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Design by Communications Development Incorporated, Washington, DC.
iiiThe Little Data Book on Financial Inclusion 2018
ContentsAcknowledgments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . iv
Foreword . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .v
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .vii
Data notes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . viii
Regional tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
World . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
East Asia and Pacific . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Europe and Central Asia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Latin America and the Caribbean . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Middle East and North Africa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
South Asia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Sub-Saharan Africa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Income group tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Low income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Lower middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Upper middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Low and middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
High income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Country tables (in alphabetical order) . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 164
Reference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 168
iv 2018 The Little Data Book on Financial Inclusion
The Little Data Book on Financial Inclusion 2018 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, Jake Hess, Deeksha Kokas, Adrienne Sigrid Larson, and Dorothe Singer . The work was carried out under the man-agement of Shantayanan Devarajan . The team is grateful to Oya Pinar Ardic Alper, Margaret J . Miller, Sebastian-A Molineus, Ceyla Pazarbasioglu-Dutz, Mahesh Uttamchandani, and World Bank colleagues in the Development Economics Vice Presidency and the Finance, Competitiveness & Innovation 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, the G20’s Global Partnership for Financial Inclusion, and the Office of the UNSGSA (UN Secretary-General’s Special Advocate for Inclusive Finance for Development) 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 .
Substantial contributions were made by Ana Florina Pirlea, Tariq Afzal Khokhar, Omar Hadi, and Jomo Tariku from the World Bank’s Development Data Group . The book’s cover design was done by Jomo Tariku based on an original work by Communications Development Incorporated . Typesetting was done by BMWW . Alison Strong provided editorial assistance .
The reference citation for the 2017 Global Findex data provided in this book is as follows:
Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess . 2018 . The Global Findex Database 2017: Measuring Financial Inclusion
and the Fintech Revolution. World Bank: Washington, DC .
Acknowledgments
vThe Little Data Book on Financial Inclusion 2018
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
For those of us committed to advancing financial inclusion, no tool is of greater value than the Global Financial Inclusion (Global Findex) database . This invaluable data set provides a rigorous, multidimensional picture of where we stand and how far we have come in expanding access for all to the basic financial services people need to protect themselves against hardship and invest in their futures .
The Little Data Book on Financial Inclusion presents key findings from the Global Findex database, with detailed insight into how adults in more than 140 economies access accounts, make payments, save, borrow, and manage risk . As the data show, each economy has its own successes, challenges, and opportunities when it comes to financial inclusion . A growing body of research demonstrates the impact of country advances on significant priorities such as reducing poverty, hunger, and gender inequality . Today, member states at the United Nations are using Global Findex data to track progress toward the Sustainable Development Goals .
Dozens of national governments have adopted policies to expand financial inclusion . These and other global and national efforts are paying off . New Global Findex data reveal that globally the share of adults owning an account is now 69 percent, an increase of seven percentage points since 2014 . These numbers translate into 515 million adults who have gained access to financial tools . The 2017 figures on overall account ownership continue the upward trajectory we’ve seen since the Global Findex database was first released—with financial inclusion rising 18 percentage points since 2011, when account ownership was 51 percent .
The 2017 Global Findex data reflect the continued evolution of financial inclusion . Recent progress has been driven by digital payments, government policies, and a new generation of financial services accessed through mobile phones and the internet .
The power of financial technology to expand access to and use of accounts is demonstrated most persuasively in Sub-Saharan Africa, where 21 percent of adults now have a mobile money account—nearly twice the share in 2014 and easily the highest of any region in the world . While mobile money has been centered in East Africa, the 2017 update reveals that it has spread to West Africa and beyond .
Digital technology is also transforming the payments landscape . Globally, 52 percent of adults have sent or received digital payments in the past year, up from 42 percent in 2014 . Technology giants have moved into the financial sphere, leveraging deep customer knowledge to provide a broad range of financial services . Payments made through their technology platforms are facilitating higher account use in major emerging economies such as China, where 57 percent of account owners are using mobile phones or the internet to make purchases or pay bills—roughly twice the share in 2014 .
vi 2018 The Little Data Book on Financial Inclusion
Some advances have been made in helping women gain access to financial services . In India three years ago, men were 20 percentage points more likely than women to have an account . Today, India’s gender gap has shrunk to 6 percentage points thanks to a strong government push to increase account ownership through biometric identification cards .
Still, in most of the world women continue to lag well behind men . Globally, 65 percent of women have an account compared with 72 percent of men, a gap of seven percentage points that is all but unchanged since 2011 . Nor has equality in account ownership been achieved in other regards . The gap between rich and poor has not improved since 2014: account ownership is 13 percentage points higher among adults living in the wealthiest 60 percent of households within economies than among those in the poorest 40 percent . And urban populations continue to benefit from far broader access to finance than rural communities . In China around 200 million rural adults remain outside the formal financial system .
The continued involvement of businesses will be vital for unlocking opportunities to expand financial inclusion . Companies pay wages in cash to about 230 million unbanked adults worldwide; switching to electronic payrolls could help these workers join the formal financial system . Mobile phones and the internet also offer strong openings for progress: globally, one billion financially excluded adults already own a mobile phone and about 480 million have internet access .
But the private sector, governments, and development organizations all need to sharpen their focus on the use of accounts, which has stagnated for saving and borrowing . Without people actively using their accounts, the impact of our work will be lost .
The Global Findex database is an indispensable resource for those of us working to increase financial inclusion . I am proud to partner with the Global Findex team, and I thank the World Bank’s Development Research Group and the Bill & Melinda Gates Foundation for supporting this crucial initiative . I hope governments, businesses, and development champions will continue to use The Little Data Book and its trove of information as we redouble our efforts to deepen financial inclusion .
Foreword
The Little Data Book on Financial Inclusion 2018 is a pocket edition of the Global Findex database published in 2018 . The data represent a third round of data collection since the Global Findex database was launched in 2011 . 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 144 economies . In addition, new indicators measure how people make or receive digital payments . This book presents data for selected indicators by country, region, and income group . For some indicators the data are disaggregated by gender, income level, employment status 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 Global Findex web page (http://www .worldbank .org/globalfindex) .
The Global Findex database is housed in the World Bank’s Development Research Group and funded by 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 . And as the Global Findex survey questionnaire has expanded, the data have allowed more nuanced insights into the use of mobile technology to pay bills, receive wages and government payments, and send money to and receive it from family living elsewhere .
This third edition of the database was compiled in 2017 and includes updated indicators on access to and use of formal and informal financial services and additional data on financial technology, or fintech, including the use of mobile phones and the internet to complete financial transactions . The data were collected by Gallup, Inc . over the 2017 calendar year alongside the Gallup World Poll survey .
Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals . This book and the accompanying research have the potential to aid policy makers, the private sector, and the entire global com-munity as together we shape an effective environment for shared prosperity .
Introduction
viiThe Little Data Book on Financial Inclusion 2018
viii 2018 The Little Data Book on Financial Inclusion
Data notesThe data in this book are for 2017 unless otherwise noted in the tables or the glossary .
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 144 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 2018
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 PacificCambodia; China; Indonesia; Lao People’s Democratic Republic;* Malaysia; Mongolia; Myanmar;† Philippines; Thailand; Vietnam
Europe and Central AsiaAlbania; Armenia; Azerbaijan; Belarus; Bosnia and Herzegovina; Bulgaria; Croatia; Georgia; Kazakhstan; Kosovo; Kyrgyz Republic; former Yugoslav Republic of Macedonia; Moldova; Montenegro; Romania; Russian Federation; Serbia; Tajikistan; Turkey; Turkmenistan;* Ukraine; Uzbekistan
High incomeAustralia; Austria; Bahrain; Belgium; Canada; Chile; Cyprus; Czech Republic; Denmark; Estonia; Finland; France; Germany; Greece; Hong Kong SAR, China; Hungary; Ireland; Israel; Italy; Japan; Republic of Korea; Kuwait; Latvia; Lithuania; Luxembourg; Malta; Netherlands; New Zealand; Norway;† Oman;†† Poland; Portugal; Puerto Rico;‡‡ Qatar;†† Saudi Arabia; Singapore; Slovak Republic; Slovenia; Spain; Sweden; Switzerland;† Taiwan, China; Trinidad and Tobago;* United Arab Emirates; United Kingdom; United States; Uruguay
Latin America and the CaribbeanArgentina; Belize;‡ Bolivia; Brazil; Colombia; Costa Rica; Dominican Republic; Ecuador; El Salvador; Guatemala; Haiti; Honduras; Jamaica;§ Mexico; Nicaragua; Panama; Paraguay;* Peru; República Bolivariana de Venezuela
Middle East and North Africa**Algeria; Djibouti;†† Arab Republic of Egypt; Islamic Republic of Iran; Iraq; Jordan; Lebanon; Libya;‡ Morocco;‡ Syrian Arab Republic;†† Tunisia;† West Bank and Gaza; Republic of Yemen§
South AsiaAfghanistan; Bangladesh; Bhutan;‡‡ India; Nepal; Pakistan; Sri Lanka
Sub-Saharan AfricaAngola;§ Benin; Botswana; Burkina Faso; Burundi;§ Cameroon; Central African Republic;* Chad; Comoros;†† Democratic Republic of Congo; Republic of Congo; Côte d’Ivoire;† Ethiopia;† Gabon; Ghana; Guinea; Kenya; Lesotho;* Liberia;* Madagascar; Malawi; Mali; Mauritania; Mauritius; Mozambique;‡ Namibia;† Niger; Nigeria; Rwanda; Senegal; Sierra Leone; Somalia;‡‡ South Africa; South Sudan;‡ Sudan;§ Swaziland;†† Tanzania; Togo; Uganda; Zambia; Zimbabwe
* Excluded in 2014 data only .† Excluded in 2011 data only .‡ Excluded in 2011 and 2014 data . § Excluded in 2017 data only .** Middle East and North Africa average suppressed in 2014 data .†† Excluded in 2014 and 2017 data .‡‡ Excluded in 2011 and 2017 data .
Regional tables
2 2018 The Little Data Book on Financial Inclusion
WorldPopulation, age 15+ (millions) 5,502.4 GNI per capita ($) 10,308
68.562.050.6
67.161.250.6
4.42.1
64.860.559.366.0
52.341.522.315.916.329.024.932.6
13.413.7
..
..
..
26.727.3
..48.420.6
22.522.325.847.511.2
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
3The Little Data Book on Financial Inclusion 2018
East Asia & PacificPopulation, age 15+ (millions) 1,628.8 GNI per capita ($) 6,667
70.669.155.1
70.368.955.1
1.30.4
67.959.359.868.8
58.039.020.815.912.238.631.033.1
11.811.9
15.07.35.8
30.636.78.6
53.123.2
21.519.529.646.810.8
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
4 2018 The Little Data Book on Financial Inclusion
Europe & Central AsiaPopulation, age 15+ (millions) 331.6 GNI per capita ($) 7,694
65.357.844.8
65.157.844.8
3.20.2
62.556.352.861.7
60.446.123.021.228.830.623.138.5
6.66.7
12.87.08.0
14.411.05.0
37.015.0
24.222.324.544.011.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
5The Little Data Book on Financial Inclusion 2018
Latin America & CaribbeanPopulation, age 15+ (millions) 454.7 GNI per capita ($) 7,955
54.451.439.3
53.551.239.3
5.31.7
51.341.943.352.6
45.137.714.012.615.914.911.127.6
9.09.3
8.94.83.9
12.213.4
7.537.211.8
20.824.815.237.65.2
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
6 2018 The Little Data Book on Financial Inclusion
Middle East & North AfricaPopulation, age 15+ (millions) 256.7 GNI per capita ($) 4,042
43.5..
32.9
43.0..
32.9
5.8..
35.035.335.036.9
33.3..
9.85.9
19.512.210.416.2
7.17.2
5.04.9
11.1
10.8..
8.031.3
8.1
9.6..
31.142.68.2
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
7The Little Data Book on Financial Inclusion 2018
South AsiaPopulation, age 15+ (millions) 1,248.7 GNI per capita ($) 1,611
69.646.532.4
68.445.632.4
4.22.6
64.165.661.769.2
27.816.7
7.14.87.14.57.1
10.0
31.231.6
7.61.98.3
17.212.710.233.211.4
7.88.6
31.341.55.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
8 2018 The Little Data Book on Financial Inclusion
Sub-Saharan AfricaPopulation, age 15+ (millions) 590.0 GNI per capita ($) 1,515
42.634.223.2
32.828.823.2
20.911.6
36.931.931.439.5
34.426.9
7.75.77.37.6
20.87.5
5.57.1
22.711.09.4
14.915.825.354.410.3
8.47.5
31.045.7
4.7
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
Income group tables
9The Little Data Book on Financial Inclusion 2018
The 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 2016 . 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 $1,005 or less in 2016 .
Middle income economies are those with a GNI per capita between $1,006 and $12,235 . Lower-middle-income and upper-middle-income economies are separated at a GNI per capita of $3,955 .
High income economies are those with a GNI per capita of $12,236 or more .
10 2018 The Little Data Book on Financial Inclusion
Low incomePopulation, age 15+ (millions) 378.0 GNI per capita ($) 614
34.922.913.4
24.516.913.4
17.69.9
29.925.523.432.3
25.615.14.43.34.34.8
17.1..
5.26.5
16.09.68.0
11.18.9
23.047.68.9
7.96.1
31.345.6
5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
11The Little Data Book on Financial Inclusion 2018
Middle incomePopulation, age 15+ (millions) 4,132.5 GNI per capita ($) 4,891
65.357.543.4
64.356.943.4
4.31.9
61.056.555.264.8
45.432.714.911.513.021.919.223.8
16.316.6
12.25.57.1
21.323.4
9.643.016.1
16.016.428.343.6
8.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
12 2018 The Little Data Book on Financial Inclusion
Lower middle incomePopulation, age 15+ (millions) 2,084.0 GNI per capita ($) 2,078
57.841.928.9
56.140.628.9
5.33.2
53.050.750.857.6
29.219.7
7.55.58.36.88.3
10.0
21.622.0
10.14.78.8
15.914.413.039.713.2
9.810.030.442.9
5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
13The Little Data Book on Financial Inclusion 2018
Upper middle incomePopulation, age 15+ (millions) 2,048.5 GNI per capita ($) 8,176
73.171.657.0
72.871.557.0
3.20.8
69.362.461.672.9
62.344.422.617.817.937.530.638.1
10.811.0
14.56.45.3
26.931.55.9
46.419.1
22.422.126.144.411.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
14 2018 The Little Data Book on Financial Inclusion
Low & middle incomePopulation, age 15+ (millions) 4,510.5 GNI per capita ($) 4,441
63.055.241.8
61.354.241.8
5.32.5
58.654.253.262.0
43.931.614.110.912.320.619.122.2
15.515.8
12.55.87.2
20.522.410.643.415.5
15.415.728.543.8
7.8
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
15The Little Data Book on Financial Inclusion 2018
High incomePopulation, age 15+ (millions) 992.0 GNI per capita ($) 41,150
93.792.888.3
93.792.888.3
..
..
92.990.089.993.7
90.586.459.738.934.367.651.880.1
3.83.8
..
..
..
54.849.6
..71.443.9
55.151.913.364.426.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
AfghanistanGender-matched sampling was used during the final stage of selection .
AlgeriaGlobal Findex data exclude sparsely populated areas in the far South, representing about 10 percent of the population .
ArgentinaGlobal Findex data exclude dispersed rural population areas, representing about 5 .7 percent of the population .
AzerbaijanGlobal Findex data exclude Kelbadjaro-Lacha, Nagorno-Karabakh, and Nakhichevan territories, representing about 14 percent of the population .
BahrainGlobal Findex data include only Bahraini nationals, Arab expatriates, and non-Arabs who were able to participate in the survey in Arabic or English .
BangladeshGlobal Findex data exclude three hill districts in Chittagong (Bandarban, Khagrachori, and Rangamati) for security reasons . The excluded areas represent about 1 percent of the population .
CameroonGlobal Findex data exclude some localities because of security concerns: Blangoua, Bourrha, Darak, Fotokol, Goulfey, Hile-Alifa, Kolofata, Koza, Mayo Moskota, Mogode, Mora, Tokombere, Waza, and Zina . The excluded areas represent about 10 percent of the population .
Central African RepublicGlobal Findex data exclude some prefectures because of security concerns: Bamingui-Bangoran, Basse-Kotto, Haute-Kotto, Haut-Mbomou, Mbomou, Nana-Grébizi, Ouham, Ouham-Pende, and Vakaga . The excluded areas represent about 40 percent of the estimated population .
ChadGlobal Findex data exclude seven regions because of security concerns and wilderness (Bourkou, Ennedi, Ouaddai, Salamat, Sila, Tibesti, and Wadi Fira) as well as quartiers or villages with less than 50 inhabitants . The excluded areas represent about 20 percent of the population .
ChileGlobal Findex data exclude the remote areas Antarctica, Easter Island, and Juan Fernández Island, representing about 0 .04 percent of the population .
ChinaGlobal Findex data exclude Tibet and Xinjiang, representing less than 5 percent of the population . Unless otherwise noted, data for China do not include data for Hong Kong SAR, China; Macao SAR, China; or Taiwan, China .
Country tables
16 2018 The Little Data Book on Financial Inclusion
Congo, Dem. Rep. Global Findex data exclude parts of several provinces (Eastern Kasai, Equateur, Katanga, North Kivu, Orientale, and South Kivu) and all of Western Kasai province for security reasons . The excluded areas represent about 34 percent of the estimated population .
CyprusGNI per capita data refer to the area controlled by the government of Cyprus .
Egypt, Arab Rep.Global Findex data exclude frontier governorates (Matruh, New Valley, North Sinai, Red Sea, and South Sinai) because of their remoteness and small population share . The excluded areas represent less than 2 percent of the population .
GeorgiaGNI per capita and population data exclude Abkhazia and South Ossetia .
IndiaGlobal Findex data exclude Northeast states and remote islands, representing less than 10 percent of the population .
IsraelGlobal Findex data exclude East Jerusalem . This area is included in the sample for West Bank and Gaza .
JapanGlobal Findex data exclude 12 municipalities near the nuclear power plant in Fukushima, representing less than 1 percent of the population .
JordanBecause of a change in survey methodology, Global Findex data for 2017 include any respondent in a fixed household able to participate in the survey in Arabic . This resulted in a higher percentage of self-reported non-Jordanians (12 percent in the 2017 sample, compared with less than 5 percent in previous waves) .
KuwaitGlobal Findex data include only Kuwaiti nationals, Arab expatriates, and non-Arabs who were able to participate in the survey in Arabic or English .
Lao PDRGlobal Findex data exclude Xaisomboun Province and some communes in Bokeo, Huaphanh, Luangnamtha, Luangprabang, Oudomxay, Phongsaly, Saravane, Sekong, Xayaboury, and Xienkhuang because of remoteness or security issues . The excluded areas represent about 10 percent of the population .
Country tables
17The Little Data Book on Financial Inclusion 2018
LebanonGlobal Findex data exclude towns of Baalbek, Bint Jbeil, and Hermel under the control of Hezbollah as well as the Beirut suburb of Dahiyeh . The excluded areas represent about 13 percent of the population . Excluded zones were replaced by areas within the same governorate .
