.6
30.3 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
33The Little Data Book on Financial Inclusion 2015
Country data
LatinAmerica &the Carib.
Upper middleincome
BelizePopulation, age 15+ (thousands) 220 GNI per capita ($) 4,510
Latin America & Caribbean Upper middle income
48.2 51.4 70.552.3 48.6 67.338.4 41.2 62.739.3 37.4 58.145.3 46.0 68.8
48.2 51.1 70.4.. 39.3 57.4
.. 1.7 0.7
24.0 40.4 45.9.. 28.9 38.5
40.9 71.1 55.7.. 57.0 42.8
8.2 18.0 18.17.2 9.0 9.65.2 6.3 12.3
6.4 27.7 19.96.6 18.0 14.44.8 6.9 15.3
12.2 9.5 15.432.5 .. 37.2
3.0 .. 8.821.6 .. 19.717.9 11.3 17.832.8 34.2 29.8
3.6 4.3 5.616.8 28.4 17.9
22.1 13.5 32.2.. 9.6 25.1
9.8 7.9 4.959.5 40.6 62.718.6 10.6 30.614.4 10.6 17.630.9 17.2 25.4
13.7 11.3 10.4.. 7.9 7.9
31.6 13.5 24.05.2 4.7 2.6
52.2 32.7 37.75.8 6.1 6.6
16.3 8.3 6.112.6 9.6 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
34 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lowincome
BeninPopulation, age 15+ (millions) 5.9 GNI per capita ($) 790
Sub-Saharan Africa Low income
16.6 34.2 27.513.6 29.9 23.911.0 24.6 19.48.4 25.9 20.2
12.6 29.2 24.8
16.0 28.9 22.310.5 23.9 21.1
2.0 11.5 10.0
5.0 17.9 6.60.7 15.0 6.3
39.1 53.8 20.20.4 51.7 19.7
3.2 7.3 3.20.9 3.8 1.00.5 2.8 0.9
1.2 8.7 2.10.3 1.9 0.62.5 2.4 1.2
18.7 28.7 18.313.0 31.0 15.44.8 30.8 42.8
15.8 21.0 14.124.2 37.2 25.610.8 26.6 13.04.5 27.6 33.8
10.4 22.1 14.8
7.1 15.9 9.97.0 14.3 11.5
36.8 23.9 16.361.1 59.6 46.55.5 9.8 8.3
16.5 22.7 16.717.8 22.9 16.6
7.6 6.3 8.64.2 4.8 11.7
24.2 41.9 34.92.7 4.7 6.5
39.6 54.5 52.512.7 12.8 12.2
7.3 12.3 10.95.5 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
35The Little Data Book on Financial Inclusion 2015
Country data
SouthAsia
Lower middleincome
BhutanPopulation, age 15+ (thousands) 542 GNI per capita ($) 2,330
South Asia Lower middle income
33.7 46.4 42.727.7 37.4 36.325.4 38.1 33.222.2 36.7 34.724.9 43.5 40.0
33.7 45.5 41.8.. 32.3 28.7
.. 2.6 2.5
17.2 18.0 21.2.. 7.2 10.1
51.3 31.1 42.4.. 16.9 28.1
6.4 3.5 5.60.5 3.1 3.31.1 2.7 3.1
10.1 8.5 9.60.0 2.6 2.80.8 1.2 2.6
7.8 10.7 14.2.. 20.1 30.9.. 7.7 7.7.. 13.7 18.3
12.5 12.2 17.823.0 15.8 26.00.2 4.7 5.7
10.9 9.8 16.6
22.6 12.7 14.8.. 11.1 11.1
1.1 8.8 12.432.7 36.2 45.6
7.3 9.1 12.69.4 7.3 11.8
24.4 14.6 20.0
4.2 6.4 7.5.. 8.7 7.3
10.2 31.4 33.11.3 10.9 8.5
18.4 46.7 47.43.2 8.6 9.26.0 8.9 10.15.7 3.8 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
36 2015 The Little Data Book on Financial Inclusion
Country data
LatinAmerica &the Carib.
Lower middleincome
BoliviaPopulation, age 15+ (millions) 7.0 GNI per capita ($) 2,550
Latin America & Caribbean Lower middle income
41.8 51.4 42.738.0 48.6 36.326.3 41.2 33.231.4 37.4 34.735.4 46.0 40.0
40.7 51.1 41.828.0 39.3 28.7
2.8 1.7 2.5
23.1 40.4 21.212.8 28.9 10.140.3 71.1 42.438.0 57.0 28.1
10.4 18.0 5.62.6 9.0 3.32.3 6.3 3.1
11.1 27.7 9.64.6 18.0 2.80.9 6.9 2.6
17.7 9.5 14.242.0 .. 30.9
7.9 .. 7.723.9 .. 18.318.8 11.3 17.833.7 34.2 26.04.4 4.3 5.7
23.4 28.4 16.6
23.5 13.5 14.817.1 9.6 11.114.2 7.9 12.464.4 40.6 45.617.5 10.6 12.625.4 10.6 11.835.8 17.2 20.0
19.7 11.3 7.516.6 7.9 7.313.2 13.5 33.1
2.8 4.7 8.535.7 32.7 47.411.8 6.1 9.2
7.0 8.3 10.120.6 9.6 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
37The Little Data Book on Financial Inclusion 2015
Country data
Europe & Central
Asia
Upper middleincome
Bosnia and HerzegovinaPopulation, age 15+ (millions) 3.2 GNI per capita ($) 4,780
Europe & Central Asia Upper middle income
52.7 51.4 70.547.1 47.4 67.342.3 44.2 62.734.4 35.6 58.152.3 45.7 68.8
52.7 51.4 70.456.2 43.3 57.4
.. 0.3 0.7
34.4 36.9 45.934.4 36.4 38.544.8 66.7 55.742.9 72.5 42.8
18.6 22.5 18.12.1 7.3 9.63.0 12.5 12.3
18.7 22.9 19.96.2 14.9 14.43.3 11.9 15.3
8.0 12.9 15.4.. 31.5 37.2.. 2.5 8.8.. 11.8 19.7
8.6 15.5 17.8.. 22.1 29.8.. 1.0 5.6.. 15.6 17.9
8.8 8.4 32.26.1 4.9 25.12.4 6.6 4.9
25.6 38.5 62.710.0 11.8 30.6
2.6 5.1 17.67.8 12.1 25.4
14.0 12.4 10.413.0 7.8 7.9
6.6 23.6 24.00.1 2.1 2.6
25.1 39.5 37.72.3 2.8 6.61.6 6.2 6.1
16.7 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
38 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Upper middleincome
BotswanaPopulation, age 15+ (millions) 1.3 GNI per capita ($) 7,770
Sub-Saharan Africa Upper middle income
52.0 34.2 70.548.7 29.9 67.336.6 24.6 62.747.7 25.9 58.152.3 29.2 68.8
49.2 28.9 70.430.3 23.9 57.4
20.8 11.5 0.7
35.1 17.9 45.915.6 15.0 38.578.2 53.8 55.778.0 51.7 42.8
18.9 7.3 18.112.6 3.8 9.6
8.1 2.8 12.3
26.9 8.7 19.97.8 1.9 14.46.3 2.4 15.3
36.1 28.7 15.457.6 31.0 37.236.9 30.8 8.826.2 21.0 19.748.3 37.2 17.845.4 26.6 29.834.9 27.6 5.624.0 22.1 17.9
26.6 15.9 32.216.5 14.3 25.135.4 23.9 4.958.2 59.6 62.716.7 9.8 30.616.5 22.7 17.622.1 22.9 25.4
13.0 6.3 10.45.6 4.8 7.9
61.2 41.9 24.09.1 4.7 2.6
69.0 54.5 37.710.3 12.8 6.611.3 12.3 6.1
9.6 5.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
39The Little Data Book on Financial Inclusion 2015
Country data
LatinAmerica &the Carib.
Upper middleincome
BrazilPopulation, age 15+ (millions) 152.1 GNI per capita ($) 11,690
Latin America & Caribbean Upper middle income
68.1 51.4 70.564.8 48.6 67.358.5 41.2 62.752.6 37.4 58.163.0 46.0 68.8
68.1 51.1 70.455.9 39.3 57.4
0.9 1.7 0.7
59.2 40.4 45.941.2 28.9 38.575.4 71.1 55.757.5 57.0 42.8
22.9 18.0 18.113.2 9.0 9.6
9.4 6.3 12.3
41.7 27.7 19.928.3 18.0 14.4
8.8 6.9 15.3
5.8 9.5 15.4.. .. 37.2.. .. 8.8.. .. 19.7
6.4 11.3 17.8.. 34.2 29.8.. 4.3 5.6.. 28.4 17.9
12.3 13.5 32.210.3 9.6 25.13.5 7.9 4.9
28.0 40.6 62.73.6 10.6 30.66.9 10.6 17.66.1 17.2 25.4
11.9 11.3 10.46.3 7.9 7.95.9 13.5 24.01.1 4.7 2.6
22.3 32.7 37.73.5 6.1 6.61.7 8.3 6.1
10.5 9.6 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
40 2015 The Little Data Book on Financial Inclusion
Country data
Europe & Central
Asia
Upper middleincome
BulgariaPopulation, age 15+ (millions) 6.3 GNI per capita ($) 7,360
Europe & Central Asia Upper middle income
63.0 51.4 70.563.2 47.4 67.349.9 44.2 62.732.6 35.6 58.154.3 45.7 68.8
63.0 51.4 70.452.8 43.3 57.4
.. 0.3 0.7
55.9 36.9 45.945.8 36.4 38.576.2 66.7 55.776.5 72.5 42.8
32.3 22.5 18.110.0 7.3 9.65.9 12.5 12.3
34.5 22.9 19.99.2 14.9 14.4
16.1 11.9 15.3
17.8 12.9 15.414.7 31.5 37.20.0 2.5 8.8
11.7 11.8 19.720.1 15.5 17.88.6 22.1 29.80.0 1.0 5.68.3 15.6 17.9
14.3 8.4 32.24.8 4.9 25.10.8 6.6 4.9
27.3 38.5 62.711.5 11.8 30.65.6 5.1 17.67.5 12.1 25.4
13.3 12.4 10.47.8 7.8 7.9
19.8 23.6 24.01.6 2.1 2.6
33.1 39.5 37.71.6 2.8 6.62.1 6.2 6.1
14.7 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
41The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lowincome
Burkina FasoPopulation, age 15+ (millions) 9.2 GNI per capita ($) 750
Sub-Saharan Africa Low income
14.4 34.2 27.512.6 29.9 23.98.9 24.6 19.48.3 25.9 20.2
13.0 29.2 24.8
13.4 28.9 22.313.4 23.9 21.1
3.1 11.5 10.0
4.3 17.9 6.62.0 15.0 6.3
20.2 53.8 20.23.6 51.7 19.7
3.9 7.3 3.22.0 3.8 1.00.9 2.8 0.9
1.4 8.7 2.11.4 1.9 0.61.7 2.4 1.2
18.5 28.7 18.313.0 31.0 15.416.5 30.8 42.830.2 21.0 14.126.7 37.2 25.69.2 26.6 13.06.9 27.6 33.8
24.0 22.1 14.8
8.7 15.9 9.97.9 14.3 11.5
18.0 23.9 16.350.8 59.6 46.5
7.5 9.8 8.315.3 22.7 16.720.4 22.9 16.6
5.0 6.3 8.63.1 4.8 11.7
30.5 41.9 34.92.4 4.7 6.5
46.4 54.5 52.58.5 12.8 12.29.9 12.3 10.93.4 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
42 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lowincome
BurundiPopulation, age 15+ (millions) 5.6 GNI per capita ($) 260
Sub-Saharan Africa Low income
7.1 34.2 27.56.7 29.9 23.92.3 24.6 19.44.9 25.9 20.26.5 29.2 24.8
6.9 28.9 22.37.2 23.9 21.1
0.7 11.5 10.0
1.3 17.9 6.60.8 15.0 6.3
.. 53.8 20.2
.. 51.7 19.7
1.6 7.3 3.20.3 3.8 1.00.1 2.8 0.9
0.6 8.7 2.10.2 1.9 0.60.2 2.4 1.2
9.9 28.7 18.3.. 31.0 15.4.. 30.8 42.8.. 21.0 14.1
15.4 37.2 25.67.3 26.6 13.02.2 27.6 33.86.0 22.1 14.8
4.0 15.9 9.93.3 14.3 11.58.1 23.9 16.3
34.9 59.6 46.53.2 9.8 8.36.1 22.7 16.7
14.2 22.9 16.6
1.5 6.3 8.61.7 4.8 11.7
45.9 41.9 34.96.0 4.7 6.5
60.3 54.5 52.55.8 12.8 12.2
17.6 12.3 10.91.4 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
43The Little Data Book on Financial Inclusion 2015
Country data
East Asia & Pacific
Lowincome
CambodiaPopulation, age 15+ (millions) 10.4 GNI per capita ($) 950
East Asia & Pacific Low income
22.2 69.0 27.520.5 67.0 23.917.9 60.9 19.426.3 60.7 20.220.4 64.5 24.8
12.6 68.8 22.33.7 55.1 21.1
13.3 0.4 10.0
5.4 42.9 6.62.9 34.7 6.3
30.5 53.3 20.2.. 37.0 19.7
3.2 15.1 3.20.4 8.1 1.01.7 11.8 0.9
0.7 14.8 2.12.3 10.8 0.60.6 15.6 1.2
19.8 16.6 18.326.4 36.9 15.428.0 8.7 42.855.4 18.5 14.123.7 20.6 25.620.4 29.0 13.026.4 4.9 33.839.3 15.8 14.8
3.6 36.5 9.90.8 28.5 11.5
14.1 6.0 16.367.0 71.0 46.528.6 36.5 8.324.7 21.3 16.737.3 30.7 16.6
27.7 11.0 8.619.5 8.6 11.736.2 28.3 34.918.2 2.5 6.562.0 41.2 52.514.8 8.3 12.2
8.1 7.1 10.912.4 8.0 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
44 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lower middleincome
CameroonPopulation, age 15+ (millions) 12.7 GNI per capita ($) 1,290
Sub-Saharan Africa Lower middle income
12.2 34.2 42.710.2 29.9 36.3
2.7 24.6 33.25.3 25.9 34.7
11.1 29.2 40.0
11.4 28.9 41.814.8 23.9 28.7
1.8 11.5 2.5
6.1 17.9 21.22.1 15.0 10.1
27.1 53.8 42.45.8 51.7 28.1
3.7 7.3 5.60.4 3.8 3.30.2 2.8 3.1
1.5 8.7 9.60.3 1.9 2.80.7 2.4 2.6
28.5 28.7 14.24.3 31.0 30.92.3 30.8 7.7
62.1 21.0 18.338.9 37.2 17.8
7.0 26.6 26.01.6 27.6 5.7
57.1 22.1 16.6
7.7 15.9 14.89.9 14.3 11.1
34.6 23.9 12.464.0 59.6 45.6
7.2 9.8 12.616.7 22.7 11.825.5 22.9 20.0
1.9 6.3 7.54.5 4.8 7.3
42.2 41.9 33.11.6 4.7 8.5
56.6 54.5 47.411.0 12.8 9.212.5 12.3 10.1
2.7 5.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
45The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
CanadaPopulation, age 15+ (millions) 29.4 GNI per capita ($) 52,210
High income: OECD High income
99.1 94.099.2 93.898.4 90.697.4 84.198.3 93.8
99.1 94.095.8 90.0
.. ..
93.2 79.788.0 61.9
.. ..69.9 68.5
52.4 44.328.6 17.269.4 61.1
83.0 65.373.1 46.765.7 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
62.6 51.653.2 45.3
.. ..82.2 70.851.7 39.77.3 9.0
31.9 25.0
27.0 18.420.3 14.217.1 14.91.3 0.9
50.7 39.83.2 2.67.4 5.6
32.4 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
46 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lowincome
ChadPopulation, age 15+ (millions) 6.6 GNI per capita ($) 1,030
Sub-Saharan Africa Low income
12.4 34.2 27.57.8 29.9 23.98.3 24.6 19.48.1 25.9 20.2
12.1 29.2 24.8
7.7 28.9 22.39.0 23.9 21.1
5.8 11.5 10.0
2.8 17.9 6.65.3 15.0 6.3
.. 53.8 20.2
.. 51.7 19.7
0.8 7.3 3.21.4 3.8 1.00.2 2.8 0.9
0.5 8.7 2.10.5 1.9 0.62.3 2.4 1.2
18.5 28.7 18.39.1 31.0 15.4
33.9 30.8 42.829.7 21.0 14.130.9 37.2 25.6
4.6 26.6 13.024.3 27.6 33.811.1 22.1 14.8
4.6 15.9 9.96.8 14.3 11.5
20.1 23.9 16.348.6 59.6 46.5
2.5 9.8 8.322.4 22.7 16.714.1 22.9 16.6
2.4 6.3 8.66.2 4.8 11.7
24.5 41.9 34.93.1 4.7 6.5
41.0 54.5 52.511.4 12.8 12.24.8 12.3 10.94.5 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
47The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
ChilePopulation, age 15+ (millions) 13.9 GNI per capita ($) 15,230
High income: OECD High income
63.3 94.059.2 93.856.4 90.662.5 84.161.2 93.8
63.2 94.042.2 90.0
3.8 ..
54.1 79.725.8 61.980.8 ..61.8 68.5
27.7 44.35.5 17.28.6 61.1
39.8 65.322.6 46.714.6 54.1
14.9 ..55.8 ..
2.7 ..23.0 ..15.4 ..40.5 ..
2.5 ..23.4 ..
15.0 51.612.4 45.31.8 ..
35.9 70.812.9 39.7
5.9 9.013.8 25.0
15.6 18.47.8 14.26.3 14.90.6 0.9
28.6 39.83.0 2.64.7 5.6
13.3 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
48 2015 The Little Data Book on Financial Inclusion
Country data
EastAsia & Pacific
Upper middleincome
ChinaPopulation, age 15+ (millions) 1,112.6 GNI per capita ($) 6,560
East Asia & Pacific Upper middle income
78.9 69.0 70.576.4 67.0 67.372.0 60.9 62.774.2 60.7 58.174.3 64.5 68.8
78.9 68.8 70.463.8 55.1 57.4
.. 0.4 0.7
48.6 42.9 45.941.0 34.7 38.551.2 53.3 55.733.4 37.0 42.8
17.7 15.1 18.19.5 8.1 9.6
15.1 11.8 12.3
17.3 14.8 19.913.8 10.8 14.419.2 15.6 15.3
15.5 16.6 15.434.3 36.9 37.210.1 8.7 8.815.0 18.5 19.717.6 20.6 17.827.3 29.0 29.86.0 4.9 5.6
12.3 15.8 17.9
41.2 36.5 32.232.1 28.5 25.12.5 6.0 4.9
72.1 71.0 62.738.7 36.5 30.621.9 21.3 17.629.9 30.7 25.4
9.6 11.0 10.47.3 8.6 7.9
25.1 28.3 24.01.1 2.5 2.6
36.3 41.2 37.77.0 8.3 6.64.9 7.1 6.18.5 8.0 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
49The Little Data Book on Financial Inclusion 2015
Country data
LatinAmerica &the Carib.
Upper middleincome
ColombiaPopulation, age 15+ (millions) 34.9 GNI per capita ($) 7,590
Latin America & Caribbean Upper middle income
39.0 51.4 70.534.0 48.6 67.324.4 41.2 62.728.4 37.4 58.135.9 46.0 68.8
38.4 51.1 70.430.4 39.3 57.4
2.2 1.7 0.7
30.0 40.4 45.922.7 28.9 38.580.8 71.1 55.761.2 57.0 42.8
15.4 18.0 18.14.8 9.0 9.61.9 6.3 12.3
17.5 27.7 19.912.2 18.0 14.4
6.4 6.9 15.3
19.8 9.5 15.418.8 .. 37.2
0.9 .. 8.863.4 .. 19.719.1 11.3 17.817.9 34.2 29.80.7 4.3 5.6
63.3 28.4 17.9
12.3 13.5 32.29.2 9.6 25.15.4 7.9 4.9
43.9 40.6 62.713.0 10.6 30.613.1 10.6 17.620.4 17.2 25.4
15.6 11.3 10.411.9 7.9 7.915.9 13.5 24.0
8.1 4.7 2.638.9 32.7 37.710.2 6.1 6.610.1 8.3 6.1
9.7 9.6 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
50 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lowincome
Congo, Dem. Rep.Population, age 15+ (millions) 37.1 GNI per capita ($) 430
Sub-Saharan Africa Low income
17.5 34.2 27.514.3 29.9 23.912.2 24.6 19.412.3 25.9 20.214.1 29.2 24.8
10.9 28.9 22.33.7 23.9 21.1
9.2 11.5 10.0
3.8 17.9 6.61.7 15.0 6.3
.. 53.8 20.2
.. 51.7 19.7
3.7 7.3 3.21.5 3.8 1.00.2 2.8 0.9
1.6 8.7 2.11.0 1.9 0.62.7 2.4 1.2
15.3 28.7 18.39.4 31.0 15.4
13.6 30.8 42.853.4 21.0 14.137.2 37.2 25.610.3 26.6 13.09.2 27.6 33.8
46.1 22.1 14.8
4.7 15.9 9.91.5 14.3 11.5
15.4 23.9 16.365.2 59.6 46.5
4.4 9.8 8.325.7 22.7 16.721.4 22.9 16.6
2.4 6.3 8.61.5 4.8 11.7
40.9 41.9 34.96.0 4.7 6.5
56.9 54.5 52.511.2 12.8 12.210.8 12.3 10.9
2.7 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
51The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lower middleincome
Congo, Rep.Population, age 15+ (millions) 2.6 GNI per capita ($) 2,590
Sub-Saharan Africa Lower middle income
17.1 34.2 42.715.0 29.9 36.36.6 24.6 33.27.4 25.9 34.7
11.8 29.2 40.0
16.7 28.9 41.810.0 23.9 28.7
2.0 11.5 2.5
10.2 17.9 21.24.1 15.0 10.1
16.3 53.8 42.46.8 51.7 28.1
5.0 7.3 5.61.8 3.8 3.30.6 2.8 3.1
2.5 8.7 9.61.0 1.9 2.80.8 2.4 2.6
25.1 28.7 14.224.5 31.0 30.9
1.7 30.8 7.769.5 21.0 18.327.0 37.2 17.816.3 26.6 26.0
2.6 27.6 5.761.2 22.1 16.6
9.8 15.9 14.85.9 14.3 11.1
24.1 23.9 12.455.9 59.6 45.611.9 9.8 12.619.3 22.7 11.820.4 22.9 20.0
4.4 6.3 7.53.2 4.8 7.3
23.6 41.9 33.16.4 4.7 8.5
41.6 54.5 47.410.3 12.8 9.2
7.2 12.3 10.13.2 5.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
52 2015 The Little Data Book on Financial Inclusion
Country data
LatinAmerica &the Carib.
Upper middleincome
Costa RicaPopulation, age 15+ (millions) 3.7 GNI per capita ($) 9,550
Latin America & Caribbean Upper middle income
64.6 51.4 70.560.2 48.6 67.361.3 41.2 62.761.6 37.4 58.167.3 46.0 68.8
64.6 51.1 70.450.4 39.3 57.4
.. 1.7 0.7
53.6 40.4 45.943.8 28.9 38.583.2 71.1 55.772.2 57.0 42.8
18.7 18.0 18.17.9 9.0 9.69.4 6.3 12.3
35.3 27.7 19.910.8 18.0 14.410.4 6.9 15.3
16.4 9.5 15.448.2 .. 37.2
2.4 .. 8.836.2 .. 19.719.2 11.3 17.843.1 34.2 29.8
0.6 4.3 5.619.1 28.4 17.9
24.2 13.5 32.219.9 9.6 25.16.5 7.9 4.9
59.4 40.6 62.719.2 10.6 30.614.7 10.6 17.626.8 17.2 25.4
12.7 11.3 10.410.0 7.9 7.914.3 13.5 24.04.8 4.7 2.6
40.0 32.7 37.75.6 6.1 6.68.7 8.3 6.1
11.0 9.6 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
53The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lower middleincome
Côte d’IvoirePopulation, age 15+ (millions) 11.9 GNI per capita ($) 1,450
Sub-Saharan Africa Lower middle income
34.3 34.2 42.729.2 29.9 36.325.1 24.6 33.224.1 25.9 34.734.0 29.2 40.0
15.1 28.9 41.8.. 23.9 28.7
24.3 11.5 2.5
5.5 17.9 21.2.. 15.0 10.1
8.0 53.8 42.4.. 51.7 28.1
2.9 7.3 5.61.2 3.8 3.31.3 2.8 3.1
0.7 8.7 9.60.6 1.9 2.81.7 2.4 2.6
39.1 28.7 14.26.6 31.0 30.9
41.7 30.8 7.731.5 21.0 18.336.4 37.2 17.8
4.7 26.6 26.050.0 27.6 5.724.6 22.1 16.6
8.9 15.9 14.8.. 14.3 11.1
22.9 23.9 12.463.2 59.6 45.611.8 9.8 12.622.6 22.7 11.819.0 22.9 20.0
2.3 6.3 7.5.. 4.8 7.3
35.5 41.9 33.10.8 4.7 8.5
48.4 54.5 47.49.6 12.8 9.27.4 12.3 10.12.9 5.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
54 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
CroatiaPopulation, age 15+ (millions) 3.6 GNI per capita ($) 13,420
High income
86.0 94.087.7 93.881.5 90.657.8 84.184.2 93.8
86.0 94.088.4 90.0
.. ..
71.1 79.774.8 61.970.4 ..70.6 68.5
43.2 44.311.4 17.29.8 61.1
50.4 65.332.8 46.719.9 54.1
13.0 ..63.8 ..
2.6 ..4.7 ..
15.8 ..54.6 ..
4.7 ..2.8 ..
27.3 51.612.2 45.3
9.8 ..51.8 70.834.8 39.7
6.8 9.016.3 25.0
23.1 18.414.4 14.226.7 14.91.5 0.9
56.1 39.84.2 2.68.7 5.6
23.4 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
55The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
CyprusPopulation, age 15+ (thousands) 948 GNI per capita ($) 25,210
High income
90.2 94.090.3 93.892.7 90.674.4 84.191.1 93.8
90.2 94.085.2 90.0
.. ..
48.9 79.746.4 61.9
.. ..43.2 68.5
26.3 44.324.0 17.232.8 61.1
37.5 65.321.9 46.731.1 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
22.0 51.630.4 45.3
.. ..41.2 70.812.9 39.7
4.5 9.016.3 25.0
9.6 18.427.0 14.220.7 14.90.4 0.9
32.8 39.81.7 2.69.7 5.6
28.4 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
56 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
Czech RepublicPopulation, age 15+ (millions) 9.0 GNI per capita ($) 18,970
High income: OECD High income
82.2 94.079.4 93.879.1 90.664.9 84.179.9 93.8
82.2 94.080.7 90.0
.. ..
64.0 79.761.0 61.980.2 ..81.0 68.5
45.4 44.319.4 17.253.8 61.1
52.2 65.320.0 46.745.7 54.1
14.3 ..40.2 ..
4.2 ..3.0 ..
15.9 ..25.6 ..1.2 ..1.9 ..
37.6 51.635.5 45.3
3.8 ..62.6 70.838.8 39.7
6.4 9.015.6 25.0
13.0 18.49.5 14.2
14.1 14.91.8 0.9
31.4 39.81.5 2.62.7 5.6
21.5 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
57The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
DenmarkPopulation, age 15+ (millions) 4.6 GNI per capita ($) 61,670
High income: OECD High income
100.0 94.0100.0 93.8100.0 90.6100.0 84.1100.0 93.8
100.0 94.099.7 90.0
.. ..
95.5 79.790.1 61.9
.. ..46.8 68.5
64.4 44.342.7 17.282.4 61.1
91.2 65.328.5 46.773.8 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
64.7 51.656.5 45.3
.. ..81.2 70.845.0 39.7
3.3 9.013.9 25.0
21.6 18.418.8 14.214.9 14.90.3 0.9
38.9 39.81.4 2.64.4 5.6
38.2 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
58 2015 The Little Data Book on Financial Inclusion
Country data
LatinAmerica &the Carib.
Upper middleincome
Dominican RepublicPopulation, age 15+ (millions) 7.3 GNI per capita ($) 5,770
Latin America & Caribbean Upper middle income
54.1 51.4 70.556.0 48.6 67.341.8 41.2 62.738.0 37.4 58.146.5 46.0 68.8
54.0 51.1 70.438.2 39.3 57.4
2.3 1.7 0.7
22.6 40.4 45.921.3 28.9 38.539.5 71.1 55.741.3 57.0 42.8
17.8 18.0 18.19.8 9.0 9.63.9 6.3 12.3
11.4 27.7 19.99.3 18.0 14.44.2 6.9 15.3
20.5 9.5 15.432.0 .. 37.2
4.6 .. 8.826.3 .. 19.729.6 11.3 17.828.9 34.2 29.8
2.3 4.3 5.631.5 28.4 17.9
26.5 13.5 32.216.0 9.6 25.114.2 7.9 4.957.3 40.6 62.711.3 10.6 30.616.2 10.6 17.625.3 17.2 25.4
18.2 11.3 10.413.9 7.9 7.922.2 13.5 24.020.9 4.7 2.653.6 32.7 37.711.3 6.1 6.615.5 8.3 6.113.9 9.6 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
59The Little Data Book on Financial Inclusion 2015
Country data
LatinAmerica &the Carib.
Upper middleincome
EcuadorPopulation, age 15+ (millions) 11.0 GNI per capita ($) 5,760
Latin America & Caribbean Upper middle income
46.2 51.4 70.540.8 48.6 67.332.4 41.2 62.733.5 37.4 58.148.2 46.0 68.8
46.2 51.1 70.436.7 39.3 57.4
.. 1.7 0.7
25.6 40.4 45.917.1 28.9 38.546.5 71.1 55.736.1 57.0 42.8
11.9 18.0 18.10.9 9.0 9.60.6 6.3 12.3
11.8 27.7 19.94.9 18.0 14.42.0 6.9 15.3
7.2 9.5 15.4.. .. 37.2.. .. 8.8.. .. 19.7
7.9 11.3 17.8.. 34.2 29.8.. 4.3 5.6.. 28.4 17.9
14.3 13.5 32.214.5 9.6 25.11.4 7.9 4.9
32.1 40.6 62.76.8 10.6 30.69.5 10.6 17.6
17.3 17.2 25.4
13.4 11.3 10.410.6 7.9 7.96.1 13.5 24.01.9 4.7 2.6
22.8 32.7 37.75.6 6.1 6.64.0 8.3 6.1
13.4 9.6 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
60 2015 The Little Data Book on Financial Inclusion
Country data
MiddleEast
Lower middleincome
Egypt, Arab Rep.Population, age 15+ (millions) 56.5 GNI per capita ($) 3,140
Middle East Lower middle income
14.1 14.2 42.79.3 9.2 36.35.6 7.3 33.27.3 7.6 34.7
10.5 10.7 40.0
13.7 14.0 41.89.7 10.9 28.7
1.1 0.7 2.5
9.6 8.5 21.25.1 5.5 10.1
51.3 44.9 42.4.. 42.4 28.1
2.9 3.3 5.60.3 0.9 3.30.1 0.2 3.1
3.5 3.3 9.61.4 1.5 2.81.4 2.1 2.6
5.4 9.3 14.2.. .. 30.9.. .. 7.7.. .. 18.3
8.1 11.3 17.8.. 9.8 26.0.. 0.2 5.7.. 15.6 16.6
4.1 4.0 14.80.7 2.7 11.1
11.8 11.5 12.425.9 30.5 45.6
2.1 5.0 12.62.7 5.1 11.88.0 9.1 20.0
6.3 5.6 7.53.7 4.4 7.3
21.5 30.7 33.12.5 7.9 8.5
34.1 45.7 47.42.4 4.2 9.29.2 8.2 10.16.2 6.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
61The Little Data Book on Financial Inclusion 2015
Country data
LatinAmerica &the Carib.
Lower middleincome
El SalvadorPopulation, age 15+ (millions) 4.4 GNI per capita ($) 3,720
Latin America & Caribbean Lower middle income
36.7 51.4 42.731.9 48.6 36.324.4 41.2 33.230.5 37.4 34.731.5 46.0 40.0
34.6 51.1 41.813.8 39.3 28.7
4.6 1.7 2.5
21.8 40.4 21.210.9 28.9 10.166.5 71.1 42.470.2 57.0 28.1
15.1 18.0 5.64.4 9.0 3.33.9 6.3 3.1
12.9 27.7 9.66.6 18.0 2.84.0 6.9 2.6
7.9 9.5 14.2.. .. 30.9.. .. 7.7.. .. 18.3
17.3 11.3 17.827.3 34.2 26.012.4 4.3 5.719.6 28.4 16.6
14.0 13.5 14.812.9 9.6 11.1
7.0 7.9 12.457.5 40.6 45.614.8 10.6 12.614.8 10.6 11.830.1 17.2 20.0
17.2 11.3 7.53.9 7.9 7.3
12.4 13.5 33.16.2 4.7 8.5
44.0 32.7 47.410.8 6.1 9.210.6 8.3 10.112.1 9.6 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
62 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
EstoniaPopulation, age 15+ (millions) 1.1 GNI per capita ($) 17,780
High income: OECD High income
97.7 94.097.5 93.897.8 90.690.6 84.196.9 93.8
97.7 94.096.8 90.0
.. ..
93.3 79.792.3 61.994.8 ..92.7 68.5
58.7 44.331.5 17.268.0 61.1
88.8 65.324.3 46.763.6 54.1
19.3 ..67.5 ..4.0 ..2.0 ..
18.8 ..59.0 ..
4.6 ..5.4 ..
31.6 51.628.9 45.3
1.8 ..51.8 70.828.1 39.7
9.5 9.010.3 25.0
14.3 18.47.7 14.2
19.8 14.91.1 0.9
36.7 39.81.5 2.63.3 5.6
26.8 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
63The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lowincome
EthiopiaPopulation, age 15+ (millions) 53.9 GNI per capita ($) 470
Sub-Saharan Africa Low income
21.8 34.2 27.521.0 29.9 23.915.9 24.6 19.414.3 25.9 20.218.7 29.2 24.8
21.8 28.9 22.3.. 23.9 21.1
0.0 11.5 10.0
0.8 17.9 6.6.. 15.0 6.3
0.9 53.8 20.2.. 51.7 19.7
0.7 7.3 3.20.3 3.8 1.00.1 2.8 0.9
0.0 8.7 2.10.2 1.9 0.60.4 2.4 1.2
9.9 28.7 18.3.. 31.0 15.4.. 30.8 42.8.. 21.0 14.1
8.6 37.2 25.6.. 26.6 13.0.. 27.6 33.8.. 22.1 14.8
13.6 15.9 9.9.. 14.3 11.5
29.8 23.9 16.348.1 59.6 46.5
8.0 9.8 8.314.9 22.7 16.78.3 22.9 16.6
7.4 6.3 8.6.. 4.8 11.7
29.5 41.9 34.91.1 4.7 6.5
43.5 54.5 52.511.5 12.8 12.24.2 12.3 10.92.0 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
64 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
FinlandPopulation, age 15+ (millions) 4.5 GNI per capita ($) 48,820
High income: OECD High income
100.0 94.0100.0 93.8100.0 90.6100.0 84.1100.0 93.8
100.0 94.099.7 90.0
.. ..
96.7 79.789.3 61.9
.. ..86.8 68.5
58.1 44.337.0 17.279.2 61.1
91.6 65.350.3 46.775.0 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
57.0 51.656.1 45.3
.. ..71.0 70.832.7 39.75.4 9.0
10.1 25.0
21.6 18.423.9 14.220.3 14.9
0.1 0.946.4 39.8
2.1 2.66.0 5.6
30.6 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
65The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
FrancePopulation, age 15+ (millions) 53.9 GNI per capita ($) 43,520
High income: OECD High income
96.6 94.095.5 93.894.9 90.678.9 84.197.7 93.8
96.6 94.097.0 90.0
.. ..