MadagascarGlobal Findex data exclude unsafe or inaccessible regions, representing about 25 percent of the population .
MaliGlobal Findex data exclude the regions of Gao, Kidal, Mopti, and Tombouctou because of security concerns . These regions represent 23 percent of the population .
MoldovaGNI per capita, population, and Global Findex data exclude Transnistria (Prednestrovie) because of security concerns . The excluded area represents about 13 percent of the population .
MontenegroGlobal Findex data exclude some very small and remote villages (with less than 150 people), representing about 0 .5–1 .5 percent of the population .
MoroccoGNI per capita data include the former Spanish Sahara . Global Findex data exclude the Southern provinces, representing about 3 percent of the population .
MyanmarGlobal Findex data exclude the states of Chin, Kachin, and Kayah, representing less than 5 percent of the population .
NigeriaGlobal Findex data exclude the states of Adamawa, Borno, and Yobe because of security concerns . These states represent 7 percent of the population .
Russian FederationGlobal Findex data exclude remote or difficult-to-access areas in the Far North, North Caucasus, and Far East (Nenets autonomous region, Yamalo-Nenets autonomous region, Chukotsk region) as well as other remote or difficult-to-access districts . The excluded areas represent about 20 percent of the population .
Saudi ArabiaGlobal Findex data include only Saudi nationals, Arab expatriates, and non-Arabs who were able to participate in the survey in Arabic or English .
Country tables
18 2018 The Little Data Book on Financial Inclusion
SingaporeGlobal Findex data exclude 7 percent of condominium dwellers . About 14 percent of the population were living in condominiums as of 2016 .
South SudanGlobal Findex data exclude parts of 9 of 10 states because of security concerns . It excludes the majority of Unity State and Upper Nile State as well as all of Jonglei State except Bor South County . The excluded areas represent 44 percent of the population .
TanzaniaGNI per capita data refer to mainland Tanzania only .
ThailandGlobal Findex data exclude three provinces in the South region (Narathiwat, Pattani, and Yala) for security reasons as well as a few districts in other provinces . The excluded areas represent less than 4 percent of the population .
UkraineGlobal Findex data exclude occupied and conflict areas in Donetsk and Lugansk oblasts . The excluded areas represent 10 percent of the population .
United Arab EmiratesGlobal Findex data include only Emirati nationals, Arab expatriates, and non-Arabs who were able to participate in the survey in Arabic or English .
Venezuela, RBGlobal Findex data exclude the Federal Dependencies because of remoteness and difficulty of access, as well as some additional areas because of security concerns . The excluded areas represent about 5 percent of the population .
VietnamGlobal Findex data exclude 11 provinces: An Giang, Dac Lak, Dien Bien, Gia Lai, Ha Giang, Ha Tinh, Kien Giang, Kon Tum, Nghe An, Quang Binh, and Thanh Hoa . The excluded areas represent about 19 percent of the population .
West Bank and GazaGlobal Findex data exclude areas with security concerns close to the Israeli borders, areas accessible only to special Israeli permit holders, and areas with a population of less than 1,000 . The excluded areas represent less than 2 percent of the population . The data include East Jerusalem .
Country tables
19The Little Data Book on Financial Inclusion 2018
20 2018 The Little Data Book on Financial Inclusion
Country data
SouthAsia
Lowincome
AfghanistanPopulation, age 15+ (millions) 19.5 GNI per capita ($) 580
South Asia Low income
14.9 69.6 34.910.0 46.5 22.9
9.0 32.4 13.4
14.5 68.4 24.510.0 45.6 16.9
9.0 32.4 13.4
0.9 4.2 17.60.3 2.6 9.9
7.2 64.1 29.913.8 65.6 25.5
4.0 61.7 23.415.3 69.2 32.3
10.8 27.8 25.65.6 16.7 15.10.8 7.1 4.42.8 4.8 3.3
.. 7.1 4.30.5 4.5 4.80.9 7.1 17.1
.. 10.0 ..
4.8 31.2 5.25.0 31.6 6.5
2.5 7.6 16.02.0 1.9 9.69.6 8.3 8.0
3.7 17.2 11.13.6 12.7 8.90.8 10.2 23.0
14.0 33.2 47.67.4 11.4 8.9
3.8 7.8 7.94.5 8.6 6.1
25.8 31.3 31.333.9 41.5 45.6
7.4 5.1 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
21The Little Data Book on Financial Inclusion 2018
Country data
Europe &Central
Asia
Upper middle income
AlbaniaPopulation, age 15+ (millions) 2.4 GNI per capita ($) 4,180
Europe & Central Asia Upper middle income
40.0 65.3 73.138.0 57.8 71.628.3 44.8 57.0
39.3 65.1 72.838.0 57.8 71.528.3 44.8 57.0
2.4 3.2 3.2.. 0.2 0.8
38.1 62.5 69.322.8 56.3 62.426.9 52.8 61.630.6 61.7 72.9
28.8 60.4 62.320.0 46.1 44.4
4.8 23.0 22.69.2 21.2 17.8
12.1 28.8 17.97.3 30.6 37.54.2 23.1 30.67.7 38.5 38.1
7.4 6.6 10.87.5 6.7 11.0
3.7 12.8 14.53.8 7.0 6.4
14.3 8.0 5.3
8.7 14.4 26.97.5 11.0 31.51.5 5.0 5.9
25.9 37.0 46.48.9 15.0 19.1
12.5 24.2 22.413.5 22.3 22.124.5 24.5 26.143.0 44.0 44.4
8.5 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
22 2018 The Little Data Book on Financial Inclusion
Country data
Middle East &
North Africa
Upper middle income
AlgeriaPopulation, age 15+ (millions) 28.8 GNI per capita ($) 4,220
Middle East & North Africa Upper middle income
42.8 43.5 73.150.5 .. 71.633.3 32.9 57.0
42.8 43.0 72.850.5 .. 71.533.3 32.9 57.0
.. 5.8 3.2
.. .. 0.8
29.3 35.0 69.335.0 35.3 62.428.7 35.0 61.643.8 36.9 72.9
26.0 33.3 62.325.4 .. 44.48.4 9.8 22.63.2 5.9 17.8
11.5 19.5 17.94.6 12.2 37.52.0 10.4 30.64.7 16.2 38.1
13.6 7.1 10.813.6 7.2 11.0
5.5 5.0 14.50.3 4.9 6.4
19.3 11.1 5.3
11.4 10.8 26.913.8 .. 31.5
4.4 8.0 5.938.7 31.3 46.412.4 8.1 19.1
5.0 9.6 22.45.8 .. 22.1
18.6 31.1 26.128.9 42.6 44.4
4.7 8.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
23The Little Data Book on Financial Inclusion 2018
Country data
Latin America &the Carib.
Upper middle income
ArgentinaPopulation, age 15+ (millions) 32.9 GNI per capita ($) 11,970
Latin America & Caribbean Upper middle income
48.7 54.4 73.150.2 51.4 71.633.1 39.3 57.0
47.9 53.5 72.850.2 51.2 71.533.1 39.3 57.0
2.4 5.3 3.20.4 1.7 0.8
50.8 51.3 69.338.1 41.9 62.449.0 43.3 61.647.6 52.6 72.9
40.2 45.1 62.333.9 37.7 44.4
8.1 14.0 22.69.2 12.6 17.8
17.9 15.9 17.918.6 14.9 37.510.5 11.1 30.631.7 27.6 38.1
6.2 9.0 10.86.4 9.3 11.0
3.0 8.9 14.52.7 4.8 6.45.4 3.9 5.3
7.2 12.2 26.94.1 13.4 31.53.2 7.5 5.9
30.3 37.2 46.46.8 11.8 19.1
24.4 20.8 22.426.7 24.8 22.115.7 15.2 26.137.5 37.6 44.43.2 5.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
24 2018 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Lower middle income
ArmeniaPopulation, age 15+ (millions) 2.3 GNI per capita ($) 3,770
Europe & Central Asia Lower middle income
47.8 65.3 57.817.7 57.8 41.917.5 44.8 28.9
45.3 65.1 56.117.2 57.8 40.617.5 44.8 28.9
9.8 3.2 5.30.7 0.2 3.2
40.9 62.5 53.034.4 56.3 50.733.2 52.8 50.846.8 61.7 57.6
41.5 60.4 29.212.2 46.1 19.715.3 23.0 7.5
8.7 21.2 5.517.7 28.8 8.315.4 30.6 6.811.3 23.1 8.312.0 38.5 10.0
7.3 6.6 21.68.2 6.7 22.0
12.0 12.8 10.17.3 7.0 4.7
10.7 8.0 8.8
10.0 14.4 15.91.6 11.0 14.44.7 5.0 13.0
31.3 37.0 39.75.6 15.0 13.2
31.2 24.2 9.821.1 22.3 10.028.8 24.5 30.455.3 44.0 42.916.6 11.6 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
25The Little Data Book on Financial Inclusion 2018
Country data
High income
AustraliaPopulation, age 15+ (millions) 19.6 GNI per capita ($) 54,230
High income
99.5 93.798.9 92.899.1 88.3
99.5 93.798.9 92.899.1 88.3
.. ..
.. ..
99.2 92.999.3 90.098.6 89.999.3 93.7
95.9 90.594.9 86.459.9 59.737.0 38.950.5 34.375.6 67.667.7 51.890.0 80.1
2.9 3.82.9 3.8
.. ..
.. ..
.. ..
62.1 54.861.4 49.6
.. ..79.3 71.450.3 43.9
63.7 55.165.0 51.913.2 13.371.7 64.438.2 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
26 2018 The Little Data Book on Financial Inclusion
Country data
High income
AustriaPopulation, age 15+ (millions) 7.5 GNI per capita ($) 45,870
High income
98.2 93.796.7 92.897.1 88.3
98.2 93.796.7 92.897.1 88.3
.. ..
.. ..
98.4 92.997.9 90.096.4 89.999.3 93.7
96.1 90.592.3 86.473.3 59.744.9 38.937.3 34.363.5 67.650.7 51.883.8 80.1
3.4 3.83.4 3.8
.. ..
.. ..
.. ..
55.8 54.860.4 49.6
.. ..79.6 71.456.6 43.9
47.3 55.142.1 51.914.3 13.361.6 64.419.7 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
27The Little Data Book on Financial Inclusion 2018
Country data
Europe &Central
Asia
Upper middle income
AzerbaijanPopulation, age 15+ (millions) 7.5 GNI per capita ($) 4,760
Europe & Central Asia Upper middle income
28.6 65.3 73.129.2 57.8 71.614.9 44.8 57.0
28.6 65.1 72.829.2 57.8 71.514.9 44.8 57.0
.. 3.2 3.2
.. 0.2 0.8
27.7 62.5 69.318.1 56.3 62.421.7 52.8 61.620.2 61.7 72.9
24.6 60.4 62.317.7 46.1 44.43.9 23.0 22.68.3 21.2 17.8
14.6 28.8 17.99.4 30.6 37.52.0 23.1 30.67.4 38.5 38.1
1.5 6.6 10.81.5 6.7 11.0
2.8 12.8 14.53.7 7.0 6.4
17.2 8.0 5.3
4.5 14.4 26.95.3 11.0 31.53.5 5.0 5.9
26.8 37.0 46.46.5 15.0 19.1
15.1 24.2 22.424.6 22.3 22.141.2 24.5 26.150.6 44.0 44.4
6.6 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
28 2018 The Little Data Book on Financial Inclusion
Country data
High income
BahrainPopulation, age 15+ (millions) 1.1 GNI per capita ($) 22,660
High income
82.6 93.781.9 92.864.5 88.3
82.6 93.781.9 92.864.5 88.3
.. ..
.. ..
75.4 92.975.8 90.070.3 89.984.6 93.7
77.3 90.569.2 86.422.3 59.733.9 38.928.6 34.343.7 67.629.0 51.861.3 80.1
4.9 3.84.9 3.8
.. ..
.. ..
.. ..
30.7 54.834.7 49.6
.. ..54.9 71.422.9 43.9
36.3 55.138.7 51.932.9 13.360.2 64.425.2 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
29The Little Data Book on Financial Inclusion 2018
Country data
South Asia
Lower middle income
BangladeshPopulation, age 15+ (millions) 115.9 GNI per capita ($) 1,330
South Asia Lower middle income
50.0 69.6 57.831.0 46.5 41.931.7 32.4 28.9
41.0 68.4 56.129.1 45.6 40.631.7 32.4 28.9
21.2 4.2 5.32.7 2.6 3.2
35.8 64.1 53.040.1 65.6 50.738.4 61.7 50.849.9 69.2 57.6
34.1 27.8 29.27.4 16.7 19.7
10.0 7.1 7.53.5 4.8 5.5
.. 7.1 8.33.5 4.5 6.8
22.4 7.1 8.3.. 10.0 10.0
10.4 31.2 21.612.6 31.6 22.0
12.6 7.6 10.18.8 1.9 4.77.6 8.3 8.8
9.9 17.2 15.97.4 12.7 14.4
11.7 10.2 13.027.5 33.2 39.78.7 11.4 13.2
9.2 7.8 9.810.0 8.6 10.021.4 31.3 30.436.8 41.5 42.910.2 5.1 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
30 2018 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Upper middle income
BelarusPopulation, age 15+ (millions) 7.9 GNI per capita ($) 5,600
Europe & Central Asia Upper middle income
81.2 65.3 73.172.0 57.8 71.658.6 44.8 57.0
81.2 65.1 72.872.0 57.8 71.558.6 44.8 57.0
.. 3.2 3.2
.. 0.2 0.8
81.3 62.5 69.374.4 56.3 62.456.7 52.8 61.674.7 61.7 72.9
78.7 60.4 62.361.1 46.1 44.436.4 23.0 22.635.3 21.2 17.842.9 28.8 17.945.7 30.6 37.532.4 23.1 30.660.8 38.5 38.1
1.8 6.6 10.81.8 6.7 11.0
8.0 12.8 14.55.6 7.0 6.4
22.5 8.0 5.3
22.2 14.4 26.914.9 11.0 31.5
2.0 5.0 5.950.4 37.0 46.424.1 15.0 19.1
21.5 24.2 22.420.8 22.3 22.134.2 24.5 26.148.6 44.0 44.415.4 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
31The Little Data Book on Financial Inclusion 2018
Country data
High income
BelgiumPopulation, age 15+ (millions) 9.4 GNI per capita ($) 41,860
High income
98.6 93.798.1 92.896.3 88.3
98.6 93.798.1 92.896.3 88.3
.. ..
.. ..
98.8 92.998.9 90.097.0 89.999.1 93.7
97.1 90.595.6 86.475.4 59.736.2 38.947.4 34.371.1 67.661.9 51.887.5 80.1
4.1 3.84.1 3.8
.. ..
.. ..
.. ..
55.6 54.855.5 49.6
.. ..69.9 71.451.6 43.9
48.3 55.145.3 51.9
9.3 13.354.5 64.432.7 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
32 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Low income
BeninPopulation, age 15+ (millions) 6.2 GNI per capita ($) 820
Sub-Saharan Africa Low income
38.5 42.6 34.916.6 34.2 22.910.5 23.2 13.4
31.9 32.8 24.516.0 28.8 16.910.5 23.2 13.4
18.1 20.9 17.62.0 11.6 9.9
28.6 36.9 29.931.9 31.9 25.525.3 31.4 23.435.0 39.5 32.3
28.5 34.4 25.68.2 26.9 15.13.7 7.7 4.43.1 5.7 3.3
.. 7.3 4.34.5 7.6 4.8
18.8 20.8 17.16.0 7.5 ..
9.7 5.5 5.212.2 7.1 6.5
16.2 22.7 16.010.5 11.0 9.611.3 9.4 8.0
9.8 14.9 11.17.1 15.8 8.9
28.2 25.3 23.049.3 54.4 47.612.4 10.3 8.9
11.4 8.4 7.97.7 7.5 6.1
23.5 31.0 31.346.3 45.7 45.6
6.0 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
33The Little Data Book on Financial Inclusion 2018
Country data
Latin America &the Carib.
Lower middle income
BoliviaPopulation, age 15+ (millions) 7.4 GNI per capita ($) 3,070
Latin America & Caribbean Lower middle income
54.4 54.4 57.841.8 51.4 41.928.0 39.3 28.9
51.2 53.5 56.140.7 51.2 40.628.0 39.3 28.9
7.1 5.3 5.32.8 1.7 3.2
53.9 51.3 53.042.8 41.9 50.736.7 43.3 50.853.1 52.6 57.6
40.0 45.1 29.227.0 37.7 19.717.3 14.0 7.54.7 12.6 5.58.3 15.9 8.39.0 14.9 6.89.5 11.1 8.3
10.4 27.6 10.0
11.2 9.0 21.611.7 9.3 22.0
15.5 8.9 10.16.9 4.8 4.77.8 3.9 8.8
16.4 12.2 15.923.5 13.4 14.4
6.4 7.5 13.054.8 37.2 39.719.9 11.8 13.2
20.0 20.8 9.822.1 24.8 10.026.7 15.2 30.444.6 37.6 42.912.0 5.2 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
34 2018 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Upper middle income
Bosnia and HerzegovinaPopulation, age 15+ (millions) 3.0 GNI per capita ($) 4,940
Europe & Central Asia Upper middle income
58.8 65.3 73.152.7 57.8 71.656.2 44.8 57.0
58.8 65.1 72.852.7 57.8 71.556.2 44.8 57.0
.. 3.2 3.2
.. 0.2 0.8
54.7 62.5 69.347.5 56.3 62.443.0 52.8 61.658.8 61.7 72.9
50.3 60.4 62.332.0 46.1 44.412.2 23.0 22.617.3 21.2 17.822.4 28.8 17.915.5 30.6 37.56.0 23.1 30.6
25.8 38.5 38.1
7.8 6.6 10.87.8 6.7 11.0
4.0 12.8 14.51.4 7.0 6.4
10.3 8.0 5.3
9.8 14.4 26.98.8 11.0 31.51.9 5.0 5.9
21.2 37.0 46.48.8 15.0 19.1
14.7 24.2 22.417.6 22.3 22.17.3 24.5 26.1
23.8 44.0 44.415.3 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
35The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Upper middle income
BotswanaPopulation, age 15+ (millions) 1.5 GNI per capita ($) 6,750
Sub-Saharan Africa Upper middle income
51.0 42.6 73.152.0 34.2 71.630.3 23.2 57.0
44.8 32.8 72.849.2 28.8 71.530.3 23.2 57.0
24.4 20.9 3.220.8 11.6 0.8
46.8 36.9 69.334.7 31.9 62.436.5 31.4 61.647.8 39.5 72.9
41.8 34.4 62.342.2 26.9 44.4
9.5 7.7 22.610.7 5.7 17.812.6 7.3 17.910.5 7.6 37.524.7 20.8 30.617.2 7.5 38.1
9.8 5.5 10.811.6 7.1 11.0
18.8 22.7 14.56.7 11.0 6.45.1 9.4 5.3
18.0 14.9 26.926.6 15.8 31.525.1 25.3 5.946.8 54.4 46.414.4 10.3 19.1
8.9 8.4 22.417.6 7.5 22.124.7 31.0 26.137.5 45.7 44.43.0 4.7 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
36 2018 The Little Data Book on Financial Inclusion
Country data
Latin America &the Carib.
Upper middle income
BrazilPopulation, age 15+ (millions) 161.7 GNI per capita ($) 8,840
Latin America & Caribbean Upper middle income
70.0 54.4 73.168.1 51.4 71.655.9 39.3 57.0
70.0 53.5 72.868.1 51.2 71.555.9 39.3 57.0
4.8 5.3 3.20.9 1.7 0.8
67.5 51.3 69.356.6 41.9 62.461.4 43.3 61.671.0 52.6 72.9
57.9 45.1 62.350.4 37.7 44.421.4 14.0 22.617.4 12.6 17.822.8 15.9 17.917.6 14.9 37.512.9 11.1 30.639.1 27.6 38.1
11.8 9.0 10.812.0 9.3 11.0
8.3 8.9 14.51.5 4.8 6.43.3 3.9 5.3
14.5 12.2 26.912.3 13.4 31.5
4.0 7.5 5.932.5 37.2 46.410.9 11.8 19.1
26.3 20.8 22.433.8 24.8 22.113.7 15.2 26.140.0 37.6 44.4
4.6 5.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
37The Little Data Book on Financial Inclusion 2018
Country data
Europe &Central
Asia
Upper middle income
BulgariaPopulation, age 15+ (millions) 6.1 GNI per capita ($) 7,580
Europe & Central Asia Upper middle income
72.2 65.3 73.163.0 57.8 71.652.8 44.8 57.0
72.2 65.1 72.863.0 57.8 71.552.8 44.8 57.0
.. 3.2 3.2
.. 0.2 0.8
73.6 62.5 69.354.5 56.3 62.451.2 52.8 61.665.6 61.7 72.9
64.9 60.4 62.347.8 46.1 44.410.9 23.0 22.629.8 21.2 17.829.0 28.8 17.926.0 30.6 37.510.7 23.1 30.637.0 38.5 38.1
4.3 6.6 10.84.3 6.7 11.0
6.9 12.8 14.52.4 7.0 6.49.4 8.0 5.3
27.8 14.4 26.914.3 11.0 31.51.3 5.0 5.9
41.3 37.0 46.419.8 15.0 19.1
18.8 24.2 22.418.8 22.3 22.124.3 24.5 26.137.6 44.0 44.49.5 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
38 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Low income
Burkina FasoPopulation, age 15+ (millions) 10.2 GNI per capita ($) 620
Sub-Saharan Africa Low income
43.2 42.6 34.914.4 34.2 22.913.4 23.2 13.4
23.3 32.8 24.513.4 28.8 16.913.4 23.2 13.4
33.0 20.9 17.63.1 11.6 9.9
34.5 36.9 29.926.7 31.9 25.529.9 31.4 23.440.0 39.5 32.3
38.9 34.4 25.68.3 26.9 15.13.0 7.7 4.46.0 5.7 3.37.8 7.3 4.35.4 7.6 4.8
29.0 20.8 17.13.8 7.5 ..
3.1 5.5 5.25.3 7.1 6.5
25.8 22.7 16.016.6 11.0 9.66.9 9.4 8.0
12.1 14.9 11.18.7 15.8 8.9
27.1 25.3 23.053.9 54.4 47.613.6 10.3 8.9
10.0 8.4 7.95.9 7.5 6.1
34.8 31.0 31.352.3 45.7 45.6
6.1 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
39The Little Data Book on Financial Inclusion 2018
Country data
EastAsia &Pacific
Lower middle income
CambodiaPopulation, age 15+ (millions) 10.8 GNI per capita ($) 1,140
East Asia & Pacific Lower middle income
21.7 70.6 57.822.2 69.1 41.9
3.7 55.1 28.9
17.8 70.3 56.112.6 68.9 40.6
3.7 55.1 28.9
5.7 1.3 5.313.3 0.4 3.2
21.5 67.9 53.014.3 59.3 50.714.8 59.8 50.819.2 68.8 57.6
15.6 58.0 29.217.6 39.0 19.75.7 20.8 7.51.1 15.9 5.52.9 12.2 8.33.8 38.6 6.85.9 31.0 8.3
.. 33.1 10.0
4.9 11.8 21.65.1 11.9 22.0
4.9 15.0 10.126.1 7.3 4.79.9 5.8 8.8
5.3 30.6 15.93.6 36.7 14.4
11.0 8.6 13.051.5 53.1 39.720.4 23.2 13.2
26.7 21.5 9.828.4 19.5 10.035.1 29.6 30.458.7 46.8 42.916.1 10.8 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
40 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middle income
CameroonPopulation, age 15+ (millions) 13.4 GNI per capita ($) 1,400
Sub-Saharan Africa Lower middle income
34.6 42.6 57.812.2 34.2 41.914.8 23.2 28.9
26.9 32.8 56.111.4 28.8 40.614.8 23.2 28.9
15.1 20.9 5.31.8 11.6 3.2
30.0 36.9 53.025.0 31.9 50.722.9 31.4 50.829.2 39.5 57.6
28.6 34.4 29.27.7 26.9 19.75.2 7.7 7.54.2 5.7 5.5
.. 7.3 8.35.6 7.6 6.8
15.6 20.8 8.32.9 7.5 10.0
7.2 5.5 21.68.6 7.1 22.0
20.4 22.7 10.122.1 11.0 4.78.9 9.4 8.8
10.9 14.9 15.97.7 15.8 14.4
31.9 25.3 13.057.0 54.4 39.710.0 10.3 13.2
7.7 8.4 9.82.1 7.5 10.0
32.7 31.0 30.452.7 45.7 42.95.9 4.7 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
41The Little Data Book on Financial Inclusion 2018
Country data
High income
CanadaPopulation, age 15+ (millions) 30.5 GNI per capita ($) 43,680
High income
99.7 93.799.1 92.895.8 88.3
99.7 93.799.1 92.895.8 88.3
.. ..
.. ..
99.9 92.999.8 90.099.5 89.999.7 93.7
97.9 90.596.3 86.468.5 59.736.7 38.951.8 34.379.7 67.669.6 51.895.3 80.1
1.6 3.81.6 3.8
.. ..
.. ..
.. ..
67.6 54.862.6 49.6
.. ..80.1 71.459.3 43.9
82.8 55.176.5 51.913.9 13.388.2 64.435.8 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
42 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Low income
Central African RepublicPopulation, age 15+ (millions) 2.6 GNI per capita ($) 370
Sub-Saharan Africa Low income
13.7 42.6 34.9.. 34.2 22.9
3.3 23.2 13.4
13.7 32.8 24.5.. 28.8 16.9
3.3 23.2 13.4
.. 20.9 17.6
.. 11.6 9.9
9.7 36.9 29.99.2 31.9 25.5
11.2 31.4 23.47.5 39.5 32.3
9.3 34.4 25.6.. 26.9 15.1
2.4 7.7 4.4.. 5.7 3.3.. 7.3 4.3
4.7 7.6 4.82.2 20.8 17.1
.. 7.5 ..
5.3 5.5 5.25.3 7.1 6.5
4.4 22.7 16.09.4 11.0 9.6
10.2 9.4 8.0
5.7 14.9 11.1.. 15.8 8.9
22.3 25.3 23.039.7 54.4 47.69.6 10.3 8.9
4.5 8.4 7.9.. 7.5 6.1
19.0 31.0 31.336.7 45.7 45.6
5.1 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
43The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
ChadPopulation, age 15+ (millions) 7.6 GNI per capita ($) 720
Sub-Saharan Africa Low income
21.8 42.6 34.912.4 34.2 22.9
9.0 23.2 13.4
8.8 32.8 24.57.7 28.8 16.99.0 23.2 13.4
15.2 20.9 17.65.8 11.6 9.9
14.9 36.9 29.914.1 31.9 25.515.7 31.4 23.420.8 39.5 32.3
19.0 34.4 25.69.2 26.9 15.11.9 7.7 4.4
.. 5.7 3.3
.. 7.3 4.32.5 7.6 4.8
13.4 20.8 17.1.. 7.5 ..
2.7 5.5 5.2.. 7.1 6.5
12.4 22.7 16.010.2 11.0 9.64.8 9.4 8.0
2.5 14.9 11.14.6 15.8 8.9
15.0 25.3 23.026.9 54.4 47.6
5.4 10.3 8.9
3.9 8.4 7.92.4 7.5 6.1
27.7 31.0 31.338.1 45.7 45.63.2 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
44 2018 The Little Data Book on Financial Inclusion
Country data
High income
ChilePopulation, age 15+ (millions) 14.2 GNI per capita ($) 13,540
High income
74.3 93.763.3 92.842.2 88.3
73.8 93.763.2 92.842.2 88.3
18.7 ..3.8 ..
71.3 92.966.9 90.058.5 89.971.5 93.7
65.4 90.552.6 86.416.1 59.727.1 38.918.3 34.329.5 67.628.0 51.853.4 80.1
8.7 3.88.7 3.8
16.7 ..4.2 ..5.3 ..
21.1 54.815.0 49.6
7.8 ..49.2 71.417.7 43.9
30.9 55.131.3 51.915.2 13.345.4 64.410.4 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
45The Little Data Book on Financial Inclusion 2018
Country data
EastAsia &Pacific
Upper middle income
ChinaPopulation, age 15+ (millions) 1,134.6 GNI per capita ($) 8,250
East Asia & Pacific Upper middle income
80.2 70.6 73.178.9 69.1 71.663.8 55.1 57.0
80.2 70.3 72.878.9 68.9 71.563.8 55.1 57.0
.. 1.3 3.2
.. 0.4 0.8
76.4 67.9 69.368.4 59.3 62.469.5 59.8 61.677.7 68.8 72.9
67.9 58.0 62.344.5 39.0 44.425.8 20.8 22.619.3 15.9 17.812.8 12.2 17.948.8 38.6 37.539.8 31.0 30.641.9 33.1 38.1
12.0 11.8 10.812.0 11.9 11.0
14.8 15.0 14.56.3 7.3 6.44.8 5.8 5.3
34.8 30.6 26.941.2 36.7 31.54.2 8.6 5.9
51.1 53.1 46.421.6 23.2 19.1
22.7 21.5 22.420.6 19.5 22.128.3 29.6 26.144.7 46.8 44.412.4 10.8 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
46 2018 The Little Data Book on Financial Inclusion
Country data
Latin America &the Carib.
Upper middle income
ColombiaPopulation, age 15+ (millions) 37.0 GNI per capita ($) 6,310
Latin America & Caribbean Upper middle income
45.8 54.4 73.139.0 51.4 71.630.4 39.3 57.0
44.9 53.5 72.838.4 51.2 71.530.4 39.3 57.0
4.7 5.3 3.22.2 1.7 0.8
42.5 51.3 69.335.0 41.9 62.430.8 43.3 61.641.2 52.6 72.9
37.3 45.1 62.329.6 37.7 44.413.8 14.0 22.610.3 12.6 17.812.5 15.9 17.911.7 14.9 37.58.5 11.1 30.6
17.5 27.6 38.1
8.1 9.0 10.88.4 9.3 11.0
10.6 8.9 14.515.1 4.8 6.44.9 3.9 5.3
8.7 12.2 26.912.3 13.4 31.55.2 7.5 5.9
38.8 37.2 46.412.9 11.8 19.1
21.2 20.8 22.421.7 24.8 22.120.5 15.2 26.141.3 37.6 44.46.9 5.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
47The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
Congo, Dem. Rep.Population, age 15+ (millions) 42.2 GNI per capita ($) 430
Sub-Saharan Africa Low income
25.8 42.6 34.917.5 34.2 22.93.7 23.2 13.4
15.0 32.8 24.510.9 28.8 16.9
3.7 23.2 13.4
16.1 20.9 17.69.2 11.6 9.9
24.2 36.9 29.917.4 31.9 25.517.7 31.4 23.418.5 39.5 32.3
21.7 34.4 25.614.7 26.9 15.11.9 7.7 4.4
.. 5.7 3.3
.. 7.3 4.33.1 7.6 4.8
17.2 20.8 17.1.. 7.5 ..
3.9 5.5 5.24.4 7.1 6.5
13.3 22.7 16.010.8 11.0 9.6
9.1 9.4 8.0
4.7 14.9 11.14.7 15.8 8.9
10.6 25.3 23.038.9 54.4 47.6
6.0 10.3 8.9
3.9 8.4 7.93.0 7.5 6.1
23.2 31.0 31.334.8 45.7 45.6
1.9 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
48 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middle income
Congo, Rep.Population, age 15+ (millions) 3.0 GNI per capita ($) 1,710
Sub-Saharan Africa Lower middle income
26.1 42.6 57.817.1 34.2 41.910.0 23.2 28.9
23.3 32.8 56.116.7 28.8 40.610.0 23.2 28.9
6.2 20.9 5.32.0 11.6 3.2
21.0 36.9 53.018.2 31.9 50.721.3 31.4 50.816.4 39.5 57.6
17.8 34.4 29.29.2 26.9 19.72.4 7.7 7.51.7 5.7 5.5
.. 7.3 8.34.4 7.6 6.85.7 20.8 8.34.1 7.5 10.0
9.5 5.5 21.610.3 7.1 22.0
10.2 22.7 10.124.6 11.0 4.74.9 9.4 8.8
7.4 14.9 15.99.8 15.8 14.4
15.7 25.3 13.045.7 54.4 39.7
9.1 10.3 13.2
5.2 8.4 9.85.1 7.5 10.0
19.8 31.0 30.440.4 45.7 42.9
2.8 4.7 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
49The Little Data Book on Financial Inclusion 2018
Country data
Latin America &the Carib.
Upper middle income
Costa RicaPopulation, age 15+ (millions) 3.8 GNI per capita ($) 10,840
Latin America & Caribbean Upper middle income
67.8 54.4 73.164.6 51.4 71.650.4 39.3 57.0
67.8 53.5 72.864.6 51.2 71.550.4 39.3 57.0
.. 5.3 3.2
.. 1.7 0.8
60.9 51.3 69.358.0 41.9 62.461.2 43.3 61.663.5 52.6 72.9
59.2 45.1 62.349.2 37.7 44.417.9 14.0 22.616.1 12.6 17.820.6 15.9 17.927.5 14.9 37.517.7 11.1 30.634.8 27.6 38.1
8.5 9.0 10.88.5 9.3 11.0
16.1 8.9 14.56.0 4.8 6.47.9 3.9 5.3
23.0 12.2 26.924.2 13.4 31.5
7.6 7.5 5.957.8 37.2 46.416.6 11.8 19.1
21.2 20.8 22.420.4 24.8 22.114.8 15.2 26.135.6 37.6 44.48.2 5.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
50 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middle income
Côte d’IvoirePopulation, age 15+ (millions) 13.6 GNI per capita ($) 1,520
Sub-Saharan Africa Lower middle income
41.3 42.6 57.834.3 34.2 41.9
.. 23.2 28.9
14.8 32.8 56.115.1 28.8 40.6
.. 23.2 28.9
34.1 20.9 5.324.3 11.6 3.2
35.6 36.9 53.034.2 31.9 50.728.4 31.4 50.837.4 39.5 57.6
38.3 34.4 29.229.6 26.9 19.7
7.5 7.7 7.54.5 5.7 5.5
.. 7.3 8.37.1 7.6 6.8
33.3 20.8 8.3.. 7.5 10.0
2.3 5.5 21.63.4 7.1 22.0
26.5 22.7 10.118.1 11.0 4.78.5 9.4 8.8
6.4 14.9 15.98.9 15.8 14.4
20.7 25.3 13.049.0 54.4 39.7
9.6 10.3 13.2
2.7 8.4 9.82.7 7.5 10.0
25.1 31.0 30.439.2 45.7 42.9
2.7 4.7 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
51The Little Data Book on Financial Inclusion 2018
Country data
Europe & Central
Asia
Uppermiddle income
CroatiaPopulation, age 15+ (millions) 3.6 GNI per capita ($) 12,130
Europe and Central Asia Upper middle income
86.1 65.3 73.186.0 57.8 71.688.4 44.8 57.0
86.1 65.1 72.886.0 57.8 71.588.4 44.8 57.0
.. 3.2 3.2
.. 0.2 0.8
82.7 62.5 69.381.0 56.3 62.476.8 52.8 61.688.2 61.7 72.9
83.1 60.4 62.372.0 46.1 44.440.9 23.0 22.626.7 21.2 17.841.4 28.8 17.954.3 30.6 37.532.9 23.1 30.659.8 38.5 38.1
7.7 6.6 10.87.7 6.7 11.0
20.3 12.8 14.52.0 7.0 6.48.5 8.0 5.3
35.8 14.4 26.927.3 11.0 31.5
7.9 5.0 5.946.9 37.0 46.428.5 15.0 19.1
38.1 24.2 22.441.8 22.3 22.116.6 24.5 26.151.2 44.0 44.49.9 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
52 2018 The Little Data Book on Financial Inclusion
Country data
High income
CyprusPopulation, age 15+ (millions) 1.0 GNI per capita ($) 24,320
High income
88.7 93.790.2 92.885.2 88.3
88.7 93.790.2 92.885.2 88.3
.. ..
.. ..
90.0 92.983.8 90.085.0 89.987.3 93.7
80.1 90.566.6 86.434.9 59.725.7 38.939.5 34.339.0 67.632.5 51.849.5 80.1
7.2 3.87.2 3.8
.. ..
.. ..
.. ..
26.0 54.822.0 49.6
.. ..43.6 71.428.7 43.9
24.9 55.129.3 51.919.1 13.343.9 64.421.3 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
53The Little Data Book on Financial Inclusion 2018
Country data
High income
Czech RepublicPopulation, age 15+ (millions) 9.0 GNI per capita ($) 17,530
High income
81.0 93.782.2 92.880.7 88.3
81.0 93.782.2 92.880.7 88.3
.. ..
.. ..
78.6 92.970.6 90.058.7 89.978.9 93.7
79.6 90.578.2 86.455.9 59.737.1 38.935.3 34.366.1 67.652.5 51.866.5 80.1
1.0 3.81.0 3.8
11.6 ..0.7 ..
13.2 ..
45.3 54.837.6 49.65.7 ..
67.3 71.441.0 43.9
29.5 55.128.5 51.913.5 13.339.3 64.419.6 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
54 2018 The Little Data Book on Financial Inclusion
Country data
High income
DenmarkPopulation, age 15+ (millions) 4.8 GNI per capita ($) 57,020
High income
99.9 93.7100.0 92.8
99.7 88.3
99.9 93.7100.0 92.8
99.7 88.3
.. ..
.. ..
100.0 92.9100.0 90.099.8 89.9
100.0 93.7
99.4 90.599.1 86.475.9 59.740.0 38.957.3 34.388.1 67.683.0 51.893.8 80.1
2.0 3.82.0 3.8
.. ..
.. ..
.. ..