81.1 79.769.2 61.9
.. ..77.7 68.5
48.3 44.316.4 17.270.7 61.1
76.0 65.336.0 46.744.5 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
52.2 51.649.5 45.3
.. ..67.1 70.829.5 39.7
7.3 9.017.9 25.0
15.1 18.418.6 14.2
6.6 14.90.2 0.9
28.3 39.82.1 2.63.2 5.6
25.9 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
66 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Upper middleincome
GabonPopulation, age 15+ (millions) 1.0 GNI per capita ($) 10,650
Sub-Saharan Africa Upper middle income
33.0 34.2 70.530.7 29.9 67.320.4 24.6 62.723.1 25.9 58.126.3 29.2 68.8
30.2 28.9 70.418.9 23.9 57.4
6.6 11.5 0.7
18.5 17.9 45.98.6 15.0 38.5
36.5 53.8 55.729.0 51.7 42.8
10.1 7.3 18.14.6 3.8 9.62.1 2.8 12.3
8.8 8.7 19.94.8 1.9 14.43.7 2.4 15.3
27.1 28.7 15.424.9 31.0 37.2
9.7 30.8 8.867.0 21.0 19.736.8 37.2 17.814.6 26.6 29.86.2 27.6 5.6
46.3 22.1 17.9
18.0 15.9 32.28.7 14.3 25.1
24.7 23.9 4.956.0 59.6 62.716.5 9.8 30.618.5 22.7 17.629.0 22.9 25.4
4.3 6.3 10.42.3 4.8 7.9
28.0 41.9 24.09.0 4.7 2.6
37.8 54.5 37.75.8 12.8 6.67.1 12.3 6.16.0 5.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
67The Little Data Book on Financial Inclusion 2015
Country data
Europe & Central
Asia
Lower middleincome
GeorgiaPopulation, age 15+ (millions) 3.7 GNI per capita ($) 3,560
Europe & Central Asia Lower middle income
39.7 51.4 42.739.8 47.4 36.328.6 44.2 33.2
9.9 35.6 34.740.1 45.7 40.0
39.7 51.4 41.833.0 43.3 28.7
.. 0.3 2.5
29.6 36.9 21.220.2 36.4 10.136.2 66.7 42.440.0 72.5 28.1
14.5 22.5 5.64.9 7.3 3.32.2 12.5 3.1
7.1 22.9 9.613.2 14.9 2.8
5.0 11.9 2.6
10.1 12.9 14.215.9 31.5 30.9
0.0 2.5 7.725.0 11.8 18.322.1 15.5 17.810.0 22.1 26.00.0 1.0 5.7
35.6 15.6 16.6
1.0 8.4 14.81.0 4.9 11.11.2 6.6 12.4
13.3 38.5 45.60.9 11.8 12.63.1 5.1 11.84.3 12.1 20.0
13.7 12.4 7.511.0 7.8 7.316.2 23.6 33.1
2.7 2.1 8.533.1 39.5 47.4
2.7 2.8 9.22.0 6.2 10.1
14.6 10.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
68 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
GermanyPopulation, age 15+ (millions) 70.1 GNI per capita ($) 47,250
High income: OECD High income
98.8 94.099.4 93.897.1 90.693.7 84.198.8 93.8
98.8 94.098.1 90.0
.. ..
92.0 79.788.0 61.9
.. ..79.2 68.5
47.2 44.311.4 17.272.8 61.1
79.2 65.336.4 46.756.4 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
57.9 51.655.9 45.3
.. ..79.8 70.855.1 39.710.7 9.017.1 25.0
18.6 18.412.5 14.2
9.8 14.90.2 0.9
31.8 39.83.6 2.62.2 5.6
21.1 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
69The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lower middleincome
GhanaPopulation, age 15+ (millions) 15.9 GNI per capita ($) 1,770
Sub-Saharan Africa Lower middle income
40.5 34.2 42.739.4 29.9 36.330.0 24.6 33.236.4 25.9 34.734.5 29.2 40.0
34.6 28.9 41.829.4 23.9 28.7
13.0 11.5 2.5
9.8 17.9 21.211.4 15.0 10.119.9 53.8 42.424.3 51.7 28.1
5.8 7.3 5.62.0 3.8 3.30.7 2.8 3.1
4.4 8.7 9.60.6 1.9 2.82.7 2.4 2.6
26.5 28.7 14.216.8 31.0 30.938.9 30.8 7.717.2 21.0 18.336.9 37.2 17.816.2 26.6 26.034.6 27.6 5.713.0 22.1 16.6
18.6 15.9 14.816.1 14.3 11.121.5 23.9 12.455.3 59.6 45.613.9 9.8 12.624.5 22.7 11.828.7 22.9 20.0
8.1 6.3 7.55.8 4.8 7.3
21.6 41.9 33.14.3 4.7 8.5
36.4 54.5 47.410.2 12.8 9.210.7 12.3 10.112.0 5.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
70 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
GreecePopulation, age 15+ (millions) 9.4 GNI per capita ($) 22,690
High income: OECD High income
87.5 94.086.6 93.881.5 90.647.0 84.186.6 93.8
87.5 94.077.9 90.0
.. ..
55.1 79.734.0 61.957.5 ..52.8 68.5
22.1 44.330.3 17.2
5.9 61.1
14.8 65.38.3 46.7
11.1 54.1
13.6 ..37.5 ..0.0 ..1.0 ..
15.1 ..28.9 ..
0.0 ..4.2 ..
12.6 51.619.9 45.3
0.7 ..23.7 70.89.3 39.71.2 9.04.3 25.0
10.2 18.47.9 14.2
14.1 14.90.1 0.9
27.5 39.81.1 2.61.3 5.6
14.1 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
71The Little Data Book on Financial Inclusion 2015
Country data
LatinAmerica &the Carib.
Lower middleincome
GuatemalaPopulation, age 15+ (millions) 9.2 GNI per capita ($) 3,340
Latin America & Caribbean Lower middle income
41.3 51.4 42.734.7 48.6 36.327.2 41.2 33.236.9 37.4 34.740.9 46.0 40.0
40.8 51.1 41.822.3 39.3 28.7
1.8 1.7 2.5
16.2 40.4 21.213.0 28.9 10.136.8 71.1 42.426.2 57.0 28.1
9.9 18.0 5.63.9 9.0 3.34.7 6.3 3.1
10.0 27.7 9.64.9 18.0 2.84.3 6.9 2.6
9.6 9.5 14.2.. .. 30.9.. .. 7.7.. .. 18.3
13.6 11.3 17.831.8 34.2 26.0
3.7 4.3 5.712.3 28.4 16.6
15.1 13.5 14.810.2 9.6 11.111.8 7.9 12.455.7 40.6 45.615.7 10.6 12.618.0 10.6 11.837.3 17.2 20.0
12.3 11.3 7.513.7 7.9 7.319.5 13.5 33.1
2.6 4.7 8.543.5 32.7 47.4
8.7 6.1 9.215.0 8.3 10.1
7.8 9.6 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
72 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lowincome
GuineaPopulation, age 15+ (millions) 6.8 GNI per capita ($) 460
Sub-Saharan Africa Low income
7.0 34.2 27.54.1 29.9 23.92.2 24.6 19.44.3 25.9 20.24.7 29.2 24.8
6.2 28.9 22.33.7 23.9 21.1
1.5 11.5 10.0
3.7 17.9 6.62.3 15.0 6.3
.. 53.8 20.2
.. 51.7 19.7
2.3 7.3 3.21.0 3.8 1.00.4 2.8 0.9
1.2 8.7 2.11.0 1.9 0.61.8 2.4 1.2
20.0 28.7 18.310.2 31.0 15.4
5.4 30.8 42.825.3 21.0 14.134.2 37.2 25.6
7.9 26.6 13.02.8 27.6 33.8
20.6 22.1 14.8
2.9 15.9 9.92.0 14.3 11.5
18.7 23.9 16.345.2 59.6 46.5
4.8 9.8 8.318.9 22.7 16.711.0 22.9 16.6
2.0 6.3 8.62.4 4.8 11.7
37.1 41.9 34.93.6 4.7 6.5
52.2 54.5 52.516.6 12.8 12.212.3 12.3 10.9
4.1 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
73The Little Data Book on Financial Inclusion 2015
Country data
LatinAmerica &the Carib.
Lowincome
HaitiPopulation, age 15+ (millions) 6.7 GNI per capita ($) 810
Latin America & Caribbean Low income
18.9 51.4 27.516.1 48.6 23.914.5 41.2 19.414.7 37.4 20.217.6 46.0 24.8
17.5 51.1 22.322.0 39.3 21.1
3.8 1.7 10.0
4.1 40.4 6.62.7 28.9 6.37.3 71.1 20.25.9 57.0 19.7
2.2 18.0 3.23.5 9.0 1.00.8 6.3 0.9
1.8 27.7 2.11.6 18.0 0.62.7 6.9 1.2
13.4 9.5 18.314.6 .. 15.412.4 .. 42.821.2 .. 14.119.5 11.3 25.6
7.7 34.2 13.08.6 4.3 33.8
48.6 28.4 14.8
9.4 13.5 9.918.0 9.6 11.5
4.9 7.9 16.344.8 40.6 46.511.4 10.6 8.314.7 10.6 16.728.2 17.2 16.6
4.6 11.3 8.68.3 7.9 11.7
27.0 13.5 34.911.9 4.7 6.547.6 32.7 52.58.1 6.1 12.2
26.5 8.3 10.97.1 9.6 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
74 2015 The Little Data Book on Financial Inclusion
Country data
LatinAmerica &the Carib.
Lower middleincome
HondurasPopulation, age 15+ (millions) 5.2 GNI per capita ($) 2,180
Latin America & Caribbean Lower middle income
31.5 51.4 42.727.0 48.6 36.319.7 41.2 33.227.2 37.4 34.726.5 46.0 40.0
30.0 51.1 41.820.5 39.3 28.7
3.4 1.7 2.5
14.2 40.4 21.211.1 28.9 10.123.7 71.1 42.426.1 57.0 28.1
5.8 18.0 5.61.6 9.0 3.34.6 6.3 3.1
8.9 27.7 9.65.0 18.0 2.83.0 6.9 2.6
10.9 9.5 14.242.8 .. 30.911.3 .. 7.726.8 .. 18.316.1 11.3 17.843.7 34.2 26.012.5 4.3 5.728.1 28.4 16.6
14.5 13.5 14.88.5 9.6 11.15.4 7.9 12.4
39.7 40.6 45.610.6 10.6 12.610.6 10.6 11.822.0 17.2 20.0
9.7 11.3 7.57.1 7.9 7.3
18.3 13.5 33.13.6 4.7 8.5
40.6 32.7 47.48.0 6.1 9.2
15.9 8.3 10.17.1 9.6 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
75The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
Hong Kong SAR, ChinaPopulation, age 15+ (millions) 6.3 GNI per capita ($) 38,420
High income
96.1 94.096.3 93.894.8 90.689.0 84.189.9 93.8
96.1 94.088.7 90.0
.. ..
69.9 79.775.8 61.9
.. ..76.4 68.5
43.0 44.311.8 17.239.8 61.1
50.8 65.359.3 46.736.3 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
50.0 51.642.8 45.3
.. ..67.4 70.839.3 39.7
9.1 9.028.4 25.0
8.2 18.47.9 14.28.3 14.90.2 0.9
25.8 39.81.1 2.65.4 5.6
10.4 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
76 2015 The Little Data Book on Financial Inclusion
Country data
Europe & Central
Asia
Upper middleincome
HungaryPopulation, age 15+ (millions) 8.4 GNI per capita ($) 13,260
Europe & Central Asia Upper middle income
72.3 51.4 70.572.5 47.4 67.370.8 44.2 62.750.7 35.6 58.170.8 45.7 68.8
72.3 51.4 70.472.7 43.3 57.4
.. 0.3 0.7
59.9 36.9 45.962.4 36.4 38.582.7 66.7 55.780.9 72.5 42.8
35.9 22.5 18.111.1 7.3 9.631.9 12.5 12.3
47.1 22.9 19.98.9 14.9 14.4
22.2 11.9 15.3
9.4 12.9 15.4.. 31.5 37.2.. 2.5 8.8.. 11.8 19.7
12.0 15.5 17.817.1 22.1 29.80.0 1.0 5.6
11.9 15.6 17.9
19.3 8.4 32.217.3 4.9 25.12.3 6.6 4.9
38.2 38.5 62.717.6 11.8 30.64.0 5.1 17.65.8 12.1 25.4
8.7 12.4 10.49.4 7.8 7.9
14.9 23.6 24.00.7 2.1 2.6
31.4 39.5 37.71.1 2.8 6.62.0 6.2 6.1
17.4 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
77The Little Data Book on Financial Inclusion 2015
Country data
SouthAsia
Lower middleincome
IndiaPopulation, age 15+ (millions) 887.9 GNI per capita ($) 1,570
South Asia Lower middle income
53.1 46.4 42.743.1 37.4 36.343.9 38.1 33.243.2 36.7 34.750.1 43.5 40.0
52.8 45.5 41.835.2 32.3 28.7
2.4 2.6 2.5
22.1 18.0 21.28.4 7.2 10.1
33.1 31.1 42.418.4 16.9 28.1
4.0 3.5 5.63.6 3.1 3.33.4 2.7 3.1
10.7 8.5 9.63.4 2.6 2.81.2 1.2 2.6
9.9 10.7 14.2.. 20.1 30.9.. 7.7 7.7.. 13.7 18.3
9.8 12.2 17.8.. 15.8 26.0.. 4.7 5.7.. 9.8 16.6
14.4 12.7 14.811.6 11.1 11.18.8 8.8 12.4
38.3 36.2 45.69.9 9.1 12.67.0 7.3 11.8
16.0 14.6 20.0
6.4 6.4 7.57.7 8.7 7.3
32.3 31.4 33.112.6 10.9 8.546.3 46.7 47.4
9.0 8.6 9.29.7 8.9 10.13.7 3.8 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
78 2015 The Little Data Book on Financial Inclusion
Country data
EastAsia & Pacific
Lower middleincome
IndonesiaPopulation, age 15+ (millions) 177.7 GNI per capita ($) 3,580
East Asia & Pacific Lower middle income
36.1 69.0 42.737.5 67.0 36.322.2 60.9 33.235.2 60.7 34.728.7 64.5 40.0
35.9 68.8 41.819.6 55.1 28.7
0.4 0.4 2.5
25.9 42.9 21.210.5 34.7 10.170.9 53.3 42.451.1 37.0 28.1
6.6 15.1 5.63.0 8.1 3.32.9 11.8 3.1
8.5 14.8 9.61.1 10.8 2.85.1 15.6 2.6
17.9 16.6 14.252.4 36.9 30.9
3.6 8.7 7.78.7 18.5 18.3
31.0 20.6 17.836.3 29.0 26.0
0.2 4.9 5.77.9 15.8 16.6
26.6 36.5 14.815.3 28.5 11.125.2 6.0 12.469.3 71.0 45.627.1 36.5 12.622.6 21.3 11.833.3 30.7 20.0
13.1 11.0 7.58.5 8.6 7.3
41.5 28.3 33.12.9 2.5 8.5
56.6 41.2 47.411.7 8.3 9.212.2 7.1 10.1
5.5 8.0 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
79The Little Data Book on Financial Inclusion 2015
Country data
Upper middleincome
Iran, Islamic Rep.Population, age 15+ (millions) 59.0 GNI per capita ($) 5,780
Upper middle income
92.3 70.587.3 67.391.1 62.788.6 58.190.4 68.8
92.2 70.473.7 57.4
4.5 0.7
75.1 45.958.3 38.576.7 55.767.7 42.8
16.8 18.161.6 9.634.9 12.3
55.3 19.98.8 14.4
17.8 15.3
25.1 15.460.7 37.20.0 8.8
11.0 19.735.4 17.846.9 29.8
0.0 5.610.9 17.9
21.6 32.219.7 25.16.5 4.9
42.2 62.78.3 30.6
10.4 17.616.4 25.4
31.6 10.430.7 7.948.7 24.0
9.1 2.680.1 37.7
7.1 6.68.3 6.1
21.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
80 2015 The Little Data Book on Financial Inclusion
Country data
Middle East
Upper middleincome
IraqPopulation, age 15+ (millions) 20.0 GNI per capita ($) 6,720
Middle East Upper middle income
11.0 14.2 70.57.4 9.2 67.38.0 7.3 62.78.6 7.6 58.1
11.3 10.7 68.8
11.0 14.0 70.410.6 10.9 57.4
.. 0.7 0.7
3.5 8.5 45.93.3 5.5 38.5
.. 44.9 55.75.5 42.4 42.8
0.8 3.3 18.10.9 0.9 9.60.4 0.2 12.3
1.4 3.3 19.91.0 1.5 14.45.0 2.1 15.3
20.7 9.3 15.46.8 .. 37.21.8 .. 8.8
16.5 .. 19.715.0 11.3 17.810.6 9.8 29.80.6 0.2 5.6
18.1 15.6 17.9
3.5 4.0 32.25.4 2.7 25.1
16.9 11.5 4.948.6 30.5 62.716.1 5.0 30.613.0 5.1 17.617.1 9.1 25.4
4.2 5.6 10.48.0 4.4 7.9
48.2 30.7 24.019.8 7.9 2.669.4 45.7 37.7
9.9 4.2 6.610.8 8.2 6.16.2 6.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
81The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
IrelandPopulation, age 15+ (millions) 3.6 GNI per capita ($) 43,090
High income: OECD High income
94.7 94.094.8 93.890.9 90.690.9 84.194.5 93.8
94.7 94.093.9 90.0
.. ..
86.0 79.770.5 61.9
.. ..74.4 68.5
37.9 44.323.5 17.256.3 61.1
75.8 65.339.2 46.754.1 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
49.4 51.651.3 45.3
.. ..69.7 70.830.8 39.710.9 9.025.9 25.0
18.3 18.415.7 14.216.2 14.9
0.8 0.936.1 39.83.3 2.68.4 5.6
26.3 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
82 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
IsraelPopulation, age 15+ (millions) 5.8 GNI per capita ($) 33,930
High income: OECD High income
90.0 94.090.0 93.883.9 90.667.3 84.188.4 93.8
90.0 94.090.5 90.0
.. ..
32.4 79.77.5 61.9
80.0 ..67.8 68.5
53.2 44.328.9 17.243.5 61.1
20.4 65.375.1 46.735.7 54.1
18.2 ..43.7 ..5.8 ..
16.7 ..21.6 ..37.3 ..2.3 ..8.8 ..
53.5 51.624.8 45.3
4.7 ..62.1 70.828.6 39.710.9 9.017.1 25.0
40.5 18.416.7 14.217.1 14.91.6 0.9
64.2 39.85.9 2.6
10.3 5.634.3 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
83The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
ItalyPopulation, age 15+ (millions) 51.8 GNI per capita ($) 35,620
High income: OECD High income
87.3 94.083.2 93.883.4 90.660.8 84.185.8 93.8
87.3 94.071.0 90.0
.. ..
64.5 79.735.2 61.9
.. ..56.4 68.5
32.3 44.36.8 17.2
44.4 61.1
52.6 65.332.3 46.739.0 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
34.0 51.615.5 45.3
.. ..56.6 70.825.1 39.72.4 9.0
23.7 25.0
13.5 18.44.6 14.2
23.1 14.90.4 0.9
43.5 39.81.1 2.66.5 5.6
11.2 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
84 2015 The Little Data Book on Financial Inclusion
Country data
LatinAmerica &the Carib.
Upper middleincome
JamaicaPopulation, age 15+ (millions) 2.0 GNI per capita ($) 5,220
Latin America & Caribbean Upper middle income
78.5 51.4 70.577.8 48.6 67.369.5 41.2 62.773.4 37.4 58.176.2 46.0 68.8
78.3 51.1 70.471.0 39.3 57.4
0.9 1.7 0.7
45.0 40.4 45.941.1 28.9 38.549.7 71.1 55.746.8 57.0 42.8
12.6 18.0 18.12.8 9.0 9.67.8 6.3 12.3
24.6 27.7 19.99.8 18.0 14.4
10.5 6.9 15.3
27.8 9.5 15.426.8 .. 37.2
0.0 .. 8.836.0 .. 19.733.1 11.3 17.838.5 34.2 29.8
2.9 4.3 5.649.3 28.4 17.9
29.7 13.5 32.230.4 9.6 25.127.2 7.9 4.974.3 40.6 62.732.2 10.6 30.625.1 10.6 17.637.9 17.2 25.4
11.1 11.3 10.47.9 7.9 7.9
29.6 13.5 24.01.7 4.7 2.6
45.4 32.7 37.76.6 6.1 6.6
10.3 8.3 6.16.9 9.6 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
85The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
JapanPopulation, age 15+ (millions) 110.7 GNI per capita ($) 46,330
High income: OECD High income
96.6 94.097.0 93.895.4 90.681.5 84.196.4 93.8
96.6 94.096.4 90.0
.. ..
88.1 79.713.0 61.9
.. ..83.2 68.5
43.1 44.310.6 17.265.6 61.1
39.3 65.352.1 46.736.1 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
60.4 51.651.3 45.3
.. ..71.9 70.843.5 39.7
4.9 9.028.4 25.0
7.9 18.46.1 14.26.0 14.90.3 0.9
23.1 39.81.1 2.62.2 5.6
19.1 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
86 2015 The Little Data Book on Financial Inclusion
Country data
MiddleEast
Upper middleincome
JordanPopulation, age 15+ (millions) 4.3 GNI per capita ($) 4,950
Middle East Upper middle income
24.6 14.2 70.515.5 9.2 67.316.4 7.3 62.712.4 7.6 58.125.4 10.7 68.8
24.6 14.0 70.425.5 10.9 57.4
0.5 0.7 0.7
19.1 8.5 45.914.7 5.5 38.567.3 44.9 55.755.1 42.4 42.8
7.9 3.3 18.10.7 0.9 9.60.1 0.2 12.3
6.4 3.3 19.91.8 1.5 14.42.5 2.1 15.3
11.4 9.3 15.49.4 .. 37.21.9 .. 8.84.1 .. 19.79.5 11.3 17.8
.. 9.8 29.8
.. 0.2 5.6
.. 15.6 17.9
3.8 4.0 32.28.3 2.7 25.1
15.2 11.5 4.929.2 30.5 62.7
1.9 5.0 30.63.2 5.1 17.65.5 9.1 25.4
13.6 5.6 10.44.5 4.4 7.9
17.4 30.7 24.01.1 7.9 2.6
32.2 45.7 37.72.8 4.2 6.64.1 8.2 6.1
14.9 6.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
87The Little Data Book on Financial Inclusion 2015
Country data
Europe & Central
Asia
Upper middleincome
KazakhstanPopulation, age 15+ (millions) 12.6 GNI per capita ($) 11,550
Europe & Central Asia Upper middle income
53.9 51.4 70.555.6 47.4 67.346.0 44.2 62.731.6 35.6 58.147.9 45.7 68.8
53.9 51.4 70.442.1 43.3 57.4
.. 0.3 0.7
32.0 36.9 45.931.3 36.4 38.569.4 66.7 55.755.5 72.5 42.8
29.9 22.5 18.110.4 7.3 9.6
2.6 12.5 12.3
12.7 22.9 19.95.2 14.9 14.46.9 11.9 15.3
13.5 12.9 15.436.7 31.5 37.21.8 2.5 8.8
17.3 11.8 19.712.4 15.5 17.819.9 22.1 29.8
0.0 1.0 5.625.0 15.6 17.9
8.0 8.4 32.26.7 4.9 25.12.6 6.6 4.9
30.3 38.5 62.76.3 11.8 30.62.8 5.1 17.68.5 12.1 25.4
16.5 12.4 10.413.1 7.8 7.923.9 23.6 24.0
2.1 2.1 2.643.4 39.5 37.7
1.5 2.8 6.65.6 6.2 6.1
15.2 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
88 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lowincome
KenyaPopulation, age 15+ (millions) 25.6 GNI per capita ($) 1,160
Sub-Saharan Africa Low income
74.7 34.2 27.571.1 29.9 23.963.4 24.6 19.466.4 25.9 20.273.0 29.2 24.8
55.2 28.9 22.342.3 23.9 21.1
58.4 11.5 10.0
34.7 17.9 6.629.9 15.0 6.352.7 53.8 20.269.2 51.7 19.7
18.0 7.3 3.26.4 3.8 1.05.8 2.8 0.9
11.2 8.7 2.12.7 1.9 0.64.7 2.4 1.2
53.0 28.7 18.316.2 31.0 15.492.0 30.8 42.88.9 21.0 14.1
61.0 37.2 25.614.2 26.6 13.088.8 27.6 33.8
9.9 22.1 14.8
30.2 15.9 9.923.3 14.3 11.539.9 23.9 16.376.1 59.6 46.517.9 9.8 8.336.2 22.7 16.739.3 22.9 16.6
14.9 6.3 8.69.7 4.8 11.7
60.5 41.9 34.97.3 4.7 6.5
79.2 54.5 52.524.3 12.8 12.233.5 12.3 10.912.1 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
89The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
Korea, Rep.Population, age 15+ (millions) 42.7 GNI per capita ($) 25,920
High income: OECD High income
94.4 94.093.4 93.892.4 90.686.1 84.192.9 93.8
94.4 94.093.0 90.0
.. ..
66.8 79.757.9 61.9
.. ..77.0 68.5
37.9 44.314.7 17.252.3 61.1
56.1 65.353.9 46.752.5 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
52.7 51.646.9 45.3
.. ..73.9 70.841.6 39.725.4 9.033.9 25.0
18.2 18.416.6 14.217.1 14.90.7 0.9
39.4 39.84.6 2.66.9 5.6
18.9 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
90 2015 The Little Data Book on Financial Inclusion
Country data
Europe & Central
Asia
Lower middleincome
KosovoPopulation, age 15+ (millions) 1.3 GNI per capita ($) 3,940
Europe & Central Asia Lower middle income
47.8 51.4 42.736.3 47.4 36.342.3 44.2 33.241.1 35.6 34.746.0 45.7 40.0
47.8 51.4 41.844.3 43.3 28.7
.. 0.3 2.5
33.9 36.9 21.229.0 36.4 10.151.7 66.7 42.448.5 72.5 28.1
13.4 22.5 5.64.4 7.3 3.31.4 12.5 3.1
17.8 22.9 9.69.4 14.9 2.85.2 11.9 2.6
12.4 12.9 14.214.6 31.5 30.9
2.7 2.5 7.74.6 11.8 18.3
20.7 15.5 17.810.6 22.1 26.02.9 1.0 5.78.0 15.6 16.6
7.2 8.4 14.84.9 4.9 11.13.0 6.6 12.4
35.6 38.5 45.616.2 11.8 12.66.5 5.1 11.89.2 12.1 20.0
9.2 12.4 7.56.1 7.8 7.3
16.7 23.6 33.11.7 2.1 8.5
36.4 39.5 47.43.4 2.8 9.26.3 6.2 10.18.9 10.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
91The Little Data Book on Financial Inclusion 2015
Country data
High income: OCED
KuwaitPopulation, age 15+ (millions) 2.5 GNI per capita ($) 45,130
High income
72.9 94.064.0 93.865.6 90.662.9 84.178.9 93.8
72.9 94.086.8 90.0
.. ..
70.3 79.783.9 61.9
.. ..85.0 68.5
28.3 44.32.4 17.27.2 61.1
55.1 65.322.8 46.725.9 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
25.5 51.640.3 45.3
.. ..61.5 70.817.6 39.718.4 9.023.6 25.0
14.1 18.420.8 14.230.2 14.912.0 0.953.8 39.8
6.7 2.68.9 5.6
16.7 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
92 2015 The Little Data Book on Financial Inclusion
Country data
Europe & Central
Asia
Lower middleincome
Kyrgyz RepublicPopulation, age 15+ (millions) 4.0 GNI per capita ($) 1,210
Europe & Central Asia Lower middle income
18.5 51.4 42.718.9 47.4 36.314.8 44.2 33.211.6 35.6 34.715.1 45.7 40.0
18.5 51.4 41.83.8 43.3 28.7
.. 0.3 2.5
6.4 36.9 21.21.7 36.4 10.1
57.6 66.7 42.4.. 72.5 28.1
5.2 22.5 5.61.8 7.3 3.34.0 12.5 3.1
3.1 22.9 9.61.7 14.9 2.83.6 11.9 2.6
13.2 12.9 14.237.6 31.5 30.90.0 2.5 7.7
38.8 11.8 18.321.8 15.5 17.848.2 22.1 26.0
0.4 1.0 5.748.1 15.6 16.6
4.9 8.4 14.80.9 4.9 11.19.9 6.6 12.4
36.2 38.5 45.64.6 11.8 12.69.3 5.1 11.8
14.4 12.1 20.0
13.5 12.4 7.511.3 7.8 7.321.0 23.6 33.1
3.7 2.1 8.537.4 39.5 47.46.4 2.8 9.24.4 6.2 10.15.9 10.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
93The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
LatviaPopulation, age 15+ (millions) 1.7 GNI per capita ($) 15,290
High income
90.2 94.090.2 93.885.5 90.681.3 84.187.1 93.8
90.2 94.089.7 90.0
.. ..
84.5 79.777.8 61.991.3 ..84.2 68.5
54.2 44.331.9 17.245.3 61.1
77.8 65.318.4 46.748.2 54.1
23.9 ..47.2 ..1.5 ..7.0 ..
24.2 ..43.3 ..
0.3 ..8.7 ..
25.3 51.613.3 45.3
4.6 ..44.3 70.816.0 39.74.2 9.09.0 25.0
16.8 18.46.8 14.2
20.0 14.91.8 0.9
37.3 39.81.9 2.63.4 5.6
16.6 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
94 2015 The Little Data Book on Financial Inclusion
Country data
MiddleEast
Upper middleincome
LebanonPopulation, age 15+ (millions) 3.5 GNI per capita ($) 9,870
Middle East Upper middle income
46.9 14.2 70.532.9 9.2 67.327.2 7.3 62.729.8 7.6 58.142.3 10.7 68.8
46.9 14.0 70.437.0 10.9 57.4
0.7 0.7 0.7
33.4 8.5 45.921.4 5.5 38.560.9 44.9 55.750.1 42.4 42.8
19.0 3.3 18.14.6 0.9 9.60.6 0.2 12.3
19.6 3.3 19.99.1 1.5 14.44.4 2.1 15.3
14.2 9.3 15.45.2 .. 37.22.8 .. 8.8
12.1 .. 19.715.5 11.3 17.811.6 9.8 29.81.2 0.2 5.6
19.6 15.6 17.9
17.5 4.0 32.217.1 2.7 25.13.6 11.5 4.9
47.1 30.5 62.76.5 5.0 30.68.4 5.1 17.6
10.0 9.1 25.4
15.6 5.6 10.411.3 4.4 7.912.9 30.7 24.0
4.4 7.9 2.634.8 45.7 37.7
5.9 4.2 6.63.4 8.2 6.1
18.0 6.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
95The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
LithuaniaPopulation, age 15+ (millions) 2.5 GNI per capita ($) 14,900
High income
77.9 94.077.9 93.866.7 90.633.4 84.176.8 93.8
77.9 94.073.8 90.0
.. ..
64.8 79.761.3 61.987.5 ..83.2 68.5
44.1 44.324.6 17.223.4 61.1
52.2 65.37.3 46.7
31.2 54.1
13.3 ..25.3 ..
5.0 ..12.4 ..20.1 ..24.1 ..1.5 ..
10.2 ..
28.3 51.620.5 45.3
3.7 ..53.7 70.826.8 39.7
5.2 9.08.9 25.0
10.4 18.45.6 14.2
20.9 14.90.2 0.9
35.2 39.82.7 2.62.5 5.69.8 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
96 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
LuxembourgPopulation, age 15+ (thousands) 448 GNI per capita ($) 69,880
High income: OECD High income
96.2 94.096.7 93.893.8 90.686.5 84.195.3 93.8
96.2 94.094.6 90.0
.. ..
84.8 79.773.2 61.9
.. ..67.9 68.5
49.9 44.323.4 17.268.7 61.1
79.3 65.362.7 46.756.3 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
59.9 51.652.0 45.3
.. ..77.8 70.836.4 39.7
8.6 9.025.2 25.0
18.2 18.417.4 14.27.9 14.91.0 0.9
38.1 39.82.5 2.65.9 5.6
31.9 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
97The Little Data Book on Financial Inclusion 2015
Country data
Europe & Central
Asia
Upper middleincome
Macedonia, FYRPopulation, age 15+ (millions) 1.8 GNI per capita ($) 4,870
Europe & Central Asia Upper middle income
71.8 51.4 70.564.0 47.4 67.361.6 44.2 62.746.7 35.6 58.173.0 45.7 68.8
71.8 51.4 70.473.7 43.3 57.4
.. 0.3 0.7
52.7 36.9 45.936.3 36.4 38.563.4 66.7 55.733.2 72.5 42.8
30.3 22.5 18.112.6 7.3 9.610.8 12.5 12.3
35.7 22.9 19.918.8 14.9 14.411.1 11.9 15.3
9.3 12.9 15.4.. 31.5 37.2.. 2.5 8.8.. 11.8 19.7
12.2 15.5 17.827.7 22.1 29.81.5 1.0 5.66.5 15.6 17.9
13.7 8.4 32.27.8 4.9 25.15.2 6.6 4.9
39.2 38.5 62.713.4 11.8 30.6
5.6 5.1 17.613.2 12.1 25.4
13.2 12.4 10.410.6 7.8 7.920.1 23.6 24.00.9 2.1 2.6
40.0 39.5 37.72.0 2.8 6.65.0 6.2 6.1
12.3 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
98 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lowincome
MadagascarPopulation, age 15+ (millions) 13.2 GNI per capita ($) 440
Sub-Saharan Africa Low income
8.6 34.2 27.58.4 29.9 23.93.8 24.6 19.46.4 25.9 20.24.8 29.2 24.8
5.7 28.9 22.35.5 23.9 21.1
4.4 11.5 10.0
1.6 17.9 6.60.9 15.0 6.3
.. 53.8 20.2
.. 51.7 19.7
0.6 7.3 3.20.1 3.8 1.00.1 2.8 0.9
0.5 8.7 2.10.1 1.9 0.60.0 2.4 1.2
21.5 28.7 18.31.4 31.0 15.4
18.0 30.8 42.82.0 21.0 14.1
23.8 37.2 25.60.4 26.6 13.0
15.0 27.6 33.80.5 22.1 14.8
3.3 15.9 9.91.4 14.3 11.51.4 23.9 16.3
39.7 59.6 46.55.9 9.8 8.3
12.4 22.7 16.716.4 22.9 16.6
2.0 6.3 8.62.3 4.8 11.7
50.9 41.9 34.93.4 4.7 6.5
57.3 54.5 52.512.6 12.8 12.2
9.5 12.3 10.91.8 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
99The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lowincome
MalawiPopulation, age 15+ (millions) 9.0 GNI per capita ($) 270
Sub-Saharan Africa Low income
18.1 34.2 27.514.0 29.9 23.910.5 24.6 19.412.1 25.9 20.216.1 29.2 24.8
16.1 28.9 22.316.5 23.9 21.1
3.8 11.5 10.0
11.7 17.9 6.69.4 15.0 6.3
39.5 53.8 20.239.2 51.7 19.7
2.1 7.3 3.20.6 3.8 1.01.3 2.8 0.9
4.7 8.7 2.11.1 1.9 0.61.1 2.4 1.2
22.6 28.7 18.318.6 31.0 15.412.3 30.8 42.8
9.2 21.0 14.126.4 37.2 25.616.6 26.6 13.010.9 27.6 33.8
7.9 22.1 14.8
7.1 15.9 9.98.2 14.3 11.5
28.0 23.9 16.359.7 59.6 46.5
3.7 9.8 8.322.1 22.7 16.715.5 22.9 16.6
6.0 6.3 8.69.2 4.8 11.7
46.1 41.9 34.912.2 4.7 6.566.3 54.5 52.517.6 12.8 12.29.6 12.3 10.96.0 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
100 2015 The Little Data Book on Financial Inclusion
Country data
EastAsia & Pacific
Upper middleincome
MalaysiaPopulation, age 15+ (millions) 22.0 GNI per capita ($) 10,430
East Asia & Pacific Upper middle income
80.7 69.0 70.578.1 67.0 67.375.6 60.9 62.776.2 60.7 58.173.7 64.5 68.8
80.7 68.8 70.466.2 55.1 57.4
2.8 0.4 0.7
41.2 42.9 45.923.1 34.7 38.572.1 53.3 55.777.1 37.0 42.8
30.8 15.1 18.119.9 8.1 9.612.7 11.8 12.3
18.6 14.8 19.916.9 10.8 14.418.8 15.6 15.3
27.7 16.6 15.478.8 36.9 37.2
7.5 8.7 8.839.8 18.5 19.725.5 20.6 17.864.8 29.0 29.8
6.9 4.9 5.633.8 15.8 17.9
33.8 36.5 32.235.4 28.5 25.1
9.9 6.0 4.981.6 71.0 62.754.0 36.5 30.617.5 21.3 17.648.4 30.7 25.4
19.5 11.0 10.411.2 8.6 7.939.0 28.3 24.00.8 2.5 2.6
56.1 41.2 37.76.1 8.3 6.6
10.6 7.1 6.118.4 8.0 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
101The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lowincome
MaliPopulation, age 15+ (millions) 8.0 GNI per capita ($) 670
Sub-Saharan Africa Low income
20.1 34.2 27.514.7 29.9 23.913.0 24.6 19.415.7 25.9 20.219.3 29.2 24.8
13.3 28.9 22.38.2 23.9 21.1
11.6 11.5 10.0
4.0 17.9 6.61.8 15.0 6.3
17.5 53.8 20.2.. 51.7 19.7
1.3 7.3 3.20.1 3.8 1.00.2 2.8 0.9
1.9 8.7 2.10.5 1.9 0.60.5 2.4 1.2
13.4 28.7 18.34.3 31.0 15.4
37.3 30.8 42.814.9 21.0 14.130.7 37.2 25.64.9 26.6 13.0
33.4 27.6 33.814.6 22.1 14.8
2.9 15.9 9.94.5 14.3 11.5
23.5 23.9 16.344.9 59.6 46.5
4.5 9.8 8.314.5 22.7 16.78.3 22.9 16.6
2.7 6.3 8.63.7 4.8 11.7
32.9 41.9 34.92.5 4.7 6.5
41.5 54.5 52.57.4 12.8 12.22.3 12.3 10.91.7 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
102 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
MaltaPopulation, age 15+ (thousands) 361 GNI per capita ($) 20,980
High income
96.3 94.095.6 93.893.8 90.687.3 84.197.0 93.8
96.3 94.095.3 90.0
.. ..