63.1 54.864.7 49.6
.. ..79.9 71.449.7 43.9
46.3 55.141.2 51.915.8 13.353.5 64.441.1 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
55The Little Data Book on Financial Inclusion 2018
Country data
Latin America &the Carib.
Upper middle income
Dominican RepublicPopulation, age 15+ (millions) 7.5 GNI per capita ($) 6,390
Latin America & Caribbean Upper middle income
56.2 54.4 73.154.1 51.4 71.638.2 39.3 57.0
54.8 53.5 72.854.0 51.2 71.538.2 39.3 57.0
3.9 5.3 3.22.3 1.7 0.8
54.1 51.3 69.342.1 41.9 62.437.9 43.3 61.651.6 52.6 72.9
44.4 45.1 62.332.3 37.7 44.48.3 14.0 22.6
10.7 12.6 17.815.2 15.9 17.912.8 14.9 37.5
8.4 11.1 30.622.8 27.6 38.1
8.6 9.0 10.88.7 9.3 11.0
15.4 8.9 14.512.8 4.8 6.411.5 3.9 5.3
19.5 12.2 26.926.5 13.4 31.519.1 7.5 5.951.9 37.2 46.413.2 11.8 19.1
30.3 20.8 22.424.0 24.8 22.119.3 15.2 26.151.1 37.6 44.48.6 5.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
56 2018 The Little Data Book on Financial Inclusion
Country data
Latin America &the Carib.
Upper middle income
EcuadorPopulation, age 15+ (millions) 11.7 GNI per capita ($) 5,800
Latin America & Caribbean Upper middle income
51.2 54.4 73.146.2 51.4 71.636.7 39.3 57.0
50.9 53.5 72.846.2 51.2 71.536.7 39.3 57.0
2.9 5.3 3.2.. 1.7 0.8
42.6 51.3 69.333.4 41.9 62.433.1 43.3 61.647.8 52.6 72.9
31.6 45.1 62.324.2 37.7 44.48.5 14.0 22.68.0 12.6 17.88.1 15.9 17.99.7 14.9 37.55.5 11.1 30.6
13.6 27.6 38.1
10.7 9.0 10.810.8 9.3 11.0
5.4 8.9 14.55.1 4.8 6.45.3 3.9 5.3
12.2 12.2 26.914.3 13.4 31.5
5.1 7.5 5.933.9 37.2 46.411.2 11.8 19.1
16.7 20.8 22.416.7 24.8 22.113.2 15.2 26.131.9 37.6 44.4
7.4 5.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
57The Little Data Book on Financial Inclusion 2018
Country data
Middle East &
North Africa
Lower middle income
Egypt, Arab Rep.Population, age 15+ (millions) 63.7 GNI per capita ($) 3,410
Middle East & North Africa Lower middle income
32.8 43.5 57.814.1 .. 41.9
9.7 32.9 28.9
32.1 43.0 56.113.7 .. 40.6
9.7 32.9 28.9
1.8 5.8 5.31.1 .. 3.2
27.0 35.0 53.020.3 35.3 50.728.5 35.0 50.829.3 36.9 57.6
22.8 33.3 29.27.9 .. 19.70.1 9.8 7.53.0 5.9 5.5
17.1 19.5 8.33.5 12.2 6.82.2 10.4 8.33.8 16.2 10.0
6.8 7.1 21.67.0 7.2 22.0
2.8 5.0 10.12.4 4.9 4.7
13.3 11.1 8.8
6.2 10.8 15.94.1 .. 14.4
16.2 8.0 13.030.6 31.3 39.74.2 8.1 13.2
8.8 9.6 9.87.7 .. 10.0
38.0 31.1 30.449.1 42.6 42.93.9 8.2 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
58 2018 The Little Data Book on Financial Inclusion
Country data
Latin America &the Carib.
Lower middle income
El SalvadorPopulation, age 15+ (millions) 4.6 GNI per capita ($) 3,920
Latin America & Caribbean Lower middle income
30.4 54.4 57.836.7 51.4 41.913.8 39.3 28.9
29.3 53.5 56.134.6 51.2 40.613.8 39.3 28.9
3.5 5.3 5.34.6 1.7 3.2
24.4 51.3 53.019.3 41.9 50.717.7 43.3 50.827.2 52.6 57.6
23.6 45.1 29.228.3 37.7 19.7
7.9 14.0 7.56.8 12.6 5.56.2 15.9 8.35.6 14.9 6.86.3 11.1 8.3
11.7 27.6 10.0
5.2 9.0 21.65.3 9.3 22.0
3.7 8.9 10.13.4 4.8 4.73.8 3.9 8.8
10.9 12.2 15.914.0 13.4 14.45.4 7.5 13.0
37.9 37.2 39.79.8 11.8 13.2
11.5 20.8 9.820.5 24.8 10.0
9.8 15.2 30.422.6 37.6 42.9
5.4 5.2 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
59The Little Data Book on Financial Inclusion 2018
Country data
High income
EstoniaPopulation, age 15+ (millions) 1.1 GNI per capita ($) 17,760
High income
98.0 93.797.7 92.896.8 88.3
98.0 93.797.7 92.896.8 88.3
.. ..
.. ..
98.4 92.996.2 90.097.4 89.998.2 93.7
96.8 90.595.4 86.472.3 59.747.6 38.952.6 34.374.8 67.669.5 51.885.5 80.1
2.4 3.82.4 3.8
22.0 ..1.0 ..5.6 ..
46.9 54.831.6 49.63.8 ..
67.3 71.435.0 43.9
31.8 55.132.4 51.9
9.0 13.339.7 64.425.0 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
60 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Low income
EthiopiaPopulation, age 15+ (millions) 60.3 GNI per capita ($) 660
Sub-Saharan Africa Low income
34.8 42.6 34.921.8 34.2 22.9
.. 23.2 13.4
34.8 32.8 24.521.8 28.8 16.9
.. 23.2 13.4
0.3 20.9 17.60.0 11.6 9.9
29.1 36.9 29.922.4 31.9 25.523.4 31.4 23.432.4 39.5 32.3
11.9 34.4 25.65.4 26.9 15.10.0 7.7 4.40.7 5.7 3.33.0 7.3 4.30.6 7.6 4.80.4 20.8 17.1
.. 7.5 ..
5.7 5.5 5.25.7 7.1 6.5
9.7 22.7 16.04.7 11.0 9.69.3 9.4 8.0
26.3 14.9 11.113.6 15.8 8.938.4 25.3 23.062.2 54.4 47.6
9.0 10.3 8.9
10.7 8.4 7.97.4 7.5 6.1
30.9 31.0 31.341.2 45.7 45.64.2 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
61The Little Data Book on Financial Inclusion 2018
Country data
High income
FinlandPopulation, age 15+ (millions) 4.6 GNI per capita ($) 45,050
High income
99.8 93.7100.0 92.8
99.7 88.3
99.8 93.7100.0 92.8
99.7 88.3
.. ..
.. ..
99.6 92.999.5 90.099.4 89.999.6 93.7
98.3 90.598.4 86.481.3 59.741.6 38.950.6 34.387.6 67.680.1 51.893.9 80.1
0.9 3.80.9 3.8
.. ..
.. ..
.. ..
54.5 54.857.0 49.6
.. ..72.3 71.439.0 43.9
54.2 55.158.0 51.913.0 13.361.4 64.435.5 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
62 2018 The Little Data Book on Financial Inclusion
Country data
High income
FrancePopulation, age 15+ (millions) 54.7 GNI per capita ($) 38,720
High income
94.0 93.796.6 92.897.0 88.3
94.0 93.796.6 92.897.0 88.3
.. ..
.. ..
91.3 92.993.5 90.089.2 89.994.4 93.7
92.2 90.592.0 86.468.1 59.743.3 38.930.7 34.367.4 67.649.1 51.885.1 80.1
4.3 3.84.3 3.8
.. ..
.. ..
.. ..
48.1 54.852.2 49.6
.. ..63.3 71.431.9 43.9
45.2 55.143.0 51.9
8.4 13.351.6 64.429.5 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
63The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Upper middle income
GabonPopulation, age 15+ (millions) 1.3 GNI per capita ($) 7,210
Sub-Saharan Africa Upper middle income
58.6 42.6 73.133.0 34.2 71.618.9 23.2 57.0
34.0 32.8 72.830.2 28.8 71.518.9 23.2 57.0
43.6 20.9 3.26.6 11.6 0.8
53.7 36.9 69.349.8 31.9 62.447.3 31.4 61.649.8 39.5 72.9
54.0 34.4 62.323.0 26.9 44.417.3 7.7 22.68.3 5.7 17.8
10.3 7.3 17.917.2 7.6 37.543.8 20.8 30.6
7.7 7.5 38.1
3.9 5.5 10.87.3 7.1 11.0
36.9 22.7 14.514.2 11.0 6.49.3 9.4 5.3
13.5 14.9 26.918.0 15.8 31.528.4 25.3 5.959.6 54.4 46.413.5 10.3 19.1
7.5 8.4 22.47.0 7.5 22.1
38.9 31.0 26.156.0 45.7 44.4
6.5 4.7 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
64 2018 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Lower middle income
GeorgiaPopulation, age 15+ (millions) 3.0 GNI per capita ($) 3,830
Europe & Central Asia Lower middle income
61.2 65.3 57.839.7 57.8 41.933.0 44.8 28.9
61.2 65.1 56.139.7 57.8 40.633.0 44.8 28.9
2.2 3.2 5.3.. 0.2 3.2
63.6 62.5 53.046.1 56.3 50.754.9 52.8 50.855.1 61.7 57.6
53.0 60.4 29.220.8 46.1 19.716.3 23.0 7.56.9 21.2 5.5
38.2 28.8 8.313.5 30.6 6.8
9.4 23.1 8.318.5 38.5 10.0
9.5 6.6 21.69.6 6.7 22.0
9.0 12.8 10.12.9 7.0 4.76.2 8.0 8.8
4.6 14.4 15.91.0 11.0 14.42.5 5.0 13.0
15.0 37.0 39.72.4 15.0 13.2
27.4 24.2 9.820.3 22.3 10.020.7 24.5 30.444.9 44.0 42.916.3 11.6 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
65The Little Data Book on Financial Inclusion 2018
Country data
High income
GermanyPopulation, age 15+ (millions) 71.8 GNI per capita ($) 43,940
High income
99.1 93.798.8 92.898.1 88.3
99.1 93.798.8 92.898.1 88.3
.. ..
.. ..
99.2 92.998.1 90.099.1 89.998.8 93.7
97.8 90.595.7 86.480.9 59.750.5 38.928.7 34.381.2 67.660.6 51.886.7 80.1
4.7 3.84.7 3.8
.. ..
.. ..
.. ..
55.4 54.857.9 49.6
.. ..75.7 71.454.6 43.9
54.6 55.145.8 51.9
8.4 13.364.1 64.421.1 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
66 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middle income
GhanaPopulation, age 15+ (millions) 17.3 GNI per capita ($) 1,380
Sub-Saharan Africa Lower middle income
57.7 42.6 57.840.5 34.2 41.929.4 23.2 28.9
42.3 32.8 56.134.6 28.8 40.629.4 23.2 28.9
38.9 20.9 5.313.0 11.6 3.2
53.7 36.9 53.048.3 31.9 50.748.4 31.4 50.852.5 39.5 57.6
49.5 34.4 29.225.1 26.9 19.78.6 7.7 7.59.0 5.7 5.5
10.8 7.3 8.37.8 7.6 6.8
35.5 20.8 8.36.3 7.5 10.0
6.7 5.5 21.611.3 7.1 22.0
32.2 22.7 10.117.8 11.0 4.75.6 9.4 8.8
16.2 14.9 15.918.6 15.8 14.419.0 25.3 13.050.2 54.4 39.715.1 10.3 13.2
11.6 8.4 9.88.3 7.5 10.0
22.8 31.0 30.440.3 45.7 42.9
7.5 4.7 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
67The Little Data Book on Financial Inclusion 2018
Country data
High income
GreecePopulation, age 15+ (millions) 9.2 GNI per capita ($) 19,050
High income
85.5 93.787.5 92.877.9 88.3
85.5 93.787.5 92.877.9 88.3
.. ..
.. ..
84.5 92.981.5 90.078.8 89.983.1 93.7
73.7 90.539.0 86.422.3 59.724.1 38.937.6 34.325.7 67.617.8 51.850.0 80.1
9.3 3.89.3 3.8
12.0 ..1.0 ..
10.0 ..
12.7 54.812.6 49.6
1.4 ..21.0 71.48.4 43.9
11.2 55.116.5 51.914.7 13.326.6 64.410.0 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
68 2018 The Little Data Book on Financial Inclusion
Country data
Latin America &the Carib.
Lower middle income
GuatemalaPopulation, age 15+ (millions) 10.7 GNI per capita ($) 3,790
Latin America & Caribbean Lower middle income
44.1 54.4 57.841.3 51.4 41.922.3 39.3 28.9
43.5 53.5 56.140.8 51.2 40.622.3 39.3 28.9
2.1 5.3 5.31.8 1.7 3.2
42.1 51.3 53.030.4 41.9 50.730.7 43.3 50.841.3 52.6 57.6
33.3 45.1 29.226.3 37.7 19.717.3 14.0 7.53.5 12.6 5.56.6 15.9 8.37.6 14.9 6.84.5 11.1 8.3
10.3 27.6 10.0
7.8 9.0 21.67.8 9.3 22.0
8.7 8.9 10.14.6 4.8 4.74.3 3.9 8.8
12.1 12.2 15.915.1 13.4 14.4
9.7 7.5 13.042.3 37.2 39.716.5 11.8 13.2
12.7 20.8 9.815.1 24.8 10.013.1 15.2 30.432.4 37.6 42.9
7.7 5.2 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
69The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
GuineaPopulation, age 15+ (millions) 7.1 GNI per capita ($) 670
Sub-Saharan Africa Low income
23.5 42.6 34.97.0 34.2 22.93.7 23.2 13.4
14.6 32.8 24.56.2 28.8 16.93.7 23.2 13.4
13.8 20.9 17.61.5 11.6 9.9
19.7 36.9 29.919.9 31.9 25.515.1 31.4 23.418.2 39.5 32.3
20.2 34.4 25.65.8 26.9 15.12.8 7.7 4.43.4 5.7 3.34.5 7.3 4.34.5 7.6 4.8
11.3 20.8 17.1.. 7.5 ..
4.0 5.5 5.25.0 7.1 6.5
9.6 22.7 16.018.5 11.0 9.6
7.3 9.4 8.0
6.5 14.9 11.12.9 15.8 8.9
19.6 25.3 23.039.1 54.4 47.6
7.4 10.3 8.9
5.8 8.4 7.92.6 7.5 6.1
24.1 31.0 31.339.6 45.7 45.63.4 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
70 2018 The Little Data Book on Financial Inclusion
Country data
Latin America &the Carib.
Low income
HaitiPopulation, age 15+ (millions) 7.2 GNI per capita ($) 780
Latin America & Caribbean Low income
32.6 54.4 34.918.9 51.4 22.922.0 39.3 13.4
28.2 53.5 24.517.5 51.2 16.922.0 39.3 13.4
13.5 5.3 17.63.8 1.7 9.9
30.0 51.3 29.917.9 41.9 25.521.3 43.3 23.430.5 52.6 32.3
27.5 45.1 25.610.4 37.7 15.15.2 14.0 4.4
.. 12.6 3.36.5 15.9 4.38.5 14.9 4.8
14.7 11.1 17.16.0 27.6 ..
7.7 9.0 5.29.6 9.3 6.5
14.7 8.9 16.014.3 4.8 9.66.6 3.9 8.0
12.2 12.2 11.19.4 13.4 8.9
22.9 7.5 23.044.1 37.2 47.6
9.7 11.8 8.9
12.9 20.8 7.95.9 24.8 6.1
21.3 15.2 31.339.7 37.6 45.611.0 5.2 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
71The Little Data Book on Financial Inclusion 2018
Country data
Latin America &the Carib.
Lower middle income
HondurasPopulation, age 15+ (millions) 6.2 GNI per capita ($) 2,150
Latin America & Caribbean Lower middle income
45.3 54.4 57.831.5 51.4 41.920.5 39.3 28.9
42.9 53.5 56.130.0 51.2 40.620.5 39.3 28.9
6.2 5.3 5.33.4 1.7 3.2
41.0 51.3 53.033.1 41.9 50.730.9 43.3 50.839.0 52.6 57.6
37.2 45.1 29.221.9 37.7 19.719.9 14.0 7.56.3 12.6 5.57.9 15.9 8.36.0 14.9 6.88.1 11.1 8.39.8 27.6 10.0
8.6 9.0 21.69.0 9.3 22.0
13.1 8.9 10.15.9 4.8 4.75.1 3.9 8.8
14.6 12.2 15.914.5 13.4 14.46.0 7.5 13.0
41.7 37.2 39.712.8 11.8 13.2
14.2 20.8 9.813.4 24.8 10.014.9 15.2 30.433.6 37.6 42.9
6.4 5.2 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
6.2 GNI per capita ($) 2,150Country data Latin America & Caribbean Lower middle income
72 2018 The Little Data Book on Financial Inclusion
Country data
High income
Hong Kong SAR, ChinaPopulation, age 15+ (millions) 6.5 GNI per capita ($) 42,940
High income
95.3 93.796.1 92.888.7 88.3
95.3 93.796.1 92.888.7 88.3
.. ..
.. ..
94.7 92.992.4 90.091.2 89.993.7 93.7
84.5 90.581.0 86.436.9 59.740.9 38.918.9 34.353.2 67.643.4 51.872.2 80.1
3.6 3.83.6 3.8
.. ..
.. ..
.. ..
50.9 54.850.0 49.6
.. ..60.8 71.436.8 43.9
62.1 55.160.0 51.9
7.0 13.366.4 64.411.7 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
73The Little Data Book on Financial Inclusion 2018
Country data
High income
HungaryPopulation, age 15+ (millions) 8.4 GNI per capita ($) 12,570
High income
74.9 93.772.3 92.872.7 88.3
74.9 93.772.3 92.872.7 88.3
.. ..
.. ..
72.2 92.967.7 90.056.5 89.968.8 93.7
71.5 90.563.7 86.426.5 59.733.4 38.923.7 34.338.3 67.628.5 51.855.2 80.1
2.6 3.82.6 3.8
4.2 ..1.6 ..5.2 ..