78.5 79.771.2 61.9
.. ..71.3 68.5
30.0 44.328.4 17.236.9 61.1
61.2 65.333.5 46.738.2 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
41.6 51.644.8 45.3
.. ..71.4 70.837.0 39.75.8 9.0
23.7 25.0
9.5 18.410.0 14.28.4 14.90.3 0.9
20.4 39.81.0 2.62.1 5.6
19.0 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
103The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lower middleincome
MauritaniaPopulation, age 15+ (millions) 2.3 GNI per capita ($) 1,060
Sub-Saharan Africa Lower middle income
22.9 34.2 42.721.0 29.9 36.312.1 24.6 33.214.7 25.9 34.719.2 29.2 40.0
20.4 28.9 41.817.5 23.9 28.7
6.5 11.5 2.5
11.3 17.9 21.26.3 15.0 10.1
33.2 53.8 42.46.5 51.7 28.1
10.8 7.3 5.64.7 3.8 3.31.9 2.8 3.1
3.8 8.7 9.62.5 1.9 2.84.0 2.4 2.6
19.7 28.7 14.213.6 31.0 30.916.8 30.8 7.741.5 21.0 18.346.3 37.2 17.8
8.9 26.6 26.09.7 27.6 5.7
38.1 22.1 16.6
10.6 15.9 14.86.4 14.3 11.1
11.6 23.9 12.441.2 59.6 45.610.0 9.8 12.612.4 22.7 11.814.3 22.9 20.0
7.7 6.3 7.57.9 4.8 7.3
29.8 41.9 33.15.1 4.7 8.5
46.6 54.5 47.48.2 12.8 9.28.4 12.3 10.18.3 5.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
104 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Upper middleincome
MauritiusPopulation, age 15+ (millions) 1.0 GNI per capita ($) 9,570
Sub-Saharan Africa Upper middle income
82.2 34.2 70.580.0 29.9 67.371.4 24.6 62.769.1 25.9 58.180.7 29.2 68.8
82.2 28.9 70.480.1 23.9 57.4
0.9 11.5 0.7
62.0 17.9 45.950.9 15.0 38.566.9 53.8 55.756.7 51.7 42.8
29.5 7.3 18.19.5 3.8 9.63.4 2.8 12.3
33.1 8.7 19.913.4 1.9 14.44.3 2.4 15.3
4.3 28.7 15.4.. 31.0 37.2.. 30.8 8.8.. 21.0 19.7
6.7 37.2 17.8.. 26.6 29.8.. 27.6 5.6.. 22.1 17.9
35.5 15.9 32.230.8 14.3 25.1
5.9 23.9 4.954.2 59.6 62.722.8 9.8 30.6
3.7 22.7 17.616.7 22.9 25.4
17.1 6.3 10.414.3 4.8 7.9
3.7 41.9 24.00.0 4.7 2.6
28.8 54.5 37.71.8 12.8 6.62.7 12.3 6.1
15.2 5.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
105The Little Data Book on Financial Inclusion 2015
Country data
LatinAmerica &the Carib.
Upper middleincome
MexicoPopulation, age 15+ (millions) 87.5 GNI per capita ($) 9,940
Latin America & Caribbean Upper middle income
39.1 51.4 70.538.9 48.6 67.329.3 41.2 62.732.1 37.4 58.128.7 46.0 68.8
38.7 51.1 70.427.4 39.3 57.4
3.4 1.7 0.7
26.8 40.4 45.922.3 28.9 38.569.1 71.1 55.757.4 57.0 42.8
17.2 18.0 18.110.5 9.0 9.65.3 6.3 12.3
19.0 27.7 19.911.1 18.0 14.46.0 6.9 15.3
10.6 9.5 15.453.2 .. 37.221.3 .. 8.834.6 .. 19.711.7 11.3 17.856.9 34.2 29.813.1 4.3 5.637.6 28.4 17.9
14.5 13.5 32.26.7 9.6 25.1
17.6 7.9 4.958.4 40.6 62.720.9 10.6 30.613.7 10.6 17.628.4 17.2 25.4
10.4 11.3 10.47.6 7.9 7.9
26.0 13.5 24.09.9 4.7 2.6
50.8 32.7 37.79.5 6.1 6.6
18.9 8.3 6.18.3 9.6 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
106 2015 The Little Data Book on Financial Inclusion
Country data
Europe & Central
Asia
Lower middleincome
MoldovaPopulation, age 15+ (millions) 3.0 GNI per capita ($) 2,470
Europe & Central Asia Lower middle income
17.8 51.4 42.719.0 47.4 36.312.4 44.2 33.212.2 35.6 34.715.2 45.7 40.0
17.8 51.4 41.818.1 43.3 28.7
.. 0.3 2.5
15.8 36.9 21.216.0 36.4 10.165.7 66.7 42.469.6 72.5 28.1
11.1 22.5 5.61.0 7.3 3.31.2 12.5 3.1
7.1 22.9 9.65.5 14.9 2.8
10.0 11.9 2.6
11.4 12.9 14.24.2 31.5 30.90.0 2.5 7.76.7 11.8 18.3
20.0 15.5 17.88.4 22.1 26.00.0 1.0 5.7
24.6 15.6 16.6
6.8 8.4 14.83.5 4.9 11.15.2 6.6 12.4
44.1 38.5 45.611.4 11.8 12.6
7.7 5.1 11.816.8 12.1 20.0
6.6 12.4 7.56.4 7.8 7.3
39.1 23.6 33.13.7 2.1 8.5
46.8 39.5 47.44.9 2.8 9.2
10.6 6.2 10.16.4 10.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
107The Little Data Book on Financial Inclusion 2015
Country data
EastAsia & Pacific
Lower middleincome
MongoliaPopulation, age 15+ (millions) 2.1 GNI per capita ($) 3,770
East Asia & Pacific Lower middle income
91.8 69.0 42.793.2 67.0 36.389.1 60.9 33.293.0 60.7 34.790.0 64.5 40.0
91.8 68.8 41.877.7 55.1 28.7
5.0 0.4 2.5
65.7 42.9 21.260.6 34.7 10.146.9 53.3 42.445.8 37.0 28.1
25.6 15.1 5.625.2 8.1 3.3
6.1 11.8 3.1
36.6 14.8 9.60.8 10.8 2.86.8 15.6 2.6
34.0 16.6 14.265.7 36.9 30.912.7 8.7 7.721.5 18.5 18.337.8 20.6 17.855.9 29.0 26.0
6.2 4.9 5.719.1 15.8 16.6
33.2 36.5 14.823.2 28.5 11.1
5.6 6.0 12.447.3 71.0 45.68.0 36.5 12.68.8 21.3 11.8
21.6 30.7 20.0
35.7 11.0 7.524.8 8.6 7.328.8 28.3 33.1
3.1 2.5 8.553.9 41.2 47.4
8.7 8.3 9.27.6 7.1 10.1
17.3 8.0 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
108 2015 The Little Data Book on Financial Inclusion
Country data
Europe & Central
Asia
Upper middleincome
MontenegroPopulation, age 15+ (thousands) 505 GNI per capita ($) 7,250
Europe & Central Asia Upper middle income
59.8 51.4 70.557.9 47.4 67.349.1 44.2 62.741.3 35.6 58.153.1 45.7 68.8
59.8 51.4 70.450.4 43.3 57.4
.. 0.3 0.7
33.8 36.9 45.922.0 36.4 38.533.2 66.7 55.735.9 72.5 42.8
26.5 22.5 18.15.6 7.3 9.62.9 12.5 12.3
22.8 22.9 19.912.3 14.9 14.4
7.3 11.9 15.3
12.3 12.9 15.426.9 31.5 37.2
0.6 2.5 8.87.7 11.8 19.7
13.1 15.5 17.819.3 22.1 29.8
1.1 1.0 5.68.0 15.6 17.9
5.3 8.4 32.23.4 4.9 25.13.6 6.6 4.9
26.8 38.5 62.76.8 11.8 30.62.9 5.1 17.68.6 12.1 25.4
23.5 12.4 10.421.8 7.8 7.920.7 23.6 24.00.5 2.1 2.6
50.1 39.5 37.73.6 2.8 6.68.0 6.2 6.1
23.9 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
109The Little Data Book on Financial Inclusion 2015
Country data
EastAsia & Pacific
Lowincome
MyanmarPopulation, age 15+ (millions) 40.0 GNI per capita ($) ..
East Asia & Pacific Low income
22.8 69.0 27.517.4 67.0 23.916.1 60.9 19.413.5 60.7 20.221.2 64.5 24.8
22.6 68.8 22.3.. 55.1 21.1
0.2 0.4 10.0
1.7 42.9 6.6.. 34.7 6.3
4.8 53.3 20.2.. 37.0 19.7
0.4 15.1 3.20.4 8.1 1.00.0 11.8 0.9
0.4 14.8 2.10.0 10.8 0.60.2 15.6 1.2
6.8 16.6 18.3.. 36.9 15.4.. 8.7 42.8.. 18.5 14.1
11.0 20.6 25.639.0 29.0 13.0
0.0 4.9 33.811.6 15.8 14.8
12.8 36.5 9.9.. 28.5 11.5
6.0 6.0 16.346.7 71.0 46.515.8 36.5 8.319.0 21.3 16.716.5 30.7 16.6
15.5 11.0 8.6.. 8.6 11.7
21.8 28.3 34.916.3 2.5 6.542.8 41.2 52.522.4 8.3 12.2
5.7 7.1 10.90.7 8.0 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
110 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Upper middleincome
NamibiaPopulation, age 15+ (millions) 1.5 GNI per capita ($) 5,870
Sub-Saharan Africa Upper middle income
58.8 34.2 70.556.8 29.9 67.341.9 24.6 62.742.1 25.9 58.153.9 29.2 68.8
58.1 28.9 70.4.. 23.9 57.4
10.4 11.5 0.7
48.8 17.9 45.9.. 15.0 38.5
69.2 53.8 55.7.. 51.7 42.8
17.6 7.3 18.16.2 3.8 9.64.9 2.8 12.3
28.2 8.7 19.96.9 1.9 14.43.4 2.4 15.3
31.3 28.7 15.469.6 31.0 37.221.6 30.8 8.816.7 21.0 19.734.9 37.2 17.859.8 26.6 29.831.6 27.6 5.620.0 22.1 17.9
26.7 15.9 32.2.. 14.3 25.1
9.5 23.9 4.956.9 59.6 62.715.6 9.8 30.615.4 22.7 17.634.0 22.9 25.4
6.9 6.3 10.4.. 4.8 7.9
30.0 41.9 24.02.4 4.7 2.6
46.0 54.5 37.74.5 12.8 6.6
19.7 12.3 6.15.1 5.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
111The Little Data Book on Financial Inclusion 2015
Country data
SouthAsia
Lowincome
NepalPopulation, age 15+ (millions) 18.2 GNI per capita ($) 730
South Asia Low income
33.8 46.4 27.531.3 37.4 23.923.7 38.1 19.425.4 36.7 20.232.1 43.5 24.8
33.8 45.5 22.325.3 32.3 21.1
0.3 2.6 10.0
6.7 18.0 6.63.7 7.2 6.3
13.9 31.1 20.211.8 16.9 19.7
2.4 3.5 3.20.5 3.1 1.00.0 2.7 0.9
2.6 8.5 2.10.1 2.6 0.60.4 1.2 1.2
12.5 10.7 18.320.5 20.1 15.4
0.0 7.7 42.820.9 13.7 14.124.1 12.2 25.617.4 15.8 13.00.0 4.7 33.8
17.9 9.8 14.8
16.4 12.7 9.99.9 11.1 11.5
14.4 8.8 16.344.7 36.2 46.59.2 9.1 8.3
12.4 7.3 16.718.1 14.6 16.6
11.9 6.4 8.610.8 8.7 11.735.1 31.4 34.917.8 10.9 6.559.0 46.7 52.58.5 8.6 12.2
12.7 8.9 10.98.0 3.8 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
112 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
NetherlandsPopulation, age 15+ (millions) 13.9 GNI per capita ($) 51,060
High income: OECD High income
99.3 94.099.2 93.898.7 90.699.1 84.199.4 93.8
99.3 94.098.7 90.0
.. ..
98.4 79.797.6 61.9
.. ..85.0 68.5
60.6 44.332.4 17.263.4 61.1
94.0 65.326.0 46.768.1 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
58.9 51.657.8 45.3
.. ..74.5 70.831.0 39.74.9 9.0
23.9 25.0
12.6 18.412.6 14.213.2 14.9
0.0 0.927.0 39.81.1 2.64.1 5.6
38.9 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
113The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
New ZealandPopulation, age 15+ (millions) 3.5 GNI per capita ($) 35,760
High income: OECD High income
99.5 94.099.2 93.899.0 90.699.1 84.1
100.0 93.8
99.5 94.099.4 90.0
.. ..
95.5 79.793.8 61.9
.. ..71.9 68.5
58.9 44.334.6 17.268.6 61.1
91.9 65.358.3 46.771.7 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
70.6 51.660.4 45.3
.. ..86.9 70.851.5 39.712.0 9.032.1 25.0
32.5 18.426.6 14.215.6 14.90.9 0.9
54.3 39.86.7 2.68.8 5.6
39.2 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
114 2015 The Little Data Book on Financial Inclusion
Country data
LatinAmerica &the Carib.
Lower middleincome
NicaraguaPopulation, age 15+ (millions) 4.1 GNI per capita ($) 1,790
Latin America & Caribbean Lower middle income
19.4 51.4 42.714.4 48.6 36.38.5 41.2 33.2
11.1 37.4 34.716.3 46.0 40.0
18.9 51.1 41.814.2 39.3 28.7
1.1 1.7 2.5
11.3 40.4 21.28.3 28.9 10.1
57.9 71.1 42.435.2 57.0 28.1
7.9 18.0 5.61.2 9.0 3.31.6 6.3 3.1
4.8 27.7 9.61.9 18.0 2.82.3 6.9 2.6
8.8 9.5 14.2.. .. 30.9.. .. 7.7.. .. 18.3
15.8 11.3 17.820.7 34.2 26.03.8 4.3 5.7
30.5 28.4 16.6
8.1 13.5 14.86.5 9.6 11.19.8 7.9 12.4
51.4 40.6 45.610.2 10.6 12.615.0 10.6 11.831.1 17.2 20.0
14.3 11.3 7.57.6 7.9 7.3
16.7 13.5 33.16.3 4.7 8.5
42.5 32.7 47.48.9 6.1 9.2
12.5 8.3 10.16.7 9.6 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
115The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lowincome
NigerPopulation, age 15+ (millions) 8.9 GNI per capita ($) 400
Sub-Saharan Africa Low income
6.7 34.2 27.54.3 29.9 23.96.0 24.6 19.46.2 25.9 20.27.0 29.2 24.8
3.5 28.9 22.31.5 23.9 21.1
3.9 11.5 10.0
0.5 17.9 6.60.8 15.0 6.3
.. 53.8 20.2
.. 51.7 19.7
0.9 7.3 3.20.8 3.8 1.00.0 2.8 0.9
0.1 8.7 2.11.2 1.9 0.61.0 2.4 1.2
19.8 28.7 18.34.2 31.0 15.43.9 30.8 42.8
14.1 21.0 14.147.5 37.2 25.6
1.2 26.6 13.03.7 27.6 33.8
16.3 22.1 14.8
2.0 15.9 9.91.2 14.3 11.5
27.9 23.9 16.361.0 59.6 46.5
0.9 9.8 8.324.6 22.7 16.7
6.1 22.9 16.6
1.4 6.3 8.61.3 4.8 11.7
56.0 41.9 34.91.5 4.7 6.5
70.7 54.5 52.517.5 12.8 12.2
6.0 12.3 10.91.9 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
116 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lower middleincome
NigeriaPopulation, age 15+ (millions) 96.6 GNI per capita ($) 2,710
Sub-Saharan Africa Lower middle income
44.4 34.2 42.734.0 29.9 36.334.4 24.6 33.235.7 25.9 34.739.4 29.2 40.0
44.2 28.9 41.829.7 23.9 28.7
2.3 11.5 2.5
35.6 17.9 21.218.6 15.0 10.170.5 53.8 42.440.8 51.7 28.1
8.8 7.3 5.63.0 3.8 3.35.2 2.8 3.1
14.1 8.7 9.61.9 1.9 2.83.3 2.4 2.6
39.3 28.7 14.253.2 31.0 30.9
4.6 30.8 7.78.9 21.0 18.3
45.3 37.2 17.851.7 26.6 26.05.8 27.6 5.7
10.1 22.1 16.6
27.1 15.9 14.823.6 14.3 11.123.0 23.9 12.469.0 59.6 45.616.3 9.8 12.631.7 22.7 11.832.5 22.9 20.0
5.3 6.3 7.52.1 4.8 7.3
37.5 41.9 33.11.7 4.7 8.5
44.8 54.5 47.412.7 12.8 9.2
7.1 12.3 10.16.3 5.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
117The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
NorwayPopulation, age 15+ (millions) 4.1 GNI per capita ($) 102,700
High income: OECD High income
100.0 94.0100.0 93.8100.0 90.6100.0 84.1100.0 93.8
100.0 94.0.. 90.0
.. ..
98.6 79.7.. 61.9.. .... 68.5
66.7 44.341.5 17.274.7 61.1
95.9 65.354.2 46.779.0 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
78.4 51.6.. 45.3.. ..
89.8 70.840.5 39.7
8.2 9.016.5 25.0
29.4 18.4.. 14.2
13.0 14.90.1 0.9
47.3 39.82.5 2.66.9 5.6
49.5 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
118 2015 The Little Data Book on Financial Inclusion
Country data
SouthAsia
Lower middleincome
PakistanPopulation, age 15+ (millions) 120.5 GNI per capita ($) 1,360
South Asia Lower middle income
13.0 46.4 42.74.8 37.4 36.3
11.2 38.1 33.213.2 36.7 34.712.4 43.5 40.0
8.7 45.5 41.810.3 32.3 28.7
5.8 2.6 2.5
2.9 18.0 21.22.9 7.2 10.1
.. 31.1 42.432.4 16.9 28.1
1.4 3.5 5.61.8 3.1 3.30.4 2.7 3.1
1.0 8.5 9.60.1 2.6 2.81.8 1.2 2.6
15.7 10.7 14.24.8 20.1 30.95.7 7.7 7.7
12.5 13.7 18.324.8 12.2 17.8
4.6 15.8 26.04.3 4.7 5.7
11.2 9.8 16.6
3.3 12.7 14.81.4 11.1 11.1
11.4 8.8 12.431.6 36.2 45.65.0 9.1 12.6
12.3 7.3 11.810.8 14.6 20.0
1.5 6.4 7.51.6 8.7 7.3
34.0 31.4 33.15.3 10.9 8.5
49.8 46.7 47.410.7 8.6 9.26.3 8.9 10.14.4 3.8 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
119The Little Data Book on Financial Inclusion 2015
Country data
LatinAmerica &the Carib.
Upper middleincome
PanamaPopulation, age 15+ (millions) 2.8 GNI per capita ($) 10,700
Latin America & Caribbean Upper middle income
43.7 51.4 70.540.3 48.6 67.332.4 41.2 62.730.7 37.4 58.135.8 46.0 68.8
43.4 51.1 70.424.9 39.3 57.4
1.6 1.7 0.7
25.3 40.4 45.911.3 28.9 38.563.5 71.1 55.739.1 57.0 42.8
15.3 18.0 18.15.5 9.0 9.62.5 6.3 12.3
18.1 27.7 19.98.1 18.0 14.46.2 6.9 15.3
17.5 9.5 15.431.5 .. 37.2
2.7 .. 8.848.0 .. 19.721.2 11.3 17.820.1 34.2 29.81.3 4.3 5.6
50.1 28.4 17.9
20.4 13.5 32.212.5 9.6 25.119.1 7.9 4.962.5 40.6 62.716.5 10.6 30.612.7 10.6 17.634.3 17.2 25.4
11.8 11.3 10.49.8 7.9 7.9
22.6 13.5 24.016.5 4.7 2.647.7 32.7 37.76.8 6.1 6.6
14.5 8.3 6.113.7 9.6 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
120 2015 The Little Data Book on Financial Inclusion
Country data
LatinAmerica &the Carib.
Upper middleincome
PeruPopulation, age 15+ (millions) 21.6 GNI per capita ($) 6,270
Latin America & Caribbean Upper middle income
29.0 51.4 70.522.5 48.6 67.318.4 41.2 62.719.5 37.4 58.123.2 46.0 68.8
29.0 51.1 70.420.5 39.3 57.4
0.0 1.7 0.7
21.4 40.4 45.914.1 28.9 38.551.8 71.1 55.743.6 57.0 42.8
11.9 18.0 18.11.2 9.0 9.61.1 6.3 12.3
11.9 27.7 19.910.0 18.0 14.42.8 6.9 15.3
10.9 9.5 15.461.8 .. 37.2
0.0 .. 8.817.9 .. 19.715.9 11.3 17.842.2 34.2 29.8
0.0 4.3 5.615.2 28.4 17.9
12.3 13.5 32.28.6 9.6 25.16.5 7.9 4.9
39.3 40.6 62.79.9 10.6 30.6
12.8 10.6 17.621.6 17.2 25.4
11.2 11.3 10.412.7 7.9 7.910.4 13.5 24.02.3 4.7 2.6
27.5 32.7 37.76.8 6.1 6.67.0 8.3 6.19.8 9.6 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
121The Little Data Book on Financial Inclusion 2015
Country data
EastAsia & Pacific
Lower middleincome
PhilippinesPopulation, age 15+ (millions) 64.8 GNI per capita ($) 3,270
East Asia & Pacific Lower middle income
31.3 69.0 42.737.9 67.0 36.317.8 60.9 33.219.0 60.7 34.727.5 64.5 40.0
28.1 68.8 41.826.6 55.1 28.7
4.2 0.4 2.5
20.5 42.9 21.213.2 34.7 10.167.1 53.3 42.462.5 37.0 28.1
6.3 15.1 5.64.0 8.1 3.31.0 11.8 3.1
11.9 14.8 9.62.2 10.8 2.83.5 15.6 2.6
21.3 16.6 14.217.0 36.9 30.916.2 8.7 7.770.5 18.5 18.334.1 20.6 17.812.1 29.0 26.010.8 4.9 5.758.0 15.8 16.6
14.8 36.5 14.814.7 28.5 11.19.3 6.0 12.4
67.3 71.0 45.624.5 36.5 12.622.9 21.3 11.841.9 30.7 20.0
11.8 11.0 7.510.5 8.6 7.348.7 28.3 33.113.5 2.5 8.569.7 41.2 47.413.6 8.3 9.229.9 7.1 10.1
4.9 8.0 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
122 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
PolandPopulation, age 15+ (millions) 32.8 GNI per capita ($) 13,240
High income: OECD High income
77.9 94.073.0 93.870.5 90.663.7 84.174.8 93.8
77.9 94.070.2 90.0
.. ..
49.5 79.737.3 61.968.2 ..60.6 68.5
35.5 44.37.9 17.2
31.9 61.1
39.6 65.313.6 46.742.7 54.1
12.8 ..56.2 ..
3.7 ..14.7 ..10.5 ..41.4 ..0.8 ..
13.4 ..
20.8 51.618.0 45.3
2.5 ..46.6 70.815.8 39.78.3 9.0
11.6 25.0
18.9 18.49.6 14.2
12.1 14.90.6 0.9
35.4 39.81.4 2.61.8 5.6
14.6 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
123The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
PortugalPopulation, age 15+ (millions) 8.9 GNI per capita ($) 21,270
High income: OECD High income
87.4 94.086.1 93.878.7 90.685.7 84.185.1 93.8
87.4 94.081.2 90.0
.. ..
66.7 79.768.2 61.9
.. ..79.0 68.5
31.0 44.315.8 17.253.5 61.1
56.8 65.320.7 46.724.8 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
24.9 51.625.6 45.3
.. ..53.3 70.827.7 39.77.2 9.0
19.8 25.0
9.5 18.48.3 14.2
15.6 14.90.4 0.9
31.0 39.80.6 2.63.1 5.6
22.8 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
124 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
Puerto RicoPopulation, age 15+ (millions) 2.9 GNI per capita ($) 19,210
High income
69.7 94.066.1 93.856.0 90.645.0 84.1
.. 93.8
69.7 94.0.. 90.0
.. ..
58.5 79.7.. 61.9
76.4 .... 68.5
18.5 44.311.8 17.223.9 61.1
51.3 65.320.1 46.720.1 54.1
13.0 ..19.2 ..0.9 ..
31.5 ..12.3 ..23.6 ..
3.7 ..25.8 ..
23.5 51.6.. 45.3
9.6 ..44.2 70.819.5 39.73.9 9.0
17.4 25.0
11.4 18.4.. 14.2
10.8 14.91.0 0.9
26.2 39.80.5 2.65.9 5.6
15.9 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
125The Little Data Book on Financial Inclusion 2015
Country data
Europe & Central
Asia
Upper middleincome
RomaniaPopulation, age 15+ (millions) 17.0 GNI per capita ($) 9,050
Europe & Central Asia Upper middle income
60.8 51.4 70.556.9 47.4 67.346.1 44.2 62.755.0 35.6 58.156.4 45.7 68.8
60.8 51.4 70.444.6 43.3 57.4
0.5 0.3 0.7
45.8 36.9 45.927.7 36.4 38.575.3 66.7 55.772.2 72.5 42.8
24.2 22.5 18.15.2 7.3 9.66.9 12.5 12.3
24.4 22.9 19.99.8 14.9 14.4
11.5 11.9 15.3
11.1 12.9 15.432.3 31.5 37.2
0.0 2.5 8.827.0 11.8 19.713.8 15.5 17.835.9 22.1 29.8
0.0 1.0 5.642.2 15.6 17.9
13.3 8.4 32.28.7 4.9 25.16.6 6.6 4.9
36.5 38.5 62.715.1 11.8 30.64.6 5.1 17.69.4 12.1 25.4
11.8 12.4 10.48.4 7.8 7.9
31.7 23.6 24.01.6 2.1 2.6
45.7 39.5 37.72.0 2.8 6.65.4 6.2 6.1
10.3 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
126 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
Russian FederationPopulation, age 15+ (millions) 120.8 GNI per capita ($) 13,850
High income
67.4 94.070.2 93.861.8 90.654.4 84.161.2 93.8
67.4 94.048.2 90.0
.. ..
44.3 79.737.0 61.967.9 ..65.2 68.5
37.9 44.314.1 17.212.2 61.1
35.0 65.316.6 46.717.5 54.1
12.9 ..48.5 ..
8.0 ..28.0 ..12.0 ..36.2 ..
6.9 ..19.1 ..
15.5 51.610.9 45.3
1.6 ..40.7 70.814.6 39.73.6 9.07.8 25.0
10.3 18.47.7 14.2
17.0 14.90.9 0.9
30.2 39.81.3 2.62.1 5.6
18.4 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
127The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lowincome
RwandaPopulation, age 15+ (millions) 6.7 GNI per capita ($) 630
Sub-Saharan Africa Low income
42.1 34.2 27.535.3 29.9 23.918.3 24.6 19.423.3 25.9 20.237.9 29.2 24.8
38.1 28.9 22.332.8 23.9 21.1
18.1 11.5 10.0
4.5 17.9 6.65.3 15.0 6.32.6 53.8 20.22.5 51.7 19.7
6.8 7.3 3.21.9 3.8 1.01.3 2.8 0.9
1.8 8.7 2.10.3 1.9 0.61.7 2.4 1.2
26.5 28.7 18.324.6 31.0 15.459.5 30.8 42.8
9.9 21.0 14.136.0 37.2 25.617.0 26.6 13.044.5 27.6 33.8
6.5 22.1 14.8
25.5 15.9 9.917.8 14.3 11.524.1 23.9 16.355.2 59.6 46.5
4.9 9.8 8.321.3 22.7 16.713.2 22.9 16.6
8.2 6.3 8.68.4 4.8 11.7
36.6 41.9 34.91.9 4.7 6.5
51.3 54.5 52.512.8 12.8 12.2
5.1 12.3 10.96.0 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
128 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
Saudi ArabiaPopulation, age 15+ (millions) 20.5 GNI per capita ($) 26,260
High income
69.4 94.061.1 93.863.5 90.664.5 84.171.6 93.8
69.4 94.046.4 90.0
.. ..
63.6 79.742.3 61.9
.. ..89.5 68.5
9.7 44.36.1 17.2
23.1 61.1
34.8 65.38.1 46.7
16.2 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
15.5 51.617.2 45.3
.. ..45.4 70.8
9.0 39.713.5 9.013.9 25.0
12.2 18.42.1 14.2
37.3 14.918.3 0.953.5 39.8
5.6 2.67.3 5.6
14.1 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
129The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lower middleincome
SenegalPopulation, age 15+ (millions) 8.0 GNI per capita ($) 1,050
Sub-Saharan Africa Lower middle income
15.4 34.2 42.711.4 29.9 36.34.9 24.6 33.26.8 25.9 34.79.4 29.2 40.0
11.9 28.9 41.85.8 23.9 28.7
6.2 11.5 2.5
5.9 17.9 21.21.8 15.0 10.1
23.2 53.8 42.4.. 51.7 28.1
4.1 7.3 5.61.0 3.8 3.30.4 2.8 3.1
1.6 8.7 9.60.9 1.9 2.81.0 2.4 2.6
25.4 28.7 14.211.6 31.0 30.911.7 30.8 7.757.5 21.0 18.348.4 37.2 17.8
4.0 26.6 26.010.2 27.6 5.744.3 22.1 16.6
6.6 15.9 14.83.7 14.3 11.1
28.6 23.9 12.459.0 59.6 45.6
8.6 9.8 12.623.8 22.7 11.810.3 22.9 20.0
3.5 6.3 7.53.5 4.8 7.3
41.4 41.9 33.12.5 4.7 8.5
56.6 54.5 47.415.3 12.8 9.2
6.1 12.3 10.13.9 5.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
130 2015 The Little Data Book on Financial Inclusion
Country data
Europe & Central
Asia
Upper middleincome
SerbiaPopulation, age 15+ (millions) 6.0 GNI per capita ($) 6,050
Europe & Central Asia Upper middle income
83.1 51.4 70.583.0 47.4 67.379.1 44.2 62.777.8 35.6 58.179.4 45.7 68.8
83.1 51.4 70.462.2 43.3 57.4
.. 0.3 0.7
57.8 36.9 45.943.1 36.4 38.538.1 66.7 55.736.7 72.5 42.8
31.5 22.5 18.15.9 7.3 9.66.2 12.5 12.3
38.0 22.9 19.912.0 14.9 14.4
9.7 11.9 15.3
13.2 12.9 15.424.2 31.5 37.28.5 2.5 8.8
19.8 11.8 19.712.0 15.5 17.817.2 22.1 29.82.3 1.0 5.6
21.2 15.6 17.9
8.7 8.4 32.23.2 4.9 25.12.2 6.6 4.9
27.7 38.5 62.712.0 11.8 30.63.8 5.1 17.66.9 12.1 25.4
8.9 12.4 10.412.3 7.8 7.918.0 23.6 24.0
0.0 2.1 2.632.1 39.5 37.72.3 2.8 6.62.6 6.2 6.18.5 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
131The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lowincome
Sierra LeonePopulation, age 15+ (millions) 3.6 GNI per capita ($) 660
Sub-Saharan Africa Low income
15.6 34.2 27.512.5 29.9 23.9
7.0 24.6 19.46.4 25.9 20.2
11.7 29.2 24.8
14.1 28.9 22.315.3 23.9 21.1
4.5 11.5 10.0
5.2 17.9 6.64.0 15.0 6.3
10.5 53.8 20.216.4 51.7 19.7
4.2 7.3 3.22.0 3.8 1.00.2 2.8 0.9
0.0 8.7 2.10.5 1.9 0.61.8 2.4 1.2
35.8 28.7 18.316.6 31.0 15.45.0 30.8 42.87.1 21.0 14.1
47.2 37.2 25.611.2 26.6 13.02.4 27.6 33.84.3 22.1 14.8
10.9 15.9 9.914.5 14.3 11.539.3 23.9 16.365.4 59.6 46.519.9 9.8 8.325.6 22.7 16.734.2 22.9 16.6
4.0 6.3 8.66.1 4.8 11.7
42.8 41.9 34.96.5 4.7 6.5
57.5 54.5 52.516.3 12.8 12.224.0 12.3 10.99.3 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
132 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
SingaporePopulation, age 15+ (millions) 4.5 GNI per capita ($) 54,040
High income
96.4 94.096.1 93.896.2 90.692.9 84.1
.. 93.8
96.4 94.098.2 90.0
6.1 ..
89.4 79.728.6 61.988.5 ..90.8 68.5
39.7 44.325.7 17.237.9 61.1
78.2 65.331.3 46.727.6 54.1
18.0 ..41.4 ..9.9 ..
14.8 ..16.8 ..43.4 ..
8.9 ..9.1 ..
46.2 51.658.4 45.3
4.5 ..73.4 70.850.4 39.710.3 9.030.7 25.0
14.2 18.410.0 14.24.4 14.91.0 0.9
20.6 39.81.7 2.63.5 5.6
31.5 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
133The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
Slovak RepublicPopulation, age 15+ (millions) 4.6 GNI per capita ($) 17,810
High income: OECD High income
77.2 94.080.0 93.868.2 90.637.6 84.176.9 93.8
77.2 94.079.6 90.0
.. ..
70.5 79.768.3 61.988.3 ..84.5 68.5
43.4 44.322.6 17.241.2 61.1
63.5 65.313.6 46.736.7 54.1
9.9 .... .... .... ..
13.6 ..22.5 ..
0.0 ..6.8 ..
44.0 51.636.8 45.3
2.5 ..62.5 70.834.6 39.7
4.7 9.015.4 25.0
17.7 18.411.4 14.213.4 14.9
1.5 0.935.0 39.8
1.7 2.62.0 5.6
25.4 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
134 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
SloveniaPopulation, age 15+ (millions) 1.8 GNI per capita ($) 23,220
High income: OECD High income
97.2 94.097.0 93.896.5 90.691.5 84.196.8 93.8
97.2 94.097.1 90.0
.. ..
91.3 79.791.9 61.9
.. ..78.1 68.5
46.1 44.316.8 17.248.4 61.1
65.8 65.329.9 46.735.9 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
32.5 51.628.9 45.3
.. ..65.7 70.832.0 39.710.0 9.021.1 25.0
13.2 18.412.8 14.216.9 14.91.2 0.9
39.4 39.83.6 2.64.2 5.6
17.6 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
135The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lowincome
SomaliaPopulation, age 15+ (millions) 5.5 GNI per capita ($) ..
Sub-Saharan Africa Low income
38.7 34.2 27.533.7 29.9 23.927.0 24.6 19.442.7 25.9 20.232.0 29.2 24.8
7.9 28.9 22.3.. 23.9 21.1
37.1 11.5 10.0
2.4 17.9 6.6.. 15.0 6.3.. 53.8 20.2.. 51.7 19.7
5.4 7.3 3.22.0 3.8 1.01.6 2.8 0.9
0.7 8.7 2.10.2 1.9 0.62.9 2.4 1.2
20.7 28.7 18.34.4 31.0 15.4
66.5 30.8 42.835.2 21.0 14.123.0 37.2 25.6
4.7 26.6 13.055.1 27.6 33.854.3 22.1 14.8
2.8 15.9 9.9.. 14.3 11.5
15.1 23.9 16.337.2 59.6 46.52.5 9.8 8.3
15.2 22.7 16.714.6 22.9 16.6
2.0 6.3 8.6.. 4.8 11.7
40.7 41.9 34.99.3 4.7 6.5
57.0 54.5 52.513.9 12.8 12.210.8 12.3 10.9
2.4 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
136 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Upper middleincome
South AfricaPopulation, age 15+ (millions) 37.5 GNI per capita ($) 7,410
Sub-Saharan Africa Upper middle income
70.3 34.2 70.570.4 29.9 67.357.8 24.6 62.753.5 25.9 58.170.0 29.2 68.8
68.8 28.9 70.453.6 23.9 57.4
14.4 11.5 0.7
54.9 17.9 45.945.3 15.0 38.581.8 53.8 55.788.9 51.7 42.8
26.8 7.3 18.128.2 3.8 9.612.2 2.8 12.3
40.8 8.7 19.910.8 1.9 14.4
7.6 2.4 15.3
41.5 28.7 15.463.0 31.0 37.217.6 30.8 8.856.6 21.0 19.754.2 37.2 17.854.9 26.6 29.816.0 27.6 5.661.3 22.1 17.9
32.7 15.9 32.222.1 14.3 25.130.6 23.9 4.966.4 59.6 62.715.9 9.8 30.611.0 22.7 17.623.8 22.9 25.4
12.1 6.3 10.48.9 4.8 7.9
71.2 41.9 24.018.4 4.7 2.685.6 54.5 37.7
7.5 12.8 6.618.0 12.3 6.1
9.2 5.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
137The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
SpainPopulation, age 15+ (millions) 39.5 GNI per capita ($) 29,940
High income: OECD High income
97.6 94.097.6 93.896.6 90.684.7 84.197.7 93.8
97.6 94.093.3 90.0
.. ..