23.6 54.819.3 49.6
3.1 ..36.8 71.421.1 43.9
15.9 55.116.0 51.910.6 13.324.8 64.414.4 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
74 2018 The Little Data Book on Financial Inclusion
Country data
South Asia
Lower middle income
IndiaPopulation, age 15+ (millions) 950.8 GNI per capita ($) 1,670
South Asia Lower middle income
79.9 69.6 57.853.1 46.5 41.935.2 32.4 28.9
79.8 68.4 56.152.8 45.6 40.635.2 32.4 28.9
2.0 4.2 5.32.4 2.6 3.2
76.6 64.1 53.077.1 65.6 50.775.1 61.7 50.879.3 69.2 57.6
28.7 27.8 29.219.3 16.7 19.76.5 7.1 7.55.4 4.8 5.58.1 7.1 8.34.3 4.5 6.85.3 7.1 8.3
12.3 10.0 10.0
38.5 31.2 21.638.7 31.6 22.0
7.4 7.6 10.10.8 1.9 4.78.3 8.3 8.8
19.6 17.2 15.914.4 12.7 14.48.4 10.2 13.0
33.6 33.2 39.711.2 11.4 13.2
8.1 7.8 9.89.1 8.6 10.0
32.7 31.3 30.442.4 41.5 42.9
4.6 5.1 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
75The Little Data Book on Financial Inclusion 2018
Country data
EastAsia &Pacific
Lower middle income
IndonesiaPopulation, age 15+ (millions) 188.9 GNI per capita ($) 3,400
East Asia & Pacific Lower middle income
48.9 70.6 57.836.1 69.1 41.919.6 55.1 28.9
48.4 70.3 56.135.9 68.9 40.619.6 55.1 28.9
3.1 1.3 5.30.4 0.4 3.2
51.4 67.9 53.036.6 59.3 50.742.1 59.8 50.847.0 68.8 57.6
34.6 58.0 29.222.4 39.0 19.712.0 20.8 7.55.9 15.9 5.58.9 12.2 8.3
11.2 38.6 6.87.7 31.0 8.3
12.3 33.1 10.0
14.7 11.8 21.614.7 11.9 22.0
15.3 15.0 10.15.3 7.3 4.79.3 5.8 8.8
21.5 30.6 15.926.6 36.7 14.429.9 8.6 13.061.8 53.1 39.727.4 23.2 13.2
18.4 21.5 9.813.7 19.5 10.035.7 29.6 30.454.8 46.8 42.9
6.0 10.8 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
76 2018 The Little Data Book on Financial Inclusion
Country data
Middle East &
North Africa
Upper middle income
Iran, Islamic Rep.Population, age 15+ (millions) 61.3 GNI per capita ($) 5,470
Middle East & North Africa Upper middle income
94.0 43.5 73.192.3 .. 71.673.7 32.9 57.0
93.4 43.0 72.892.2 .. 71.573.7 32.9 57.0
26.3 5.8 3.24.5 .. 0.8
91.6 35.0 69.393.2 35.3 62.491.6 35.0 61.694.7 36.9 72.9
89.8 33.3 62.375.8 .. 44.442.9 9.8 22.615.3 5.9 17.861.0 19.5 17.946.5 12.2 37.545.5 10.4 30.664.8 16.2 38.1
8.8 7.1 10.89.5 7.2 11.0
.. 5.0 14.5
.. 4.9 6.4
.. 11.1 5.3
26.2 10.8 26.921.6 .. 31.5
.. 8.0 5.943.4 31.3 46.415.2 8.1 19.1
27.8 9.6 22.437.8 .. 22.150.9 31.1 26.168.2 42.6 44.426.7 8.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
77The Little Data Book on Financial Inclusion 2018
Country data
Middle East &
North Africa
Upper middle income
IraqPopulation, age 15+ (millions) 22.1 GNI per capita ($) 5,420
Middle East & North Africa Upper middle income
22.7 43.5 73.111.0 .. 71.610.6 32.9 57.0
20.3 43.0 72.811.0 .. 71.510.6 32.9 57.0
4.2 5.8 3.2.. .. 0.8
19.5 35.0 69.318.7 35.3 62.421.1 35.0 61.620.5 36.9 72.9
19.1 33.3 62.33.8 .. 44.45.4 9.8 22.61.7 5.9 17.89.3 19.5 17.9
13.5 12.2 37.56.0 10.4 30.6
.. 16.2 38.1
4.4 7.1 10.84.7 7.2 11.0
.. 5.0 14.5
.. 4.9 6.4
.. 11.1 5.3
1.6 10.8 26.93.5 .. 31.5
.. 8.0 5.931.0 31.3 46.4
7.4 8.1 19.1
3.1 9.6 22.45.0 .. 22.1
52.1 31.1 26.163.4 42.6 44.4
4.1 8.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
78 2018 The Little Data Book on Financial Inclusion
Country data
High income
IrelandPopulation, age 15+ (millions) 3.7 GNI per capita ($) 52,010
High income
95.3 93.794.7 92.893.9 88.3
95.3 93.794.7 92.893.9 88.3
.. ..
.. ..
95.3 92.992.9 90.092.8 89.995.0 93.7
93.5 90.587.4 86.468.0 59.729.4 38.944.8 34.369.1 67.642.0 51.881.8 80.1
3.3 3.83.3 3.8
.. ..
.. ..
.. ..
47.5 54.849.4 49.6
.. ..71.8 71.440.3 43.9
50.6 55.150.4 51.914.5 13.363.6 64.427.6 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
79The Little Data Book on Financial Inclusion 2018
Country data
High income
IsraelPopulation, age 15+ (millions) 6.2 GNI per capita ($) ..
High income
92.8 93.790.0 92.890.5 88.3
92.8 93.790.0 92.890.5 88.3
.. ..
.. ..
93.7 92.985.7 90.076.8 89.989.1 93.7
90.8 90.583.6 86.451.9 59.740.9 38.947.6 34.350.4 67.646.8 51.880.1 80.1
2.2 3.82.2 3.8
11.5 ..1.8 ..
16.9 ..
53.4 54.853.5 49.6
7.5 ..63.7 71.442.6 43.9
78.8 55.178.9 51.917.1 13.383.2 64.435.7 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
80 2018 The Little Data Book on Financial Inclusion
Country data
High income
ItalyPopulation, age 15+ (millions) 52.4 GNI per capita ($) 31,720
High income
93.8 93.787.3 92.871.0 88.3
93.8 93.787.3 92.871.0 88.3
.. ..
.. ..
91.6 92.990.6 90.090.0 89.995.0 93.7
89.7 90.572.9 86.451.6 59.734.8 38.922.3 34.365.2 67.622.2 51.878.2 80.1
3.0 3.83.0 3.8
.. ..
.. ..
.. ..
45.3 54.834.0 49.6
.. ..62.4 71.430.8 43.9
45.7 55.139.3 51.916.3 13.356.0 64.416.7 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
81The Little Data Book on Financial Inclusion 2018
Country data
High income
JapanPopulation, age 15+ (millions) 110.6 GNI per capita ($) 37,930
High income
98.2 93.796.6 92.896.4 88.3
98.2 93.796.6 92.896.4 88.3
.. ..
.. ..
98.1 92.997.5 90.096.6 89.997.3 93.7
95.3 90.588.7 86.464.5 59.747.3 38.943.4 34.348.1 67.633.3 51.868.7 80.1
4.1 3.84.1 3.8
.. ..
.. ..
.. ..
64.5 54.860.4 49.6
.. ..77.7 71.451.1 43.9
54.1 55.154.4 51.9
3.7 13.356.6 64.417.1 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
82 2018 The Little Data Book on Financial Inclusion
Country data
Middle East &
North Africa
Lower middle income
JordanPopulation, age 15+ (millions) 6.1 GNI per capita ($) 3,920
Middle East & North Africa Lower middle income
42.5 43.5 57.824.6 .. 41.925.5 32.9 28.9
42.1 43.0 56.124.6 .. 40.625.5 32.9 28.9
1.1 5.8 5.30.5 .. 3.2
26.6 35.0 53.032.9 35.3 50.731.2 35.0 50.846.1 36.9 57.6
32.5 33.3 29.213.0 .. 19.73.9 9.8 7.54.2 5.9 5.5
21.3 19.5 8.38.0 12.2 6.84.3 10.4 8.37.9 16.2 10.0
5.0 7.1 21.65.0 7.2 22.0
2.9 5.0 10.13.6 4.9 4.7
17.3 11.1 8.8
10.1 10.8 15.93.8 .. 14.4
19.2 8.0 13.045.2 31.3 39.711.3 8.1 13.2
17.8 9.6 9.814.5 .. 10.031.0 31.1 30.447.7 42.6 42.914.2 8.2 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
83The Little Data Book on Financial Inclusion 2018
Country data
Europe &Central
Asia
Upper middle income
KazakhstanPopulation, age 15+ (millions) 12.9 GNI per capita ($) 8,810
Europe & Central Asia Upper middle income
58.7 65.3 73.153.9 57.8 71.642.1 44.8 57.0
58.7 65.1 72.853.9 57.8 71.542.1 44.8 57.0
.. 3.2 3.2
.. 0.2 0.8
60.3 62.5 69.348.8 56.3 62.445.8 52.8 61.656.7 61.7 72.9
53.9 60.4 62.340.2 46.1 44.420.5 23.0 22.616.3 21.2 17.826.9 28.8 17.924.3 30.6 37.518.2 23.1 30.625.5 38.5 38.1
5.4 6.6 10.85.4 6.7 11.0
11.3 12.8 14.52.5 7.0 6.4
10.4 8.0 5.3
13.9 14.4 26.98.0 11.0 31.54.0 5.0 5.9
35.9 37.0 46.418.5 15.0 19.1
28.2 24.2 22.419.7 22.3 22.122.5 24.5 26.145.6 44.0 44.420.5 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
84 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middle income
KenyaPopulation, age 15+ (millions) 28.6 GNI per capita ($) 1,380
Sub-Saharan Africa Lower middle income
81.6 42.6 57.874.7 34.2 41.942.3 23.2 28.9
55.7 32.8 56.155.2 28.8 40.642.3 23.2 28.9
72.9 20.9 5.358.4 11.6 3.2
77.7 36.9 53.070.5 31.9 50.758.7 31.4 50.881.2 39.5 57.6
79.0 34.4 29.269.1 26.9 19.735.5 7.7 7.517.2 5.7 5.514.7 7.3 8.326.1 7.6 6.871.8 20.8 8.312.7 7.5 10.0
3.6 5.5 21.69.0 7.1 22.0
59.0 22.7 10.16.6 11.0 4.71.3 9.4 8.8
26.8 14.9 15.930.2 15.8 14.434.7 25.3 13.070.3 54.4 39.714.7 10.3 13.2
19.2 8.4 9.816.0 7.5 10.045.2 31.0 30.464.4 45.7 42.9
8.4 4.7 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
85The Little Data Book on Financial Inclusion 2018
Country data
High income
Korea, Rep.Population, age 15+ (millions) 44.3 GNI per capita ($) 27,600
High income
94.9 93.794.4 92.893.0 88.3
94.9 93.794.4 92.893.0 88.3
.. ..
.. ..
94.7 92.992.1 90.089.4 89.990.4 93.7
92.4 90.586.1 86.466.5 59.741.9 38.929.7 34.376.0 67.667.1 51.883.9 80.1
2.0 3.82.0 3.8
.. ..
.. ..
.. ..
55.3 54.852.7 49.6
.. ..68.8 71.441.8 43.9
63.2 55.156.9 51.912.0 13.372.6 64.426.1 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
86 2018 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Lower middle income
KosovoPopulation, age 15+ (millions) 1.3 GNI per capita ($) 3,850
Europe & Central Asia Lower middle income
52.3 65.3 57.847.8 57.8 41.944.3 44.8 28.9
52.3 65.1 56.147.8 57.8 40.644.3 44.8 28.9
.. 3.2 5.3
.. 0.2 3.2
43.7 62.5 53.044.3 56.3 50.744.0 52.8 50.850.2 61.7 57.6
38.6 60.4 29.228.4 46.1 19.7
7.6 23.0 7.56.4 21.2 5.5
19.9 28.8 8.315.1 30.6 6.85.3 23.1 8.3
16.5 38.5 10.0
8.5 6.6 21.68.5 6.7 22.0
5.9 12.8 10.14.3 7.0 4.7
22.9 8.0 8.8
8.7 14.4 15.97.2 11.0 14.43.7 5.0 13.0
39.3 37.0 39.711.8 15.0 13.2
14.7 24.2 9.816.8 22.3 10.025.3 24.5 30.444.2 44.0 42.9
8.4 11.6 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
87The Little Data Book on Financial Inclusion 2018
Country data
High income
KuwaitPopulation, age 15+ (millions) 3.2 GNI per capita ($) 34,890
High income
79.8 93.772.9 92.886.8 88.3
79.8 93.772.9 92.886.8 88.3
.. ..
.. ..
73.5 92.970.8 90.064.2 89.960.9 93.7
74.8 90.563.8 86.4
6.4 59.734.9 38.924.1 34.335.9 67.623.8 51.858.3 80.1
5.2 3.85.2 3.8
.. ..
.. ..
.. ..
26.6 54.825.5 49.6
.. ..47.1 71.415.9 43.9
28.5 55.130.3 51.921.0 13.346.1 64.414.6 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
88 2018 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Lower middle income
Kyrgyz RepublicPopulation, age 15+ (millions) 4.2 GNI per capita ($) 1,100
Europe & Central Asia Lower middle income
39.9 65.3 57.818.5 57.8 41.9
3.8 44.8 28.9
38.3 65.1 56.118.5 57.8 40.6
3.8 44.8 28.9
3.1 3.2 5.3.. 0.2 3.2
38.9 62.5 53.035.7 56.3 50.732.8 52.8 50.839.1 61.7 57.6
36.1 60.4 29.214.5 46.1 19.718.1 23.0 7.55.2 21.2 5.5
13.5 28.8 8.35.0 30.6 6.85.8 23.1 8.36.8 38.5 10.0
6.0 6.6 21.66.1 6.7 22.0
12.1 12.8 10.112.2 7.0 4.7
8.5 8.0 8.8
3.0 14.4 15.94.9 11.0 14.46.0 5.0 13.0
23.7 37.0 39.73.3 15.0 13.2
10.2 24.2 9.814.7 22.3 10.016.9 24.5 30.432.2 44.0 42.9
8.8 11.6 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
89The Little Data Book on Financial Inclusion 2018
Country data
East Asia & Pacific
Lower middle income
Lao PDRPopulation, age 15+ (millions) 4.5 GNI per capita ($) 2,150
East Asia & Pacific Lower middle income
29.1 70.6 57.8.. 69.1 41.9
26.8 55.1 28.9
29.1 70.3 56.1.. 68.9 40.6
26.8 55.1 28.9
.. 1.3 5.3
.. 0.4 3.2
31.9 67.9 53.017.4 59.3 50.720.7 59.8 50.822.4 68.8 57.6
13.3 58.0 29.2.. 39.0 19.7
0.6 20.8 7.52.6 15.9 5.5
.. 12.2 8.37.1 38.6 6.81.6 31.0 8.32.4 33.1 10.0
8.8 11.8 21.68.8 11.9 22.0
7.0 15.0 10.16.8 7.3 4.7
13.8 5.8 8.8
18.0 30.6 15.9.. 36.7 14.4
13.5 8.6 13.060.2 53.1 39.727.2 23.2 13.2
8.6 21.5 9.8.. 19.5 10.0
31.2 29.6 30.442.4 46.8 42.95.8 10.8 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
90 2018 The Little Data Book on Financial Inclusion
Country data
High income
LatviaPopulation, age 15+ (millions) 1.7 GNI per capita ($) 14,570
High income
93.2 93.790.2 92.889.7 88.3
93.2 93.790.2 92.889.7 88.3
.. ..
.. ..
92.5 92.988.5 90.085.2 89.992.2 93.7
90.9 90.583.9 86.457.6 59.732.6 38.964.3 34.360.7 67.655.5 51.873.6 80.1
3.7 3.83.7 3.8
17.5 ..2.1 ..
12.5 ..
27.5 54.825.3 49.6
6.8 ..53.8 71.421.1 43.9
19.0 55.128.8 51.920.8 13.337.3 64.4
7.4 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
91The Little Data Book on Financial Inclusion 2018
Country data
Middle East &
North Africa
Upper middle income
LebanonPopulation, age 15+ (millions) 4.6 GNI per capita ($) 7,980
Middle East & North Africa Upper middle income
44.8 43.5 73.146.9 .. 71.637.0 32.9 57.0
44.8 43.0 72.846.9 .. 71.537.0 32.9 57.0
.. 5.8 3.20.7 .. 0.8
32.9 35.0 69.329.9 35.3 62.420.8 35.0 61.644.4 36.9 72.9
33.1 33.3 62.331.9 .. 44.43.8 9.8 22.6
11.2 5.9 17.8.. 19.5 17.9
16.4 12.2 37.55.4 10.4 30.6
23.9 16.2 38.1
4.8 7.1 10.84.8 7.2 11.0
6.2 5.0 14.54.3 4.9 6.4
11.7 11.1 5.3
21.2 10.8 26.917.5 .. 31.510.3 8.0 5.951.8 31.3 46.414.1 8.1 19.1
22.6 9.6 22.420.8 .. 22.113.4 31.1 26.136.2 42.6 44.412.8 8.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
92 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middle income
LesothoPopulation, age 15+ (millions) 1.4 GNI per capita ($) 1,270
Sub-Saharan Africa Lower middle income
45.6 42.6 57.8.. 34.2 41.9
18.5 23.2 28.9
33.3 32.8 56.1.. 28.8 40.6
18.5 23.2 28.9
27.6 20.9 5.3.. 11.6 3.2
46.5 36.9 53.032.4 31.9 50.737.0 31.4 50.845.0 39.5 57.6
37.8 34.4 29.2.. 26.9 19.7
11.4 7.7 7.56.1 5.7 5.58.4 7.3 8.39.6 7.6 6.8
26.2 20.8 8.310.7 7.5 10.0
8.3 5.5 21.612.1 7.1 22.0
21.2 22.7 10.111.4 11.0 4.79.2 9.4 8.8
8.8 14.9 15.9.. 15.8 14.4
15.3 25.3 13.039.5 54.4 39.7
8.0 10.3 13.2
5.6 8.4 9.8.. 7.5 10.0
33.3 31.0 30.448.0 45.7 42.9
3.9 4.7 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
93The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
LiberiaPopulation, age 15+ (millions) 2.7 GNI per capita ($) 370
Sub-Saharan Africa Low income
35.7 42.6 34.9.. 34.2 22.9
18.8 23.2 13.4
21.6 32.8 24.5.. 28.8 16.9
18.8 23.2 13.4
20.8 20.9 17.6.. 11.6 9.9
28.2 36.9 29.926.6 31.9 25.528.1 31.4 23.432.9 39.5 32.3
27.6 34.4 25.6.. 26.9 15.1
2.5 7.7 4.42.6 5.7 3.3
.. 7.3 4.32.4 7.6 4.8
21.1 20.8 17.1.. 7.5 ..