82.6 79.762.2 61.9
.. ..64.2 68.5
41.9 44.320.7 17.262.8 61.1
73.9 65.345.0 46.757.4 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
48.1 51.635.0 45.3
.. ..67.2 70.826.8 39.714.0 9.026.7 25.0
18.0 18.411.4 14.222.0 14.9
1.0 0.947.1 39.86.1 2.66.3 5.6
36.0 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
138 2015 The Little Data Book on Financial Inclusion
Country data
SouthAsia
Lower middleincome
Sri LankaPopulation, age 15+ (millions) 15.3 GNI per capita ($) 3,170
South Asia Lower middle income
82.7 46.4 42.783.1 37.4 36.379.8 38.1 33.285.2 36.7 34.783.4 43.5 40.0
82.7 45.5 41.868.5 32.3 28.7
0.1 2.6 2.5
24.9 18.0 21.210.0 7.2 10.124.3 31.1 42.415.4 16.9 28.1
7.1 3.5 5.65.3 3.1 3.31.1 2.7 3.1
10.4 8.5 9.62.8 2.6 2.81.6 1.2 2.6
10.2 10.7 14.228.8 20.1 30.9
0.0 7.7 7.73.5 13.7 18.3
16.2 12.2 17.830.2 15.8 26.0
0.0 4.7 5.70.5 9.8 16.6
30.9 12.7 14.828.1 11.1 11.110.4 8.8 12.445.2 36.2 45.613.8 9.1 12.6
7.2 7.3 11.812.6 14.6 20.0
17.9 6.4 7.517.7 8.7 7.39.0 31.4 33.12.4 10.9 8.5
29.1 46.7 47.43.1 8.6 9.24.4 8.9 10.17.7 3.8 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
139The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lower middleincome
SudanPopulation, age 15+ (millions) 22.3 GNI per capita ($) 1,550
Sub-Saharan Africa Lower middle income
15.3 34.2 42.710.0 29.9 36.39.3 24.6 33.2
10.1 25.9 34.713.1 29.2 40.0
15.3 28.9 41.86.9 23.9 28.7
.. 11.5 2.5
10.3 17.9 21.23.3 15.0 10.1
61.4 53.8 42.4.. 51.7 28.1
3.0 7.3 5.60.5 3.8 3.30.5 2.8 3.1
8.3 8.7 9.60.0 1.9 2.81.0 2.4 2.6
20.2 28.7 14.226.8 31.0 30.950.4 30.8 7.712.2 21.0 18.321.3 37.2 17.821.5 26.6 26.048.8 27.6 5.717.2 22.1 16.6
7.5 15.9 14.83.4 14.3 11.1
21.9 23.9 12.441.3 59.6 45.62.4 9.8 12.6
13.0 22.7 11.815.0 22.9 20.0
4.2 6.3 7.51.8 4.8 7.3
38.0 41.9 33.11.6 4.7 8.5
45.5 54.5 47.46.7 12.8 9.2
10.2 12.3 10.12.4 5.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
140 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
SwedenPopulation, age 15+ (millions) 8.0 GNI per capita ($) 61,710
High income: OECD High income
99.7 94.099.8 93.899.3 90.698.6 84.199.7 93.8
99.7 94.099.0 90.0
.. ..
97.6 79.795.5 61.9
.. ..75.8 68.5
66.5 44.333.5 17.268.3 61.1
92.7 65.335.7 46.774.6 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
75.1 51.663.6 45.3
.. ..84.5 70.850.9 39.7
5.8 9.013.7 25.0
27.7 18.423.4 14.217.2 14.90.4 0.9
49.8 39.82.0 2.64.8 5.6
41.7 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
141The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
SwitzerlandPopulation, age 15+ (millions) 6.9 GNI per capita ($) 90,680
High income: OECD High income
98.0 94.096.7 93.896.7 90.694.0 84.198.3 93.8
98.0 94.0.. 90.0
.. ..
84.1 79.7.. 61.9.. .... 68.5
57.3 44.314.0 17.259.2 61.1
74.1 65.348.2 46.753.5 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
55.4 51.6.. 45.3.. ..
76.0 70.847.1 39.75.3 9.0
20.2 25.0
8.4 18.4.. 14.2
11.1 14.90.6 0.9
26.2 39.81.1 2.62.7 5.6
33.6 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
142 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
Taiwan, ChinaPopulation, age 15+ (millions) 19.9 GNI per capita ($) 21,620
High income
91.4 94.090.5 93.887.0 90.677.3 84.190.3 93.8
91.4 94.087.3 90.0
.. ..
70.5 79.737.0 61.9
.. ..67.8 68.5
34.5 44.38.0 17.2
37.6 61.1
45.5 65.351.4 46.736.0 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
39.3 51.645.7 45.3
.. ..71.2 70.843.3 39.718.9 9.035.1 25.0
13.9 18.49.6 14.2
10.0 14.90.3 0.9
28.8 39.82.1 2.66.2 5.6
19.6 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
143The Little Data Book on Financial Inclusion 2015
Country data
Europe & Central
AsiaLow
income
TajikistanPopulation, age 15+ (millions) 5.3 GNI per capita ($) 990
Europe & Central Asia Low income
11.5 51.4 27.59.1 47.4 23.94.3 44.2 19.44.5 35.6 20.29.3 45.7 24.8
11.5 51.4 22.32.5 43.3 21.1
0.0 0.3 10.0
4.2 36.9 6.61.8 36.4 6.3
.. 66.7 20.2
.. 72.5 19.7
4.1 22.5 3.20.7 7.3 1.02.6 12.5 0.9
1.5 22.9 2.10.6 14.9 0.60.9 11.9 1.2
6.0 12.9 18.3.. 31.5 15.4.. 2.5 42.8.. 11.8 14.1
14.9 15.5 25.618.4 22.1 13.0
3.4 1.0 33.838.0 15.6 14.8
1.5 8.4 9.90.3 4.9 11.53.5 6.6 16.3
31.3 38.5 46.57.0 11.8 8.33.7 5.1 16.79.8 12.1 16.6
3.8 12.4 8.64.8 7.8 11.7
12.2 23.6 34.91.9 2.1 6.5
24.8 39.5 52.53.0 2.8 12.26.2 6.2 10.93.7 10.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
144 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lowincome
TanzaniaPopulation, age 15+ (millions) 27.2 GNI per capita ($) 860
Sub-Saharan Africa Low income
39.8 34.2 27.534.3 29.9 23.924.0 24.6 19.431.9 25.9 20.233.2 29.2 24.8
19.0 28.9 22.317.3 23.9 21.1
32.4 11.5 10.0
11.5 17.9 6.612.0 15.0 6.362.0 53.8 20.269.9 51.7 19.7
5.2 7.3 3.21.2 3.8 1.00.5 2.8 0.9
4.3 8.7 2.10.4 1.9 0.61.4 2.4 1.2
35.9 28.7 18.310.7 31.0 15.471.5 30.8 42.810.4 21.0 14.147.1 37.2 25.610.1 26.6 13.062.8 27.6 33.8
7.3 22.1 14.8
9.0 15.9 9.911.9 14.3 11.513.1 23.9 16.359.2 59.6 46.5
7.2 9.8 8.332.8 22.7 16.722.9 22.9 16.6
6.5 6.3 8.66.6 4.8 11.7
39.9 41.9 34.96.6 4.7 6.5
55.6 54.5 52.522.3 12.8 12.217.2 12.3 10.94.5 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
145The Little Data Book on Financial Inclusion 2015
Country data
EastAsia & Pacific
Upper middleincome
ThailandPopulation, age 15+ (millions) 54.8 GNI per capita ($) 5,340
East Asia & Pacific Upper middle income
78.1 69.0 70.575.4 67.0 67.372.0 60.9 62.770.6 60.7 58.178.2 64.5 68.8
78.1 68.8 70.472.7 55.1 57.4
1.3 0.4 0.7
54.8 42.9 45.943.1 34.7 38.562.3 53.3 55.759.3 37.0 42.8
8.3 15.1 18.19.0 8.1 9.61.7 11.8 12.3
7.9 14.8 19.93.7 10.8 14.44.4 15.6 15.3
36.7 16.6 15.435.6 36.9 37.2
2.0 8.7 8.825.3 18.5 19.746.4 20.6 17.828.6 29.0 29.8
1.2 4.9 5.619.9 15.8 17.9
40.6 36.5 32.242.8 28.5 25.1
8.4 6.0 4.980.5 71.0 62.759.2 36.5 30.616.4 21.3 17.624.1 30.7 25.4
15.4 11.0 10.419.4 8.6 7.931.1 28.3 24.09.1 2.5 2.6
50.3 41.2 37.712.8 8.3 6.6
7.6 7.1 6.110.9 8.0 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
146 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lowincome
TogoPopulation, age 15+ (millions) 4.0 GNI per capita ($) 530
Sub-Saharan Africa Low income
18.3 34.2 27.515.1 29.9 23.911.6 24.6 19.412.3 25.9 20.214.3 29.2 24.8
17.6 28.9 22.310.2 23.9 21.1
1.4 11.5 10.0
2.3 17.9 6.61.2 15.0 6.37.8 53.8 20.24.9 51.7 19.7
2.3 7.3 3.20.6 3.8 1.00.5 2.8 0.9
0.4 8.7 2.10.3 1.9 0.60.9 2.4 1.2
12.5 28.7 18.317.2 31.0 15.47.6 30.8 42.8
14.9 21.0 14.119.6 37.2 25.615.6 26.6 13.04.5 27.6 33.8
17.4 22.1 14.8
6.7 15.9 9.93.6 14.3 11.5
18.7 23.9 16.337.5 59.6 46.55.0 9.8 8.38.8 22.7 16.7
14.5 22.9 16.6
3.7 6.3 8.63.8 4.8 11.7
17.1 41.9 34.92.2 4.7 6.5
28.6 54.5 52.55.4 12.8 12.25.6 12.3 10.92.2 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
147The Little Data Book on Financial Inclusion 2015
Country data
Upper middleincome
TunisiaPopulation, age 15+ (millions) 8.4 GNI per capita ($) 4,200
Upper middle income
27.4 70.520.7 67.317.2 62.718.8 58.122.4 68.8
27.3 70.4.. 57.4
0.6 0.7
12.3 45.9.. 38.5
29.0 55.7.. 42.8
4.3 18.11.1 9.62.1 12.3
7.7 19.96.3 14.44.4 15.3
7.8 15.4.. 37.2.. 8.8.. 19.7
14.7 17.827.3 29.85.2 5.6
11.1 17.9
10.3 32.2.. 25.1
1.3 4.938.0 62.7
8.5 30.66.5 17.67.2 25.4
8.0 10.4.. 7.9
16.1 24.03.3 2.6
34.1 37.74.6 6.64.8 6.1
10.7 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
148 2015 The Little Data Book on Financial Inclusion
Country data
Europe & Central
Asia
Upper middleincome
TurkeyPopulation, age 15+ (millions) 55.7 GNI per capita ($) 10,970
Europe & Central Asia Upper middle income
56.7 51.4 70.544.5 47.4 67.350.9 44.2 62.741.6 35.6 58.154.1 45.7 68.8
56.5 51.4 70.457.6 43.3 57.4
0.8 0.3 0.7
43.3 36.9 45.956.6 36.4 38.569.6 66.7 55.789.1 72.5 42.8
16.6 22.5 18.15.5 7.3 9.6
18.4 12.5 12.3
23.9 22.9 19.929.1 14.9 14.418.7 11.9 15.3
17.3 12.9 15.448.3 31.5 37.2
3.1 2.5 8.84.6 11.8 19.7
21.8 15.5 17.824.1 22.1 29.81.2 1.0 5.62.0 15.6 17.9
9.1 8.4 32.24.2 4.9 25.1
11.6 6.6 4.941.1 38.5 62.710.3 11.8 30.65.3 5.1 17.6
20.8 12.1 25.4
20.0 12.4 10.44.6 7.8 7.9
29.0 23.6 24.02.4 2.1 2.6
50.4 39.5 37.73.7 2.8 6.6
13.2 6.2 6.110.7 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
149The Little Data Book on Financial Inclusion 2015
Country data
Europe & Central
Asia
Upper middleincome
TurkmenistanPopulation, age 15+ (millions) 3.7 GNI per capita ($) 6,880
Europe & Central Asia Upper middle income
1.8 51.4 70.51.6 47.4 67.31.2 44.2 62.70.6 35.6 58.10.7 45.7 68.8
1.8 51.4 70.40.4 43.3 57.4
.. 0.3 0.7
1.2 36.9 45.90.3 36.4 38.5
.. 66.7 55.7
.. 72.5 42.8
0.7 22.5 18.10.0 7.3 9.60.0 12.5 12.3
0.7 22.9 19.90.0 14.9 14.40.1 11.9 15.3
21.4 12.9 15.40.5 31.5 37.20.0 2.5 8.81.6 11.8 19.7
25.8 15.5 17.80.8 22.1 29.80.0 1.0 5.64.7 15.6 17.9
0.7 8.4 32.20.1 4.9 25.12.5 6.6 4.9
57.1 38.5 62.726.2 11.8 30.611.6 5.1 17.611.8 12.1 25.4
2.2 12.4 10.40.8 7.8 7.9
32.7 23.6 24.02.4 2.1 2.6
55.8 39.5 37.71.7 2.8 6.62.7 6.2 6.16.1 10.2 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
150 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lowincome
UgandaPopulation, age 15+ (millions) 19.4 GNI per capita ($) 600
Sub-Saharan Africa Low income
44.4 34.2 27.536.6 29.9 23.927.2 24.6 19.435.0 25.9 20.245.7 29.2 24.8
27.8 28.9 22.320.5 23.9 21.1
35.1 11.5 10.0
17.8 17.9 6.610.3 15.0 6.360.3 53.8 20.241.7 51.7 19.7
6.4 7.3 3.21.0 3.8 1.02.6 2.8 0.9
6.6 8.7 2.10.9 1.9 0.61.7 2.4 1.2
46.9 28.7 18.311.7 31.0 15.469.4 30.8 42.8
3.6 21.0 14.156.5 37.2 25.612.7 26.6 13.066.0 27.6 33.8
2.2 22.1 14.8
16.8 15.9 9.916.3 14.3 11.536.7 23.9 16.375.2 59.6 46.5
9.5 9.8 8.334.3 22.7 16.741.8 22.9 16.6
15.7 6.3 8.68.9 4.8 11.7
69.4 41.9 34.96.3 4.7 6.5
79.0 54.5 52.522.3 12.8 12.239.1 12.3 10.99.8 5.2 4.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
151The Little Data Book on Financial Inclusion 2015
Country data
Europe & Central
Asia
Lower middleincome
UkrainePopulation, age 15+ (millions) 38.9 GNI per capita ($) 3,960
Europe & Central Asia Lower middle income
52.7 51.4 42.751.7 47.4 36.344.3 44.2 33.255.9 35.6 34.747.2 45.7 40.0
52.7 51.4 41.841.3 43.3 28.7
.. 0.3 2.5
39.7 36.9 21.233.6 36.4 10.183.1 66.7 42.475.2 72.5 28.1
30.0 22.5 5.612.6 7.3 3.3
5.6 12.5 3.1
27.1 22.9 9.619.5 14.9 2.813.3 11.9 2.6
10.5 12.9 14.229.0 31.5 30.94.2 2.5 7.7
15.5 11.8 18.310.0 15.5 17.830.1 22.1 26.02.9 1.0 5.7
21.0 15.6 16.6
7.8 8.4 14.85.4 4.9 11.12.9 6.6 12.4
40.1 38.5 45.614.4 11.8 12.6
3.1 5.1 11.87.7 12.1 20.0
8.3 12.4 7.58.1 7.8 7.3
22.1 23.6 33.12.3 2.1 8.5
35.7 39.5 47.42.5 2.8 9.22.9 6.2 10.1
10.3 10.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
152 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
United Arab EmiratesPopulation, age 15+ (millions) 7.9 GNI per capita ($) 38,360
High income
83.7 94.067.7 93.879.0 90.666.7 84.189.7 93.8
83.2 94.059.7 90.0
11.5 ..
76.9 79.755.4 61.9
.. ..86.2 68.5
41.8 44.33.1 17.2
21.3 61.1
59.3 65.333.4 46.733.6 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
32.1 51.619.2 45.3
.. ..66.6 70.824.5 39.718.6 9.029.8 25.0
15.4 18.410.8 14.228.5 14.9
5.9 0.950.1 39.8
6.1 2.69.9 5.6
16.4 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
153The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
United KingdomPopulation, age 15+ (millions) 52.8 GNI per capita ($) 41,680
High income: OECD High income
98.9 94.098.7 93.898.3 90.690.8 84.199.4 93.8
98.9 94.097.2 90.0
.. ..
96.4 79.787.6 61.9
.. ..70.1 68.5
51.5 44.318.7 17.271.6 61.1
91.8 65.355.3 46.772.8 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
52.3 51.643.8 45.3
.. ..71.3 70.840.6 39.710.2 9.013.4 25.0
21.1 18.411.8 14.212.6 14.9
2.6 0.939.1 39.83.5 2.63.3 5.6
29.0 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
154 2015 The Little Data Book on Financial Inclusion
Country data
High income: OECD
United StatesPopulation, age 15+ (millions) 254.3 GNI per capita ($) 53,470
High income: OECD High income
93.6 94.094.8 93.887.1 90.687.6 84.193.2 93.8
93.6 94.088.0 90.0
.. ..
76.2 79.771.8 61.9
.. ..55.0 68.5
43.3 44.318.1 17.263.2 61.1
67.1 65.357.1 46.764.7 54.1
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
.. ..
54.1 51.650.4 45.3
.. ..75.6 70.845.1 39.7
9.5 9.032.7 25.0
23.3 18.420.1 14.219.8 14.9
1.4 0.951.4 39.82.5 2.69.5 5.6
31.8 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
155The Little Data Book on Financial Inclusion 2015
Country data
High income: OECD
UruguayPopulation, age 15+ (millions) 2.7 GNI per capita ($) 15,180
High income
45.6 94.041.3 93.835.0 90.629.5 84.142.7 93.8
45.4 94.023.5 90.0
1.2 ..
37.7 79.716.4 61.984.9 ..66.3 68.5
16.3 44.36.0 17.26.3 61.1
22.2 65.336.0 46.713.4 54.1
17.0 ..15.2 ..
0.0 ..50.0 ..14.2 ..9.2 ..5.2 ..
43.7 ..
12.5 51.65.7 45.32.2 ..
38.5 70.88.5 39.76.0 9.09.4 25.0
21.0 18.414.8 14.28.0 14.90.9 0.9
39.4 39.82.8 2.63.2 5.6
14.7 26.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
156 2015 The Little Data Book on Financial Inclusion
Country data
Europe & Central
Asia
Lower middleincome
UzbekistanPopulation, age 15+ (millions) 21.6 GNI per capita ($) 1,880
Europe & Central Asia Lower middle income
40.7 51.4 42.739.3 47.4 36.334.1 44.2 33.224.9 35.6 34.741.8 45.7 40.0
40.7 51.4 41.822.5 43.3 28.7
.. 0.3 2.5
24.6 36.9 21.220.4 36.4 10.1
4.6 66.7 42.414.9 72.5 28.1
17.8 22.5 5.65.1 7.3 3.3
30.0 12.5 3.1
23.1 22.9 9.61.0 14.9 2.80.6 11.9 2.6
5.2 12.9 14.2.. 31.5 30.9.. 2.5 7.7.. 11.8 18.3
8.0 15.5 17.8.. 22.1 26.0.. 1.0 5.7.. 15.6 16.6
1.8 8.4 14.80.8 4.9 11.1
14.4 6.6 12.443.5 38.5 45.6
9.1 11.8 12.67.5 5.1 11.8
11.5 12.1 20.0
1.3 12.4 7.51.5 7.8 7.3
11.1 23.6 33.11.5 2.1 8.5
16.6 39.5 47.41.1 2.8 9.22.0 6.2 10.11.2 10.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
157The Little Data Book on Financial Inclusion 2015
Country data
LatinAmerica &the Carib.
Upper middleincome
Venezuela, RBPopulation, age 15+ (millions) 21.7 GNI per capita ($) 12,550
Latin America & Caribbean Upper middle income
57.0 51.4 70.553.3 48.6 67.348.0 41.2 62.727.6 37.4 58.152.4 46.0 68.8
56.9 51.1 70.444.1 39.3 57.4
3.0 1.7 0.7
49.6 40.4 45.935.1 28.9 38.578.9 71.1 55.763.6 57.0 42.8
16.1 18.0 18.12.0 9.0 9.6
10.3 6.3 12.3
46.1 27.7 19.919.2 18.0 14.4
9.9 6.9 15.3
7.3 9.5 15.4.. .. 37.2.. .. 8.8.. .. 19.7
10.1 11.3 17.834.8 34.2 29.8
5.0 4.3 5.619.7 28.4 17.9
22.8 13.5 32.213.6 9.6 25.110.5 7.9 4.947.2 40.6 62.715.7 10.6 30.610.5 10.6 17.620.4 17.2 25.4
2.0 11.3 10.41.7 7.9 7.9
15.7 13.5 24.04.1 4.7 2.6
26.0 32.7 37.73.1 6.1 6.67.6 8.3 6.15.7 9.6 9.1
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
158 2015 The Little Data Book on Financial Inclusion
Country data
EastAsia & Pacific
Lower middleincome
VietnamPopulation, age 15+ (millions) 69.3 GNI per capita ($) 1,740
East Asia & Pacific Lower middle income
31.0 69.0 42.732.0 67.0 36.318.9 60.9 33.237.4 60.7 34.727.0 64.5 40.0
30.9 68.8 41.821.4 55.1 28.7
0.5 0.4 2.5
26.5 42.9 21.214.6 34.7 10.173.4 53.3 42.450.8 37.0 28.1
7.8 15.1 5.61.6 8.1 3.30.5 11.8 3.1
3.1 14.8 9.61.2 10.8 2.89.1 15.6 2.6
15.1 16.6 14.242.1 36.9 30.9
0.7 8.7 7.713.6 18.5 18.317.3 20.6 17.839.0 29.0 26.0
0.7 4.9 5.718.1 15.8 16.6
14.6 36.5 14.87.7 28.5 11.1
11.6 6.0 12.463.3 71.0 45.622.9 36.5 12.612.6 21.3 11.834.2 30.7 20.0
18.4 11.0 7.516.2 8.6 7.329.9 28.3 33.1
1.8 2.5 8.546.8 41.2 47.4
7.1 8.3 9.210.2 7.1 10.1
6.6 8.0 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
159The Little Data Book on Financial Inclusion 2015
Country data
Middle East
Lower middleincome
West Bank and GazaPopulation, age 15+ (millions) 2.5 GNI per capita ($) 3,070
Middle East Lower middle income
24.2 14.2 42.721.2 9.2 36.316.0 7.3 33.210.6 7.6 34.715.2 10.7 40.0
24.2 14.0 41.819.4 10.9 28.7
.. 0.7 2.5
10.6 8.5 21.210.7 5.5 10.132.2 44.9 42.441.0 42.4 28.1
6.6 3.3 5.62.4 0.9 3.33.0 0.2 3.1
3.3 3.3 9.61.0 1.5 2.81.6 2.1 2.6
4.6 9.3 14.2.. .. 30.9.. .. 7.7.. .. 18.3
8.2 11.3 17.8.. 9.8 26.0.. 0.2 5.7.. 15.6 16.6
5.1 4.0 14.85.5 2.7 11.17.2 11.5 12.4
22.9 30.5 45.63.8 5.0 12.63.2 5.1 11.87.4 9.1 20.0
4.2 5.6 7.54.1 4.4 7.3
25.7 30.7 33.18.5 7.9 8.5
38.9 45.7 47.42.4 4.2 9.25.9 8.2 10.14.7 6.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
160 2015 The Little Data Book on Financial Inclusion
Country data
Middle East
Lower middleincome
Yemen, Rep.Population, age 15+ (millions) 14.6 GNI per capita ($) 1,330
Middle East Lower middle income
6.4 14.2 42.71.7 9.2 36.34.0 7.3 33.21.7 7.6 34.75.9 10.7 40.0
6.4 14.0 41.83.7 10.9 28.7
.. 0.7 2.5
1.9 8.5 21.22.2 5.5 10.1
.. 44.9 42.4
.. 42.4 28.1
2.3 3.3 5.61.7 0.9 3.30.0 0.2 3.1
0.1 3.3 9.60.2 1.5 2.80.7 2.1 2.6
8.1 9.3 14.2.. .. 30.9.. .. 7.7.. .. 18.3
18.3 11.3 17.82.0 9.8 26.00.0 0.2 5.7
31.1 15.6 16.6
0.9 4.0 14.81.1 2.7 11.14.5 11.5 12.4
20.6 30.5 45.61.4 5.0 12.63.6 5.1 11.83.7 9.1 20.0
0.4 5.6 7.50.9 4.4 7.3
51.7 30.7 33.115.0 7.9 8.565.9 45.7 47.4
3.9 4.2 9.23.7 8.2 10.10.6 6.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
161The Little Data Book on Financial Inclusion 2015
Country data
Sub-Saharan Africa
Lower middleincome
ZambiaPopulation, age 15+ (millions) 7.8 GNI per capita ($) 1,810
Sub-Saharan Africa Lower middle income
35.6 34.2 42.733.2 29.9 36.320.9 24.6 33.228.8 25.9 34.734.8 29.2 40.0
31.3 28.9 41.821.4 23.9 28.7
12.1 11.5 2.5
18.7 17.9 21.215.7 15.0 10.168.5 53.8 42.474.4 51.7 28.1
7.6 7.3 5.61.5 3.8 3.31.9 2.8 3.1
7.3 8.7 9.61.1 1.9 2.82.5 2.4 2.6
29.0 28.7 14.227.0 31.0 30.922.6 30.8 7.751.7 21.0 18.335.8 37.2 17.826.7 26.6 26.020.2 27.6 5.753.2 22.1 16.6
16.8 15.9 14.811.8 14.3 11.124.3 23.9 12.470.1 59.6 45.63.8 9.8 12.6
30.7 22.7 11.832.3 22.9 20.0
4.8 6.3 7.56.1 4.8 7.3
53.3 41.9 33.16.3 4.7 8.5
68.0 54.5 47.420.8 12.8 9.220.8 12.3 10.1
4.6 5.2 4.7
Account (% age 15+)
All adultsWomenAdults belonging to the poorest 40%Young adults (% ages 15–24)Adults living in rural areas
Financial Institution Account (% age 15+)
All adultsAll adults, 2011
Mobile Account (% age 15+)
All adults
Access to Financial Institution Account (% age 15+)
Has debit cardHas debit card, 2011ATM is the main mode of withdrawal (% with an account)ATM is the main mode of withdrawal (% with an account), 2011
Use of Account in the Past Year (% age 15+)
Used an account to receive wagesUsed an account to receive government transfersUsed a financial institution account to pay utility bills
Other Digital Payments in the Past Year (% age 15+)
Used a debit card to make paymentsUsed a credit card to make paymentsUsed the Internet to pay bills or make purchases
Domestic Remittances in the Past Year (% age 15+)
Sent remittancesSent remittances via a financial institution (% senders)Sent remittances via a mobile phone (% senders)Sent remittances via a money transfer operator (% senders)Received remittancesReceived remittances via a financial institution (% recipients)Received remittances via a mobile phone (% recipients)Received remittances via a money transfer operator (% recipients)
Savings in the Past Year (% age 15+)
Saved at a financial institutionSaved at a financial institution, 2011Saved using a savings club or person outside the familySaved any moneySaved for old ageSaved for a farm or businessSaved for education or school fees
Credit in the Past Year (% age 15+)
Borrowed from a financial institutionBorrowed from a financial institution, 2011Borrowed from family or friendsBorrowed from a private informal lenderBorrowed any moneyBorrowed for a farm or businessBorrowed for education or school feesOutstanding mortgage at a financial institution
162 2015 The Little Data Book on Financial Inclusion
Country data
Sub-Saharan Africa
Lowincome
ZimbabwePopulation, age 15+ (millions) 8.6 GNI per capita ($) 860
Sub-Saharan Africa Low income
32.4 34.2 27.529.0 29.9 23.917.2 24.6 19.424.0 25.9 20.226.8 29.2 24.8
17.2 28.9 22.339.7 23.9 21.1
21.6 11.5 10.0
13.8 17.9 6.628.3 15.0 6.346.8 53.8 20.228.3 51.7 19.7
5.5 7.3 3.20.6 3.8 1.00.5 2.8 0.9
7.7 8.7 2.11.0 1.9 0.61.5 2.4 1.2
31.2 28.7 18.310.6 31.0 15.471.8 30.8 42.8
8.1 21.0 14.142.8 37.2 25.6
9.5 26.6 13.067.6 27.6 33.89.8 22.1 14.8
5.2 15.9 9.917.3 14.3 11.517.8 23.9 16.352.0 59.6 46.53.2 9.8 8.3
13.6 22.7 16.722.8 22.9 16.6
4.0 6.3 8.64.9 4.8 11.7
55.4 41.9 34.94.8 4.7 6.5
62.4 54.5 52.57.3 12.8 12.2
22.1 12.3 10.91.5 5.2 4.1
163The Little Data Book on Financial Inclusion 2015
Account denotes the percentage of respondents who report having an account (by themselves or together with someone else) at a bank or another type of financial institution (see definition for “financial institution account”) or report personally using a mobile money service in the past 12 months (see definition for “mobile account”).
ATM is the main mode of withdrawal denotes, among respondents reporting having an account at a bank or another type of financial institution, the percentage who used an automated teller machine (ATM) as their usual mode of access to get cash from their account.
ATM is the main mode of withdrawal, 2011 denotes, among respondents in 2011 who reported having an account at a bank or another type of financial institution, the percentage who used an automated teller machine (ATM) as their usual mode of access to get cash from their account. (Demirguc-Kunt and Klapper 2013)
Borrowed any money denotes the percentage of respondents who report borrowing any money for any reason and from any source in the past 12 months.
Borrowed for a farm or business denotes the percentage of respondents who report borrowing any money in the past 12 months to start, operate, or expand a farm or business.
Borrowed for education or school fees denotes the percentage of respondents who report borrowing any money in the past 12 months for education or school fees.
Borrowed from a financial institution denotes the percentage of respondents who report borrowing any money in the past 12 months from a bank or another type of financial institution.
Borrowed from a financial institution, 2011 denotes the percentage of respondents in 2011 who reported borrowing any money in the past 12 months from a bank or another type of financial institution. (Demirguc-Kunt and Klapper 2013)
Borrowed from a private informal lender denotes the percentage of respondents who report borrowing any money in the past 12 months from a private informal lender.
Borrowed from family or friends denotes the percentage of respondents who report borrowing any money in the past 12 months from family, relatives, or friends.
Financial institution account denotes the percentage of respondents who report having an account (by themselves or together with someone else) at a bank or another type of financial institution.1
Financial institution account, 2011 denotes the percentage of respondents in 2011 who reported having an account (by themselves or together with
Glossary
164 2015 The Little Data Book on Financial Inclusion
Glossarysomeone else) at a bank or another type of financial institution. (Demirguc-Kunt and Klapper 2013)
GNI per capita ($) is gross national income (GNI) converted to U.S. dollars using the World Bank Atlas method divided by total midyear population. GNI is the sum of value added by all resident producers plus any product taxes (less subsidies) not included in the valuation of output plus net receipts of primary income (compensation of employees and property income) from abroad. GNI, calculated in national currency, is usually converted to U.S. dollars at official exchange rates for comparisons across economies. The World Bank Atlas method is used to smooth fluctuations in prices and exchange rates. It averages the exchange rate for a given year and the two preceding years, adjusted for differences in rates of inflation between the country and the euro area, Japan, the United Kingdom, and the United States. Data are for 2013. Aggregates include economies not shown in this book. (World Bank)
Has debit card denotes the percentage of respondents who report having a debit card.
Has debit card, 2011 denotes the percentage of respondents in 2011 who reported having a debit card. (Demirguc-Kunt and Klapper 2013)
Mobile account denotes the percentage of respondents who report personally using a mobile money service in the past 12 months.2
Outstanding mortgage at a financial institution denotes the percentage of respondents who report having an outstanding loan from a bank or another type of financial institution to purchase a home, apartment, or land.
Population, age 15+ is the midyear estimate of all adult residents age 15 and above regardless of legal status or citizenship, except for refugees not permanently settled in the country of asylum who are generally considered part of the population of their country of origin. Data are for 2013. Aggregates include economies not shown in this book. (Eurostat, United Nations Population Division, and World Bank)
Received remittances denotes the percentage of respondents who report personally receiving any money in the past 12 months from a relative or friend living in a different area of their country. This includes any money received in person.
Received remittances via a financial institution denotes, among respondents reporting personally receiving any money in the past 12 months from a relative or friend living in a different area of their country, the percentage who received it through a bank or another type of financial institution. This includes at a branch, at an automated teller machine (ATM), or through direct deposit into an account, using their own account or someone else’s.
Received remittances via a mobile phone denotes, among respondents reporting personally receiving any money in the past 12 months from a relative or friend living in a different area of their country, the percentage who received it through a mobile phone, using their own account or someone else’s.
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GlossaryReceived remittances via a money transfer operator denotes, among respondents reporting personally receiving any money in the past 12 months from a relative or friend living in a different area of their country, the percentage who received it through a money transfer operator.
Saved any money denotes the percentage of respondents who report personally saving or setting aside any money for any reason and using any mode of saving in the past 12 months.
Saved at a financial institution denotes the percentage of respondents who report saving or setting aside any money in the past 12 months by using an account at a bank or another type of financial institution.
Saved at a financial institution, 2011 denotes the percentage of respondents in 2011 who reported saving or setting aside any money in the past 12 months by using an account at a bank or another type of financial institution. (Demirguc-Kunt and Klapper 2013)
Saved for a farm or business denotes the percentage of respondents who report saving or setting aside any money in the past 12 months to start, operate, or expand a farm or business.
Saved for education or school fees denotes the percentage of respondents who report saving or setting aside any money in the past 12 months for education or school fees.
Saved for old age denotes the percentage of respondents who report saving or setting aside any money in the past 12 months for old age.
Saved using a savings club or person outside the family denotes the percentage of respondents who report saving or setting aside any money in the past 12 months by using an informal savings club or a person outside the family.
Sent remittances denotes the percentage of respondents who report personally giving or sending any of their money in the past 12 months to a relative or friend living in a different area of their country. This can be money they brought themselves or sent in some other way.
Sent remittances via a financial institution denotes, among respon-dents reporting personally giving or sending any of their money in the past 12 months to a relative or friend living in a different area of their country, the percentage who sent it through a bank or another type of financial institution. This includes at a branch, at an ATM, or through direct deposit into an account, using their own account or someone else’s.
Sent remittances via a mobile phone denotes, among respondents reporting personally giving or sending any of their money in the past 12 months to a relative or friend living in a different area of their country, the percentage who sent it through a mobile phone, using their own account or someone else’s.
Sent remittances via a money transfer operator denotes, among respondents reporting personally giving or sending any of their money in the past 12
166 2015 The Little Data Book on Financial Inclusion
Glossarymonths to a relative or friend living in a different area of their country, the percentage who sent it through a money transfer operator.
Used a credit card to make payments denotes the percentage of respondents who report using their own credit card in the past 12 months.
Used a debit card to make payments denotes the percentage of respondents who report using their own debit card to directly make a purchase in the past 12 months.
Used a financial institution account to pay utility bills denotes the percentage of respondents who report making a payment in the past 12 months for water, electricity, or trash collection directly from an account at a bank or another type of financial institution.
Used an account to receive government transfers denotes the percentage of respondents who report receiving any financial support from the government directly into an account at a bank or another type of financial institution, into a card, or through a mobile phone in the past 12 months.
Used an account to receive wages denotes the percentage of respondents who report receiving a salary or wages directly into an account at a bank or another type of financial institution, into a card, or through a mobile phone in the past 12 months.
Used the Internet to pay bills or make purchases denotes the percentage of respondents who report paying bills or making purchases online using the Internet in the past 12 months.
Notes
For indicators for which the source of data is other than the 2014 edition of the Global Findex database, the source is given at the end of the definition. The source for 2011 Global Findex data is Asli Demirguc-Kunt and Leora Klapper, “Measuring Financial Inclusion: Explaining Variation in Use of Financial Services across and within Countries,” Brookings Papers on Economic Activity (Spring 2013).
1. Financial institution account includes respondents who report having an account at a bank or at another type of financial institution, such as a credit union, microfinance institution, cooperative, or the post office (if applicable), or having a debit card in their own name. It includes an additional 2.77 percent of respondents who report receiving wages, government transfers, or payments for agricultural products into an account at a financial institution in the past 12 months; paying utility bills or school fees from an account at a financial institution in the past 12 months; or receiving wages or government transfers into a card in the past 12 months.
2. Mobile account includes respondents who report personally using GSM Association (GSMA) Mobile Money for the Unbanked (MMU) services in the past 12 months to pay bills or to send or receive money. It includes an additional 0.28 percent of respondents who report receiving wages, government transfers, or payments for agricultural products through a mobile phone in the past 12 months.
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ReferenceThe reference citation for the 2014 Global Findex data provided in this book is as follows:
Demirguc-Kunt, Asli, Leora Klapper, Dorothe Singer, and Peter Van Oudheusden. 2015. “The Global Findex Database 2014: Measuring Financial Inclusion around the World.” Policy Research Working Paper 7255, World Bank, Washington, DC.
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