5.1 5.5 5.26.0 7.1 6.5
16.7 22.7 16.012.3 11.0 9.623.8 9.4 8.0
10.9 14.9 11.1.. 15.8 8.9
42.9 25.3 23.068.1 54.4 47.610.8 10.3 8.9
8.1 8.4 7.9.. 7.5 6.1
35.9 31.0 31.355.6 45.7 45.6
6.1 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
94 2018 The Little Data Book on Financial Inclusion
Country data
Middle East &
North Africa
Upper middle income
LibyaPopulation, age 15+ (millions) 4.5 GNI per capita ($) 4,730
Middle East & North Africa Upper middle income
65.7 43.5 73.1.. .. 71.6.. 32.9 57.0
65.7 43.0 72.8.. .. 71.5.. 32.9 57.0
.. 5.8 3.2
.. .. 0.8
59.6 35.0 69.358.3 35.3 62.453.4 35.0 61.671.8 36.9 72.9
31.8 33.3 62.3.. .. 44.4
7.2 9.8 22.63.6 5.9 17.8
14.6 19.5 17.921.0 12.2 37.5
7.9 10.4 30.69.8 16.2 38.1
18.4 7.1 10.818.4 7.2 11.0
.. 5.0 14.5
.. 4.9 6.4
.. 11.1 5.3
17.1 10.8 26.9.. .. 31.5.. 8.0 5.9
61.3 31.3 46.412.6 8.1 19.1
8.4 9.6 22.4.. .. 22.1
44.2 31.1 26.158.0 42.6 44.4
4.9 8.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
95The Little Data Book on Financial Inclusion 2018
Country data
High income
LithuaniaPopulation, age 15+ (millions) 2.5 GNI per capita ($) 14,770
High income
82.9 93.777.9 92.873.8 88.3
82.9 93.777.9 92.873.8 88.3
.. ..
.. ..
81.0 92.977.9 90.063.6 89.984.8 93.7
77.6 90.565.6 86.433.2 59.740.4 38.932.9 34.355.9 67.643.3 51.849.3 80.1
5.2 3.85.2 3.8
20.1 ..2.0 ..
15.6 ..
34.0 54.828.3 49.6
7.6 ..63.5 71.433.4 43.9
20.7 55.114.8 51.921.9 13.345.8 64.412.7 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
96 2018 The Little Data Book on Financial Inclusion
Country data
High income
LuxembourgPopulation, age 15+ (millions) 0.5 GNI per capita ($) 71,590
High income
98.8 93.796.2 92.894.6 88.3
98.8 93.796.2 92.894.6 88.3
.. ..
.. ..
98.2 92.998.3 90.096.8 89.998.9 93.7
98.3 90.592.6 86.472.4 59.742.1 38.945.1 34.376.0 67.656.5 51.892.4 80.1
3.4 3.83.4 3.8
.. ..
.. ..
.. ..
61.6 54.859.9 49.6
.. ..76.9 71.444.4 43.9
72.2 55.168.4 51.9
8.0 13.379.3 64.438.1 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
97The Little Data Book on Financial Inclusion 2018
Country data
Europe &Central
Asia
Upper middle income
Macedonia, FYRPopulation, age 15+ (millions) 1.7 GNI per capita ($) 4,980
Europe & Central Asia Upper middle income
76.6 65.3 73.171.8 57.8 71.673.7 44.8 57.0
76.6 65.1 72.871.8 57.8 71.573.7 44.8 57.0
.. 3.2 3.2
.. 0.2 0.8
72.9 62.5 69.366.7 56.3 62.465.6 52.8 61.672.9 61.7 72.9
65.8 60.4 62.351.9 46.1 44.425.0 23.0 22.624.7 21.2 17.824.9 28.8 17.920.0 30.6 37.511.8 23.1 30.636.8 38.5 38.1
13.4 6.6 10.813.4 6.7 11.0
4.0 12.8 14.50.7 7.0 6.47.7 8.0 5.3
17.3 14.4 26.913.7 11.0 31.50.4 5.0 5.9
35.8 37.0 46.415.6 15.0 19.1
20.5 24.2 22.425.1 22.3 22.120.6 24.5 26.138.3 44.0 44.410.7 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
98 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Low income
MadagascarPopulation, age 15+ (millions) 14.6 GNI per capita ($) 400
Sub-Saharan Africa Low income
17.9 42.6 34.98.6 34.2 22.95.5 23.2 13.4
9.6 32.8 24.55.7 28.8 16.95.5 23.2 13.4
12.1 20.9 17.64.4 11.6 9.9
16.3 36.9 29.912.3 31.9 25.513.4 31.4 23.413.7 39.5 32.3
15.0 34.4 25.65.4 26.9 15.11.0 7.7 4.42.6 5.7 3.3
.. 7.3 4.31.7 7.6 4.8
10.7 20.8 17.1.. 7.5 ..
1.4 5.5 5.2.. 7.1 6.5
7.5 22.7 16.06.9 11.0 9.6
12.3 9.4 8.0
4.0 14.9 11.13.3 15.8 8.93.6 25.3 23.0
44.3 54.4 47.616.2 10.3 8.9
3.8 8.4 7.92.0 7.5 6.1
36.9 31.0 31.347.9 45.7 45.62.4 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
99The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
MalawiPopulation, age 15+ (millions) 10.1 GNI per capita ($) 320
Sub-Saharan Africa Low income
33.7 42.6 34.918.1 34.2 22.916.5 23.2 13.4
23.0 32.8 24.516.1 28.8 16.916.5 23.2 13.4
20.3 20.9 17.63.8 11.6 9.9
29.8 36.9 29.921.2 31.9 25.519.5 31.4 23.431.8 39.5 32.3
27.6 34.4 25.611.4 26.9 15.14.5 7.7 4.44.9 5.7 3.34.4 7.3 4.38.3 7.6 4.8
20.1 20.8 17.12.0 7.5 ..
4.4 5.5 5.25.9 7.1 6.5
15.1 22.7 16.08.9 11.0 9.63.3 9.4 8.0
8.7 14.9 11.17.1 15.8 8.9
31.0 25.3 23.051.8 54.4 47.64.0 10.3 8.9
8.6 8.4 7.96.9 7.5 6.1
25.3 31.0 31.352.0 45.7 45.6
5.6 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
100 2018 The Little Data Book on Financial Inclusion
Country data
EastAsia &Pacific
Upper middle income
MalaysiaPopulation, age 15+ (millions) 23.5 GNI per capita ($) 9,860
East Asia & Pacific Upper middle income
85.3 70.6 73.180.7 69.1 71.666.2 55.1 57.0
85.1 70.3 72.880.7 68.9 71.566.2 55.1 57.0
10.9 1.3 3.22.8 0.4 0.8
82.5 67.9 69.380.5 59.3 62.476.1 59.8 61.681.0 68.8 72.9
70.4 58.0 62.357.8 39.0 44.425.3 20.8 22.620.5 15.9 17.825.1 12.2 17.938.8 38.6 37.532.6 31.0 30.639.4 33.1 38.1
16.1 11.8 10.816.5 11.9 11.0
25.3 15.0 14.54.9 7.3 6.42.9 5.8 5.3
37.8 30.6 26.933.8 36.7 31.510.3 8.6 5.963.3 53.1 46.441.8 23.2 19.1
23.4 21.5 22.430.7 19.5 22.115.4 29.6 26.139.7 46.8 44.410.5 10.8 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
101The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
MaliPopulation, age 15+ (millions) 9.4 GNI per capita ($) 770
Sub-Saharan Africa Low income
35.4 42.6 34.920.1 34.2 22.98.2 23.2 13.4
18.2 32.8 24.513.3 28.8 16.98.2 23.2 13.4
24.4 20.9 17.611.6 11.6 9.9
25.7 36.9 29.931.3 31.9 25.522.9 31.4 23.430.7 39.5 32.3
31.0 34.4 25.615.2 26.9 15.1
4.2 7.7 4.43.1 5.7 3.35.8 7.3 4.35.7 7.6 4.8
23.5 20.8 17.14.7 7.5 ..
3.6 5.5 5.24.7 7.1 6.5
17.5 22.7 16.015.4 11.0 9.6
6.1 9.4 8.0
6.1 14.9 11.12.9 15.8 8.9
28.1 25.3 23.053.8 54.4 47.615.7 10.3 8.9
8.0 8.4 7.93.1 7.5 6.1
24.8 31.0 31.343.5 45.7 45.6
3.9 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
102 2018 The Little Data Book on Financial Inclusion
Country data
High income
MaltaPopulation, age 15+ (millions) 0.4 GNI per capita ($) 24,190
High income
97.4 93.796.3 92.895.3 88.3
97.4 93.796.3 92.895.3 88.3
.. ..
.. ..
97.0 92.994.7 90.096.0 89.997.1 93.7
88.8 90.574.5 86.431.5 59.730.9 38.946.8 34.353.1 67.643.1 51.872.3 80.1
7.3 3.87.3 3.8
.. ..
.. ..
.. ..
46.6 54.841.6 49.6
.. ..73.2 71.449.5 43.9
43.2 55.136.9 51.9
7.9 13.347.5 64.422.5 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
103The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Lower middle income
MauritaniaPopulation, age 15+ (millions) 2.6 GNI per capita ($) 1,130
Sub-Saharan Africa Lower middle income
20.9 42.6 57.822.9 34.2 41.917.5 23.2 28.9
19.0 32.8 56.120.4 28.8 40.617.5 23.2 28.9
4.0 20.9 5.36.5 11.6 3.2
15.5 36.9 53.012.8 31.9 50.712.4 31.4 50.815.0 39.5 57.6
15.7 34.4 29.217.3 26.9 19.72.1 7.7 7.54.0 5.7 5.55.3 7.3 8.33.8 7.6 6.82.7 20.8 8.34.3 7.5 10.0
3.3 5.5 21.64.3 7.1 22.0
7.1 22.7 10.126.5 11.0 4.711.1 9.4 8.8
9.1 14.9 15.910.6 15.8 14.416.9 25.3 13.041.7 54.4 39.710.1 10.3 13.2
9.2 8.4 9.89.1 7.5 10.0
30.9 31.0 30.444.2 45.7 42.9
5.5 4.7 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
104 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Upper middle income
MauritiusPopulation, age 15+ (millions) 1.0 GNI per capita ($) 9,770
Sub-Saharan Africa Upper middle income
89.8 42.6 73.182.2 34.2 71.680.1 23.2 57.0
89.5 32.8 72.882.2 28.8 71.580.1 23.2 57.0
5.6 20.9 3.20.9 11.6 0.8
87.1 36.9 69.386.3 31.9 62.480.6 31.4 61.689.5 39.5 72.9
68.5 34.4 62.347.5 26.9 44.411.7 7.7 22.622.2 5.7 17.830.0 7.3 17.916.4 7.6 37.515.2 20.8 30.648.3 7.5 38.1
12.2 5.5 10.812.6 7.1 11.0
.. 22.7 14.5
.. 11.0 6.4
.. 9.4 5.3
24.4 14.9 26.935.5 15.8 31.5
.. 25.3 5.960.2 54.4 46.432.1 10.3 19.1
22.9 8.4 22.425.2 7.5 22.114.3 31.0 26.137.5 45.7 44.412.9 4.7 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
105The Little Data Book on Financial Inclusion 2018
Country data
Latin America &the Carib.
Upper middle income
MexicoPopulation, age 15+ (millions) 93.0 GNI per capita ($) 9,040
Latin America & Caribbean Upper middle income
36.9 54.4 73.139.1 51.4 71.627.4 39.3 57.0
35.4 53.5 72.838.7 51.2 71.527.4 39.3 57.0
5.6 5.3 3.23.4 1.7 0.8
33.3 51.3 69.325.8 41.9 62.426.0 43.3 61.629.3 52.6 72.9
31.7 45.1 62.329.4 37.7 44.46.3 14.0 22.6
10.1 12.6 17.89.6 15.9 17.9
13.2 14.9 37.57.4 11.1 30.6
16.4 27.6 38.1
7.5 9.0 10.87.9 9.3 11.0
6.4 8.9 14.55.3 4.8 6.42.1 3.9 5.3
9.8 12.2 26.914.5 13.4 31.512.7 7.5 5.940.6 37.2 46.413.5 11.8 19.1
11.8 20.8 22.418.3 24.8 22.114.0 15.2 26.131.8 37.6 44.44.3 5.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
106 2018 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Lower middle income
MoldovaPopulation, age 15+ (millions) 3.0 GNI per capita ($) 2,120
Europe & Central Asia Lower middle income
43.8 65.3 57.817.8 57.8 41.918.1 44.8 28.9
43.8 65.1 56.117.8 57.8 40.618.1 44.8 28.9
.. 3.2 5.3
.. 0.2 3.2
44.6 62.5 53.031.5 56.3 50.7
.. 52.8 50.841.9 61.7 57.6
40.4 60.4 29.214.9 46.1 19.712.4 23.0 7.518.5 21.2 5.515.3 28.8 8.337.1 30.6 6.810.0 23.1 8.322.4 38.5 10.0
5.5 6.6 21.65.5 6.7 22.0
7.1 12.8 10.15.8 7.0 4.7
11.8 8.0 8.8
8.8 14.4 15.96.8 11.0 14.4
18.9 5.0 13.054.6 37.0 39.716.6 15.0 13.2
20.3 24.2 9.810.1 22.3 10.038.2 24.5 30.454.2 44.0 42.9
9.2 11.6 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
107The Little Data Book on Financial Inclusion 2018
Country data
EastAsia &Pacific
Lower middle income
MongoliaPopulation, age 15+ (millions) 2.1 GNI per capita ($) 3,590
East Asia & Pacific Lower middle income
93.0 70.6 57.891.8 69.1 41.977.7 55.1 28.9
93.0 70.3 56.191.8 68.9 40.677.7 55.1 28.9
21.9 1.3 5.35.0 0.4 3.2
95.0 67.9 53.090.6 59.3 50.788.6 59.8 50.893.9 68.8 57.6
85.3 58.0 29.262.8 39.0 19.748.3 20.8 7.526.9 15.9 5.527.0 12.2 8.317.1 38.6 6.838.4 31.0 8.360.8 33.1 10.0
8.0 11.8 21.68.4 11.9 22.0
38.2 15.0 10.13.6 7.3 4.77.3 5.8 8.8
19.3 30.6 15.933.2 36.7 14.4
2.7 8.6 13.031.3 53.1 39.79.3 23.2 13.2
30.4 21.5 9.836.2 19.5 10.027.0 29.6 30.450.5 46.8 42.915.6 10.8 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
108 2018 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Upper middle income
MontenegroPopulation, age 15+ (millions) 0.5 GNI per capita ($) 7,120
Europe & Central Asia Upper middle income
68.4 65.3 73.159.8 57.8 71.650.4 44.8 57.0
68.4 65.1 72.859.8 57.8 71.550.4 44.8 57.0
.. 3.2 3.2
.. 0.2 0.8
67.6 62.5 69.360.3 56.3 62.458.4 52.8 61.668.4 61.7 72.9
59.8 60.4 62.340.0 46.1 44.423.5 23.0 22.618.9 21.2 17.829.4 28.8 17.915.4 30.6 37.510.2 23.1 30.631.0 38.5 38.1
8.1 6.6 10.88.1 6.7 11.0
15.1 12.8 14.52.5 7.0 6.4
10.7 8.0 5.3
10.1 14.4 26.95.3 11.0 31.51.6 5.0 5.9
29.1 37.0 46.49.8 15.0 19.1
23.7 24.2 22.429.5 22.3 22.123.4 24.5 26.145.2 44.0 44.413.4 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
109The Little Data Book on Financial Inclusion 2018
Country data
Middle East &
North Africa
Lower middle income
MoroccoPopulation, age 15+ (millions) 25.6 GNI per capita ($) 2,880
Middle East & North Africa Lower middle income
28.6 43.5 57.8.. .. 41.9.. 32.9 28.9
28.4 43.0 56.1.. .. 40.6.. 32.9 28.9
0.6 5.8 5.3.. .. 3.2
16.8 35.0 53.019.3 35.3 50.718.2 35.0 50.820.0 36.9 57.6
16.7 33.3 29.2.. .. 19.7
1.1 9.8 7.54.3 5.9 5.5
.. 19.5 8.32.0 12.2 6.81.5 10.4 8.35.2 16.2 10.0
5.4 7.1 21.65.4 7.2 22.0
5.7 5.0 10.17.2 4.9 4.77.6 11.1 8.8
6.3 10.8 15.9.. .. 14.4
4.4 8.0 13.021.4 31.3 39.74.9 8.1 13.2
2.6 9.6 9.8.. .. 10.0
18.0 31.1 30.426.5 42.6 42.9
2.8 8.2 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
110 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Low income
MozambiquePopulation, age 15+ (millions) 15.9 GNI per capita ($) 480
Sub-Saharan Africa Low income
41.7 42.6 34.9.. 34.2 22.9.. 23.2 13.4
33.0 32.8 24.5.. 28.8 16.9.. 23.2 13.4
21.9 20.9 17.6.. 11.6 9.9
32.9 36.9 29.926.8 31.9 25.529.0 31.4 23.438.6 39.5 32.3
34.1 34.4 25.6.. 26.9 15.1
11.2 7.7 4.45.4 5.7 3.37.8 7.3 4.39.5 7.6 4.8
22.1 20.8 17.113.0 7.5 ..
8.1 5.5 5.210.1 7.1 6.5
19.3 22.7 16.08.4 11.0 9.66.6 9.4 8.0
10.8 14.9 11.1.. 15.8 8.9
19.3 25.3 23.042.9 54.4 47.66.8 10.3 8.9
11.0 8.4 7.9.. 7.5 6.1
29.8 31.0 31.350.2 45.7 45.6
8.0 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
111The Little Data Book on Financial Inclusion 2018
Country data
EastAsia &Pacific
Lower middle income
MyanmarPopulation, age 15+ (millions) 38.4 GNI per capita ($) 1,190
East Asia & Pacific Lower middle income
26.0 70.6 57.822.8 69.1 41.9
.. 55.1 28.9
25.6 70.3 56.122.6 68.9 40.6
.. 55.1 28.9
0.7 1.3 5.30.2 0.4 3.2
26.0 67.9 53.022.5 59.3 50.726.1 59.8 50.825.0 68.8 57.6
7.7 58.0 29.23.9 39.0 19.70.4 20.8 7.51.4 15.9 5.5
.. 12.2 8.33.6 38.6 6.81.1 31.0 8.3
.. 33.1 10.0
10.0 11.8 21.610.1 11.9 22.0
3.8 15.0 10.16.1 7.3 4.74.6 5.8 8.8
8.1 30.6 15.912.8 36.7 14.4
8.4 8.6 13.036.2 53.1 39.712.8 23.2 13.2
19.1 21.5 9.815.5 19.5 10.022.2 29.6 30.443.9 46.8 42.9
2.0 10.8 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
112 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Upper middle income
NamibiaPopulation, age 15+ (millions) 1.6 GNI per capita ($) 4,640
Sub-Saharan Africa Upper middle income
80.6 42.6 73.158.8 34.2 71.6
.. 23.2 57.0
77.3 32.8 72.858.1 28.8 71.5
.. 23.2 57.0
43.4 20.9 3.210.4 11.6 0.8
80.7 36.9 69.370.4 31.9 62.473.7 31.4 61.678.2 39.5 72.9
71.4 34.4 62.343.9 26.9 44.420.6 7.7 22.617.4 5.7 17.826.9 7.3 17.918.3 7.6 37.546.2 20.8 30.637.6 7.5 38.1
8.8 5.5 10.810.7 7.1 11.0
51.3 22.7 14.510.0 11.0 6.4
9.0 9.4 5.3
34.4 14.9 26.926.7 15.8 31.512.1 25.3 5.962.7 54.4 46.413.9 10.3 19.1
16.9 8.4 22.411.8 7.5 22.148.0 31.0 26.163.3 45.7 44.4
9.4 4.7 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
113The Little Data Book on Financial Inclusion 2018
Country data
SouthAsia
Low income
NepalPopulation, age 15+ (millions) 19.8 GNI per capita ($) 730
South Asia Low income
45.4 69.6 34.933.8 46.5 22.925.3 32.4 13.4
45.4 68.4 24.533.8 45.6 16.925.3 32.4 13.4
.. 4.2 17.60.3 2.6 9.9
41.6 64.1 29.937.9 65.6 25.545.2 61.7 23.443.0 69.2 32.3
16.3 27.8 25.69.4 16.7 15.11.8 7.1 4.42.3 4.8 3.35.1 7.1 4.32.2 4.5 4.84.0 7.1 17.1
.. 10.0 ..
14.5 31.2 5.214.5 31.6 6.5
7.3 7.6 16.07.1 1.9 9.6
11.1 8.3 8.0
17.1 17.2 11.116.4 12.7 8.923.7 10.2 23.046.3 33.2 47.612.4 11.4 8.9
13.6 7.8 7.912.0 8.6 6.152.6 31.3 31.366.1 41.5 45.613.9 5.1 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
114 2018 The Little Data Book on Financial Inclusion
Country data
High income
NetherlandsPopulation, age 15+ (millions) 14.2 GNI per capita ($) 46,610
High income
99.6 93.799.3 92.898.7 88.3
99.6 93.799.3 92.898.7 88.3
.. ..
.. ..
99.8 92.999.8 90.099.3 89.999.7 93.7
97.7 90.597.8 86.467.2 59.749.4 38.941.2 34.384.9 67.675.8 51.893.7 80.1
3.7 3.83.7 3.8
.. ..
.. ..
.. ..
59.3 54.858.9 49.6
.. ..78.5 71.442.8 43.9
37.4 55.134.8 51.910.2 13.345.4 64.446.4 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
115The Little Data Book on Financial Inclusion 2018
Country data
High income
New ZealandPopulation, age 15+ (millions) 3.8 GNI per capita ($) 38,740
High income
99.2 93.799.5 92.899.4 88.3
99.2 93.799.5 92.899.4 88.3
.. ..
.. ..
99.3 92.999.0 90.098.1 89.998.7 93.7
97.3 90.597.6 86.464.7 59.744.3 38.950.2 34.380.2 67.673.6 51.894.6 80.1
1.8 3.81.8 3.8
.. ..
.. ..
.. ..
69.4 54.870.6 49.6
.. ..86.3 71.460.0 43.9
66.5 55.168.9 51.917.3 13.378.5 64.432.5 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
116 2018 The Little Data Book on Financial Inclusion
Country data
Latin America &the Carib.
Lower middle income
NicaraguaPopulation, age 15+ (millions) 4.3 GNI per capita ($) 2,100
Latin America & Caribbean Lower middle income
30.9 54.4 57.819.4 51.4 41.914.2 39.3 28.9
28.4 53.5 56.118.9 51.2 40.614.2 39.3 28.9
3.9 5.3 5.31.1 1.7 3.2
24.8 51.3 53.019.9 41.9 50.720.9 43.3 50.833.8 52.6 57.6
24.6 45.1 29.213.4 37.7 19.7
7.2 14.0 7.55.9 12.6 5.57.1 15.9 8.36.7 14.9 6.84.5 11.1 8.38.6 27.6 10.0
5.8 9.0 21.65.8 9.3 22.0
6.1 8.9 10.18.7 4.8 4.75.0 3.9 8.8
8.1 12.2 15.98.1 13.4 14.46.8 7.5 13.0
44.8 37.2 39.714.1 11.8 13.2
13.4 20.8 9.815.5 24.8 10.010.2 15.2 30.429.7 37.6 42.94.8 5.2 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
117The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
NigerPopulation, age 15+ (millions) 10.3 GNI per capita ($) ..
Sub-Saharan Africa Low income
15.5 42.6 34.96.7 34.2 22.91.5 23.2 13.4
9.5 32.8 24.53.5 28.8 16.91.5 23.2 13.4
8.7 20.9 17.63.9 11.6 9.9
10.9 36.9 29.910.5 31.9 25.56.3 31.4 23.4
13.8 39.5 32.3
13.0 34.4 25.65.4 26.9 15.11.6 7.7 4.4
.. 5.7 3.3
.. 7.3 4.34.0 7.6 4.87.5 20.8 17.1
.. 7.5 ..
2.2 5.5 5.2.. 7.1 6.5
6.5 22.7 16.09.7 11.0 9.66.8 9.4 8.0
1.9 14.9 11.12.0 15.8 8.9
11.9 25.3 23.025.0 54.4 47.64.2 10.3 8.9
3.8 8.4 7.92.2 7.5 6.1
37.6 31.0 31.352.1 45.7 45.6
1.1 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
118 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middle income
NigeriaPopulation, age 15+ (millions) 104.0 GNI per capita ($) 2,450
Sub-Saharan Africa Lower middle income
39.7 42.6 57.844.4 34.2 41.929.7 23.2 28.9
39.4 32.8 56.144.2 28.8 40.629.7 23.2 28.9
5.6 20.9 5.32.3 11.6 3.2
27.3 36.9 53.024.5 31.9 50.730.2 31.4 50.833.3 39.5 57.6
29.7 34.4 29.236.9 26.9 19.7
5.7 7.7 7.54.2 5.7 5.5
.. 7.3 8.36.3 7.6 6.87.7 20.8 8.39.9 7.5 10.0
6.2 5.5 21.66.3 7.1 22.0
23.5 22.7 10.18.2 11.0 4.7
18.6 9.4 8.8
20.6 14.9 15.927.1 15.8 14.425.4 25.3 13.062.0 54.4 39.712.5 10.3 13.2
5.3 8.4 9.87.0 7.5 10.0
28.3 31.0 30.439.6 45.7 42.9
2.6 4.7 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
119The Little Data Book on Financial Inclusion 2018
Country data
High income
NorwayPopulation, age 15+ (millions) 4.3 GNI per capita ($) 82,390
High income
99.7 93.7100.0 92.8
.. 88.3
99.7 93.7100.0 92.8
.. 88.3
.. ..
.. ..
100.0 92.999.4 90.099.2 89.999.6 93.7
99.1 90.598.4 86.476.6 59.744.0 38.966.3 34.389.5 67.685.1 51.895.7 80.1
0.9 3.80.9 3.8
.. ..
.. ..
.. ..
79.3 54.878.4 49.6
.. ..90.2 71.461.4 43.9
69.5 55.162.5 51.917.1 13.377.7 64.454.3 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
120 2018 The Little Data Book on Financial Inclusion
Country data
South Asia
Lower middle income
PakistanPopulation, age 15+ (millions) 125.8 GNI per capita ($) 1,500
South Asia Lower middle income
21.3 69.6 57.813.0 46.5 41.910.3 32.4 28.9
18.0 68.4 56.18.7 45.6 40.6
10.3 32.4 28.9
6.9 4.2 5.35.8 2.6 3.2
7.0 64.1 53.014.2 65.6 50.712.7 61.7 50.818.8 69.2 57.6
17.7 27.8 29.27.8 16.7 19.78.4 7.1 7.52.3 4.8 5.5
.. 7.1 8.38.0 4.5 6.87.6 7.1 8.3
.. 10.0 10.0
2.7 31.2 21.63.3 31.6 22.0
5.1 7.6 10.12.8 1.9 4.79.0 8.3 8.8
6.1 17.2 15.93.3 12.7 14.4
21.1 10.2 13.035.1 33.2 39.714.5 11.4 13.2
2.6 7.8 9.81.6 8.6 10.0
28.6 31.3 30.437.4 41.5 42.91.1 5.1 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
121The Little Data Book on Financial Inclusion 2018
Country data
Latin America &the Carib.
Upper middle income
PanamaPopulation, age 15+ (millions) 2.9 GNI per capita ($) 12,140
Latin America & Caribbean Upper middle income
46.5 54.4 73.143.7 51.4 71.624.9 39.3 57.0
45.8 53.5 72.843.4 51.2 71.524.9 39.3 57.0
3.5 5.3 3.21.6 1.7 0.8
42.3 51.3 69.332.9 41.9 62.439.3 43.3 61.639.3 52.6 72.9
35.0 45.1 62.331.0 37.7 44.48.3 14.0 22.68.3 12.6 17.8
10.9 15.9 17.99.3 14.9 37.56.3 11.1 30.6
17.2 27.6 38.1
9.0 9.0 10.89.1 9.3 11.0
10.4 8.9 14.510.4 4.8 6.4
7.2 3.9 5.3
14.5 12.2 26.920.4 13.4 31.513.0 7.5 5.948.4 37.2 46.414.6 11.8 19.1
13.3 20.8 22.417.5 24.8 22.110.4 15.2 26.130.8 37.6 44.4
9.2 5.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
122 2018 The Little Data Book on Financial Inclusion
Country data
Latin America &the Carib.
Upper middle income
ParaguayPopulation, age 15+ (millions) 4.7 GNI per capita ($) 4,060
Latin America & Caribbean Upper middle income
48.6 54.4 73.1.. 51.4 71.6
21.7 39.3 57.0
31.1 53.5 72.8.. 51.2 71.5
21.7 39.3 57.0
28.9 5.3 3.2.. 1.7 0.8
46.0 51.3 69.338.3 41.9 62.443.6 43.3 61.647.8 52.6 72.9
44.6 45.1 62.3.. 37.7 44.4
9.2 14.0 22.66.0 12.6 17.8
12.3 15.9 17.95.7 14.9 37.5
28.4 11.1 30.69.2 27.6 38.1
3.0 9.0 10.84.6 9.3 11.0
19.5 8.9 14.57.8 4.8 6.44.3 3.9 5.3
6.3 12.2 26.9.. 13.4 31.5
2.0 7.5 5.927.1 37.2 46.48.2 11.8 19.1
15.4 20.8 22.4.. 24.8 22.1
19.1 15.2 26.135.7 37.6 44.4
7.1 5.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
123The Little Data Book on Financial Inclusion 2018
Country data
Latin America &the Carib.
Upper middle income
PeruPopulation, age 15+ (millions) 23.0 GNI per capita ($) 5,950
Latin America & Caribbean Upper middle income
42.6 54.4 73.129.0 51.4 71.620.5 39.3 57.0
42.2 53.5 72.829.0 51.2 71.520.5 39.3 57.0
2.6 5.3 3.20.0 1.7 0.8
34.4 51.3 69.327.0 41.9 62.425.3 43.3 61.641.4 52.6 72.9
33.9 45.1 62.322.0 37.7 44.4
9.3 14.0 22.68.0 12.6 17.8
12.0 15.9 17.97.0 14.9 37.55.3 11.1 30.6
14.5 27.6 38.1
7.4 9.0 10.87.5 9.3 11.0
11.4 8.9 14.56.1 4.8 6.45.5 3.9 5.3
8.2 12.2 26.912.3 13.4 31.58.3 7.5 5.9
40.1 37.2 46.414.7 11.8 19.1
19.1 20.8 22.418.0 24.8 22.116.0 15.2 26.136.5 37.6 44.4
6.2 5.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
124 2018 The Little Data Book on Financial Inclusion
Country data
EastAsia &Pacific
Lower middle income
PhilippinesPopulation, age 15+ (millions) 70.3 GNI per capita ($) 3,580
East Asia & Pacific Lower middle income
34.5 70.6 57.831.3 69.1 41.926.6 55.1 28.9
31.8 70.3 56.128.1 68.9 40.626.6 55.1 28.9
4.5 1.3 5.34.2 0.4 3.2
38.9 67.9 53.018.0 59.3 50.727.2 59.8 50.827.4 68.8 57.6
25.1 58.0 29.219.5 39.0 19.72.3 20.8 7.56.6 15.9 5.5
10.0 12.2 8.39.9 38.6 6.87.0 31.0 8.35.1 33.1 10.0
4.6 11.8 21.64.8 11.9 22.0
10.3 15.0 10.125.7 7.3 4.79.0 5.8 8.8
11.9 30.6 15.914.8 36.7 14.48.0 8.6 13.0
58.7 53.1 39.726.3 23.2 13.2
10.7 21.5 9.812.9 19.5 10.041.2 29.6 30.458.6 46.8 42.9
4.2 10.8 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
125The Little Data Book on Financial Inclusion 2018
Country data
High income
PolandPopulation, age 15+ (millions) 32.3 GNI per capita ($) 12,680
High income
86.7 93.777.9 92.870.2 88.3
86.7 93.777.9 92.870.2 88.3
.. ..
.. ..
88.0 92.984.2 90.067.1 89.986.6 93.7
81.9 90.562.5 86.450.1 59.747.5 38.919.6 34.364.6 67.652.4 51.873.7 80.1
2.4 3.82.4 3.8
17.4 ..1.9 ..4.3 ..
32.6 54.820.8 49.6
3.9 ..51.9 71.420.1 43.9
30.5 55.126.8 51.925.1 13.350.4 64.415.4 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
126 2018 The Little Data Book on Financial Inclusion
Country data
High income
PortugalPopulation, age 15+ (millions) 8.9 GNI per capita ($) 19,880
High income
92.3 93.787.4 92.881.2 88.3
92.3 93.787.4 92.881.2 88.3
.. ..
.. ..
90.6 92.987.5 90.087.7 89.993.3 93.7
86.3 90.572.9 86.455.6 59.731.5 38.931.4 34.335.2 67.628.0 51.873.6 80.1
6.6 3.86.6 3.8
.. ..
.. ..
.. ..
31.6 54.824.9 49.6
.. ..54.8 71.432.5 43.9
28.9 55.125.9 51.915.4 13.341.3 64.424.2 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
127The Little Data Book on Financial Inclusion 2018
Country data
Europe &Central
Asia
Upper middle income
RomaniaPopulation, age 15+ (millions) 16.7 GNI per capita ($) 9,480
Europe & Central Asia Upper middle income
57.8 65.3 73.160.8 57.8 71.644.6 44.8 57.0
57.6 65.1 72.860.8 57.8 71.544.6 44.8 57.0
3.0 3.2 3.20.5 0.2 0.8
53.6 62.5 69.337.8 56.3 62.447.8 52.8 61.653.9 61.7 72.9
47.2 60.4 62.340.7 46.1 44.48.8 23.0 22.6
14.2 21.2 17.825.0 28.8 17.919.2 30.6 37.512.3 23.1 30.625.9 38.5 38.1
7.3 6.6 10.87.3 6.7 11.0
9.2 12.8 14.54.6 7.0 6.48.8 8.0 5.3
13.6 14.4 26.913.3 11.0 31.5
5.4 5.0 5.933.5 37.0 46.419.1 15.0 19.1
19.9 24.2 22.418.7 22.3 22.120.7 24.5 26.139.5 44.0 44.416.1 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
128 2018 The Little Data Book on Financial Inclusion
Country data
Europe & Central
Asia
Upper middle income
Russian FederationPopulation, age 15+ (millions) 119.4 GNI per capita ($) 9,720
Europe & Central Asia Upper middle income
75.8 65.3 73.167.4 57.8 71.648.2 44.8 57.0
75.8 65.1 72.867.4 57.8 71.548.2 44.8 57.0
.. 3.2 3.2
.. 0.2 0.8
76.1 62.5 69.370.2 56.3 62.466.6 52.8 61.675.7 61.7 72.9
70.5 60.4 62.353.4 46.1 44.427.9 23.0 22.625.7 21.2 17.833.4 28.8 17.939.6 30.6 37.533.2 23.1 30.645.6 38.5 38.1
7.5 6.6 10.87.5 6.7 11.0
17.7 12.8 14.512.1 7.0 6.45.0 8.0 5.3
13.5 14.4 26.915.5 11.0 31.5
1.7 5.0 5.936.2 37.0 46.414.4 15.0 19.1
23.0 24.2 22.421.9 22.3 22.122.7 24.5 26.141.3 44.0 44.415.0 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
129The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
RwandaPopulation, age 15+ (millions) 7.1 GNI per capita ($) 700
Sub-Saharan Africa Low income
50.0 42.6 34.942.1 34.2 22.932.8 23.2 13.4
36.7 32.8 24.538.1 28.8 16.932.8 23.2 13.4
31.1 20.9 17.618.1 11.6 9.9
45.0 36.9 29.938.7 31.9 25.542.5 31.4 23.448.8 39.5 32.3
38.9 34.4 25.627.4 26.9 15.17.2 7.7 4.49.1 5.7 3.37.0 7.3 4.34.6 7.6 4.8
28.8 20.8 17.1.. 7.5 ..
6.2 5.5 5.29.8 7.1 6.5
24.2 22.7 16.010.7 11.0 9.610.2 9.4 8.0
18.9 14.9 11.125.5 15.8 8.946.1 25.3 23.063.8 54.4 47.610.7 10.3 8.9
8.1 8.4 7.98.4 7.5 6.1
42.9 31.0 31.365.7 45.7 45.66.6 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
130 2018 The Little Data Book on Financial Inclusion
Country data
High income
Saudi ArabiaPopulation, age 15+ (millions) 24.0 GNI per capita ($) 21,720
High income
71.7 93.769.4 92.846.4 88.3
71.7 93.769.4 92.846.4 88.3
.. ..
.. ..
58.2 92.964.6 90.049.6 89.978.8 93.7
61.2 90.549.1 86.432.4 59.719.2 38.915.4 34.338.5 67.625.7 51.848.2 80.1
9.6 3.89.6 3.8
.. ..
.. ..
.. ..
14.3 54.815.5 49.6
.. ..44.2 71.412.8 43.9
21.1 55.117.4 51.933.5 13.354.3 64.415.2 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
131The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
SenegalPopulation, age 15+ (millions) 8.8 GNI per capita ($) 950
Sub-Saharan Africa Low income
42.3 42.6 34.915.4 34.2 22.95.8 23.2 13.4
20.4 32.8 24.511.9 28.8 16.95.8 23.2 13.4
31.8 20.9 17.66.2 11.6 9.9
38.4 36.9 29.934.5 31.9 25.529.8 31.4 23.438.8 39.5 32.3
39.5 34.4 25.611.7 26.9 15.17.4 7.7 4.43.8 5.7 3.37.0 7.3 4.3
10.4 7.6 4.829.4 20.8 17.1
5.1 7.5 ..
4.7 5.5 5.26.7 7.1 6.5
23.9 22.7 16.017.5 11.0 9.64.3 9.4 8.0
7.3 14.9 11.16.6 15.8 8.9
23.8 25.3 23.045.1 54.4 47.6
7.2 10.3 8.9
7.8 8.4 7.94.0 7.5 6.1
29.9 31.0 31.345.0 45.7 45.6
4.3 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
132 2018 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Upper middle income
SerbiaPopulation, age 15+ (millions) 5.9 GNI per capita ($) 5,310
Europe & Central Asia Upper middle income
71.4 65.3 73.183.1 57.8 71.662.2 44.8 57.0
71.4 65.1 72.883.1 57.8 71.562.2 44.8 57.0
.. 3.2 3.2
.. 0.2 0.8
70.1 62.5 69.364.5 56.3 62.458.8 52.8 61.667.5 61.7 72.9
66.1 60.4 62.360.5 46.1 44.425.6 23.0 22.620.6 21.2 17.834.9 28.8 17.923.3 30.6 37.512.1 23.1 30.639.4 38.5 38.1
4.0 6.6 10.84.0 6.7 11.0
7.8 12.8 14.53.1 7.0 6.4
10.2 8.0 5.3
12.0 14.4 26.98.7 11.0 31.53.4 5.0 5.9
30.1 37.0 46.418.0 15.0 19.1
19.7 24.2 22.419.7 22.3 22.123.6 24.5 26.140.5 44.0 44.4
8.9 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
133The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
Sierra LeonePopulation, age 15+ (millions) 4.3 GNI per capita ($) 490
Sub-Saharan Africa Low income
19.8 42.6 34.915.6 34.2 22.915.3 23.2 13.4
12.4 32.8 24.514.1 28.8 16.915.3 23.2 13.4
11.0 20.9 17.64.5 11.6 9.9
15.4 36.9 29.912.9 31.9 25.520.0 31.4 23.414.4 39.5 32.3
15.6 34.4 25.612.7 26.9 15.13.1 7.7 4.4
.. 5.7 3.3
.. 7.3 4.34.1 7.6 4.89.8 20.8 17.1
.. 7.5 ..
3.6 5.5 5.24.5 7.1 6.5
10.0 22.7 16.07.7 11.0 9.6
14.5 9.4 8.0
5.2 14.9 11.110.9 15.8 8.933.6 25.3 23.054.2 54.4 47.6
8.8 10.3 8.9
5.2 8.4 7.94.1 7.5 6.1
29.1 31.0 31.349.0 45.7 45.6
5.0 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
134 2018 The Little Data Book on Financial Inclusion
Country data
High income
SingaporePopulation, age 15+ (millions) 4.8 GNI per capita ($) 51,880
High income
97.9 93.796.4 92.898.2 88.3
97.8 93.796.4 92.898.2 88.3
9.5 ..6.1 ..
96.3 92.996.4 90.095.4 89.9
100.0 93.7
90.1 90.587.0 86.444.5 59.744.1 38.931.7 34.356.6 67.648.7 51.877.0 80.1
4.2 3.84.2 3.8
13.0 ..1.3 ..8.5 ..
66.9 54.846.2 49.6
2.1 ..76.9 71.450.6 43.9
46.9 55.137.8 51.93.7 13.3
50.4 64.420.5 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
135The Little Data Book on Financial Inclusion 2018
Country data
High income
Slovak RepublicPopulation, age 15+ (millions) 4.6 GNI per capita ($) 16,800
High income
84.2 93.777.2 92.879.6 88.3
84.2 93.777.2 92.879.6 88.3
.. ..
.. ..
83.1 92.977.9 90.065.4 89.983.9 93.7
81.5 90.572.3 86.449.1 59.735.0 38.940.8 34.356.8 67.642.8 51.867.8 80.1
2.1 3.82.1 3.8
15.4 ..1.0 ..
11.0 ..
49.9 54.844.0 49.6
4.3 ..64.7 71.442.1 43.9
29.6 55.126.0 51.913.1 13.339.8 64.426.8 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
136 2018 The Little Data Book on Financial Inclusion
Country data
High income
SloveniaPopulation, age 15+ (millions) 1.8 GNI per capita ($) 21,620
High income
97.5 93.797.2 92.897.1 88.3
97.5 93.797.2 92.897.1 88.3
.. ..
.. ..
96.9 92.995.5 90.094.0 89.997.1 93.7
95.7 90.586.0 86.458.4 59.737.7 38.949.2 34.354.5 67.644.1 51.881.9 80.1
7.9 3.87.9 3.8
.. ..
.. ..
.. ..
31.2 54.832.5 49.6
.. ..67.4 71.441.1 43.9
40.2 55.134.9 51.912.2 13.348.1 64.416.8 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
137The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Upper middle income
South AfricaPopulation, age 15+ (millions) 39.6 GNI per capita ($) 5,480
Sub-Saharan Africa Upper middle income
69.2 42.6 73.170.3 34.2 71.653.6 23.2 57.0
67.4 32.8 72.868.8 28.8 71.553.6 23.2 57.0
19.0 20.9 3.214.4 11.6 0.8
70.0 36.9 69.362.6 31.9 62.459.1 31.4 61.668.7 39.5 72.9
60.1 34.4 62.358.8 26.9 44.413.5 7.7 22.615.3 5.7 17.827.8 7.3 17.914.1 7.6 37.520.6 20.8 30.625.3 7.5 38.1
12.2 5.5 10.813.3 7.1 11.0
28.3 22.7 14.516.1 11.0 6.48.0 9.4 5.3
22.1 14.9 26.932.7 15.8 31.529.5 25.3 5.959.3 54.4 46.410.4 10.3 19.1
13.5 8.4 22.418.9 7.5 22.137.4 31.0 26.153.1 45.7 44.4
5.7 4.7 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
138 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Low income
South SudanPopulation, age 15+ (millions) 7.1 GNI per capita ($) 820
Sub-Saharan Africa Low income
8.6 42.6 34.9.. 34.2 22.9.. 23.2 13.4
8.6 32.8 24.5.. 28.8 16.9.. 23.2 13.4
.. 20.9 17.6
.. 11.6 9.9
4.7 36.9 29.93.9 31.9 25.55.2 31.4 23.48.1 39.5 32.3
7.3 34.4 25.6.. 26.9 15.1
0.7 7.7 4.4.. 5.7 3.3.. 7.3 4.3
3.6 7.6 4.80.5 20.8 17.1
.. 7.5 ..
.. 5.5 5.2
.. 7.1 6.5
4.0 22.7 16.015.5 11.0 9.63.9 9.4 8.0
3.7 14.9 11.1.. 15.8 8.9
13.9 25.3 23.033.7 54.4 47.613.1 10.3 8.9
3.4 8.4 7.9.. 7.5 6.1
24.5 31.0 31.338.5 45.7 45.6
4.5 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
139The Little Data Book on Financial Inclusion 2018
Country data
High income
SpainPopulation, age 15+ (millions) 39.6 GNI per capita ($) 27,580
High income
93.8 93.797.6 92.893.3 88.3
93.8 93.797.6 92.893.3 88.3
.. ..
.. ..
91.6 92.993.1 90.083.9 89.994.5 93.7
90.5 90.593.3 86.461.1 59.730.3 38.930.9 34.365.4 67.630.3 51.880.8 80.1
5.6 3.85.6 3.8
.. ..
.. ..
.. ..
50.8 54.848.1 49.6
.. ..68.3 71.426.4 43.9
50.2 55.150.6 51.916.8 13.359.6 64.435.8 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
140 2018 The Little Data Book on Financial Inclusion
Country data
SouthAsia
Lower middle income
Sri LankaPopulation, age 15+ (millions) 16.1 GNI per capita ($) 3,850
South Asia Lower middle income
73.6 69.6 57.882.7 46.5 41.968.5 32.4 28.9
73.6 68.4 56.182.7 45.6 40.668.5 32.4 28.9
2.4 4.2 5.30.1 2.6 3.2
73.4 64.1 53.070.6 65.6 50.765.6 61.7 50.872.8 69.2 57.6
47.2 27.8 29.220.8 16.7 19.721.2 7.1 7.54.9 4.8 5.5
13.0 7.1 8.36.2 4.5 6.87.7 7.1 8.3
16.6 10.0 10.0
25.4 31.2 21.625.7 31.6 22.0
6.9 7.6 10.13.0 1.9 4.75.3 8.3 8.8
28.8 17.2 15.930.9 12.7 14.412.4 10.2 13.042.9 33.2 39.718.9 11.4 13.2
17.4 7.8 9.819.7 8.6 10.015.9 31.3 30.434.6 41.5 42.911.0 5.1 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
141The Little Data Book on Financial Inclusion 2018
Country data
High income
SwedenPopulation, age 15+ (millions) 8.2 GNI per capita ($) 54,480
High income
99.7 93.799.7 92.899.0 88.3
99.7 93.799.7 92.899.0 88.3
.. ..
.. ..
100.0 92.999.7 90.099.6 89.999.6 93.7
98.3 90.599.2 86.467.3 59.741.6 38.963.3 34.384.4 67.679.3 51.893.6 80.1
0.7 3.80.7 3.8
.. ..
.. ..
.. ..
75.4 54.875.1 49.6
.. ..83.1 71.457.0 43.9
43.7 55.149.6 51.913.6 13.354.2 64.448.3 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
142 2018 The Little Data Book on Financial Inclusion
Country data
High income
SwitzerlandPopulation, age 15+ (millions) 7.1 GNI per capita ($) 81,240
High income
98.4 93.798.0 92.8
.. 88.3
98.4 93.798.0 92.8
.. 88.3
.. ..
.. ..
98.9 92.997.4 90.097.2 89.998.4 93.7
96.5 90.590.8 86.467.9 59.735.7 38.936.9 34.372.5 67.656.0 51.888.7 80.1
4.7 3.84.7 3.8
.. ..
.. ..
.. ..
59.5 54.855.4 49.6
.. ..81.6 71.461.4 43.9
62.4 55.151.7 51.95.0 13.3
66.9 64.429.8 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
143The Little Data Book on Financial Inclusion 2018
Country data
High income
Taiwan, ChinaPopulation, age 15+ (millions) 20.3 GNI per capita ($) ..
High income
94.2 93.791.4 92.887.3 88.3
94.2 93.791.4 92.887.3 88.3
.. ..
.. ..
93.7 92.991.1 90.090.2 89.992.8 93.7
77.1 90.578.0 86.430.6 59.733.7 38.920.8 34.345.9 67.632.6 51.856.5 80.1
9.4 3.89.4 3.8
.. ..
.. ..
.. ..
66.9 54.839.3 49.6
.. ..73.8 71.440.3 43.9
52.1 55.155.5 51.9
8.4 13.358.6 64.416.0 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
144 2018 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Lower middle income
TajikistanPopulation, age 15+ (millions) 5.7 GNI per capita ($) 1,110
Europe & Central Asia Lower middle income
47.0 65.3 57.811.5 57.8 41.92.5 44.8 28.9
47.0 65.1 56.111.5 57.8 40.62.5 44.8 28.9
.. 3.2 5.30.0 0.2 3.2
42.1 62.5 53.038.5 56.3 50.737.3 52.8 50.846.3 61.7 57.6
43.9 60.4 29.28.3 46.1 19.7
21.7 23.0 7.56.3 21.2 5.5
22.7 28.8 8.312.8 30.6 6.88.3 23.1 8.3
10.8 38.5 10.0
9.4 6.6 21.69.4 6.7 22.0
11.7 12.8 10.17.8 7.0 4.7
10.2 8.0 8.8
11.3 14.4 15.91.5 11.0 14.48.8 5.0 13.0
32.8 37.0 39.711.2 15.0 13.2
15.5 24.2 9.84.2 22.3 10.0
21.6 24.5 30.433.7 44.0 42.912.6 11.6 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
145The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
TanzaniaPopulation, age 15+ (millions) 30.5 GNI per capita ($) 900
Sub-Saharan Africa Low income
46.8 42.6 34.939.8 34.2 22.917.3 23.2 13.4
21.0 32.8 24.519.0 28.8 16.917.3 23.2 13.4
38.5 20.9 17.632.4 11.6 9.9
42.2 36.9 29.937.3 31.9 25.531.0 31.4 23.445.4 39.5 32.3
43.0 34.4 25.635.2 26.9 15.113.1 7.7 4.43.3 5.7 3.3
.. 7.3 4.311.6 7.6 4.836.5 20.8 17.1
4.4 7.5 ..
4.2 5.5 5.27.2 7.1 6.5
29.0 22.7 16.013.8 11.0 9.6
3.0 9.4 8.0
6.1 14.9 11.19.0 15.8 8.9
18.1 25.3 23.048.4 54.4 47.6
5.8 10.3 8.9
5.3 8.4 7.96.7 7.5 6.1
27.3 31.0 31.341.2 45.7 45.64.5 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
146 2018 The Little Data Book on Financial Inclusion
Country data
EastAsia &Pacific
Upper middle income
ThailandPopulation, age 15+ (millions) 56.7 GNI per capita ($) 5,640
East Asia & Pacific Upper middle income
81.6 70.6 73.178.1 69.1 71.672.7 55.1 57.0
81.0 70.3 72.878.1 68.9 71.572.7 55.1 57.0
8.3 1.3 3.21.3 0.4 0.8
79.8 67.9 69.377.5 59.3 62.473.9 59.8 61.680.7 68.8 72.9
62.3 58.0 62.333.2 39.0 44.410.5 20.8 22.612.0 15.9 17.827.9 12.2 17.918.7 38.6 37.517.4 31.0 30.621.3 33.1 38.1
16.4 11.8 10.816.4 11.9 11.0
36.8 15.0 14.57.8 7.3 6.48.8 5.8 5.3
38.8 30.6 26.940.6 36.7 31.517.3 8.6 5.961.8 53.1 46.444.8 23.2 19.1
20.4 21.5 22.417.9 19.5 22.129.4 29.6 26.147.5 46.8 44.411.0 10.8 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
147The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
TogoPopulation, age 15+ (millions) 4.4 GNI per capita ($) 540
Sub-Saharan Africa Low income
45.3 42.6 34.918.3 34.2 22.910.2 23.2 13.4
34.1 32.8 24.517.6 28.8 16.910.2 23.2 13.4
21.5 20.9 17.61.4 11.6 9.9
37.6 36.9 29.934.7 31.9 25.535.3 31.4 23.445.0 39.5 32.3
31.3 34.4 25.66.9 26.9 15.15.6 7.7 4.43.6 5.7 3.36.5 7.3 4.36.6 7.6 4.8
20.7 20.8 17.15.3 7.5 ..
10.8 5.5 5.212.1 7.1 6.5
17.3 22.7 16.013.6 11.0 9.68.0 9.4 8.0
11.8 14.9 11.16.7 15.8 8.9
23.1 25.3 23.045.2 54.4 47.6
8.4 10.3 8.9
9.1 8.4 7.94.0 7.5 6.1
22.0 31.0 31.340.3 45.7 45.6
4.9 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
148 2018 The Little Data Book on Financial Inclusion
Country data
High income
Trinidad and TobagoPopulation, age 15+ (millions) 1.1 GNI per capita ($) 16,240
High income
80.8 93.7.. 92.8
75.9 88.3
80.8 93.7.. 92.8
75.9 88.3
.. ..
.. ..
73.6 92.977.1 90.072.7 89.980.1 93.7
64.1 90.5.. 86.4
17.2 59.716.8 38.927.9 34.320.1 67.613.0 51.840.9 80.1
15.1 3.815.1 3.8
7.2 ..4.1 ..
13.4 ..
36.2 54.8.. 49.6
20.6 ..70.7 71.437.9 43.9
27.5 55.1.. 51.9
19.9 13.346.6 64.413.5 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
149The Little Data Book on Financial Inclusion 2018
Country data
Middle East &
North Africa
Lower middle income
TunisiaPopulation, age 15+ (millions) 8.7 GNI per capita ($) 3,690
Middle East & North Africa Lower middle income
36.9 43.5 57.827.4 .. 41.9
.. 32.9 28.9
36.8 43.0 56.127.3 .. 40.6
.. 32.9 28.9
2.0 5.8 5.30.6 .. 3.2
28.4 35.0 53.021.0 35.3 50.721.5 35.0 50.828.1 36.9 57.6
29.4 33.3 29.217.0 .. 19.73.6 9.8 7.56.3 5.9 5.5
12.3 19.5 8.36.6 12.2 6.84.1 10.4 8.3
13.1 16.2 10.0
4.3 7.1 21.64.9 7.2 22.0
11.4 5.0 10.15.5 4.9 4.7
13.7 11.1 8.8
18.3 10.8 15.910.3 .. 14.4
3.1 8.0 13.039.4 31.3 39.713.6 8.1 13.2
11.7 9.6 9.812.0 .. 10.031.7 31.1 30.445.1 42.6 42.98.0 8.2 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
150 2018 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Upper middle income
TurkeyPopulation, age 15+ (millions) 59.4 GNI per capita ($) 11,230
Europe & Central Asia Upper middle income
68.6 65.3 73.156.7 57.8 71.657.6 44.8 57.0
67.7 65.1 72.856.5 57.8 71.557.6 44.8 57.0
16.4 3.2 3.20.8 0.2 0.8
54.3 62.5 69.356.4 56.3 62.443.9 52.8 61.665.4 61.7 72.9
63.8 60.4 62.348.3 46.1 44.426.3 23.0 22.626.9 21.2 17.822.1 28.8 17.936.2 30.6 37.528.0 23.1 30.647.6 38.5 38.1
8.3 6.6 10.88.8 6.7 11.0
16.6 12.8 14.55.1 7.0 6.46.6 8.0 5.3
22.9 14.4 26.99.1 11.0 31.5
10.9 5.0 5.939.1 37.0 46.420.0 15.0 19.1
42.8 24.2 22.435.9 22.3 22.128.4 24.5 26.159.2 44.0 44.411.0 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
151The Little Data Book on Financial Inclusion 2018
Country data
Europe &Central
Asia
Upper middle income
TurkmenistanPopulation, age 15+ (millions) 3.9 GNI per capita ($) 6,670
Europe & Central Asia Upper middle income
40.6 65.3 73.1.. 57.8 71.6
0.4 44.8 57.0
40.6 65.1 72.8.. 57.8 71.5
0.4 44.8 57.0
.. 3.2 3.2
.. 0.2 0.8
35.5 62.5 69.339.7 56.3 62.410.2 52.8 61.638.1 61.7 72.9
34.3 60.4 62.3.. 46.1 44.4
0.0 23.0 22.67.5 21.2 17.8
23.9 28.8 17.92.0 30.6 37.52.2 23.1 30.65.6 38.5 38.1
6.2 6.6 10.86.2 6.7 11.0
4.2 12.8 14.513.0 7.0 6.412.7 8.0 5.3
4.8 14.4 26.9.. 11.0 31.5
4.2 5.0 5.951.0 37.0 46.418.8 15.0 19.1
6.8 24.2 22.4.. 22.3 22.1
21.1 24.5 26.136.9 44.0 44.4
8.0 11.6 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
152 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Low income
UgandaPopulation, age 15+ (millions) 21.6 GNI per capita ($) 630
Sub-Saharan Africa Low income
59.2 42.6 34.944.4 34.2 22.920.5 23.2 13.4
32.8 32.8 24.527.8 28.8 16.920.5 23.2 13.4
50.6 20.9 17.635.1 11.6 9.9
52.7 36.9 29.947.3 31.9 25.544.2 31.4 23.458.2 39.5 32.3
54.7 34.4 25.640.5 26.9 15.110.4 7.7 4.4
7.9 5.7 3.37.3 7.3 4.39.5 7.6 4.8
47.2 20.8 17.15.4 7.5 ..
3.8 5.5 5.29.6 7.1 6.5
38.1 22.7 16.010.9 11.0 9.66.3 9.4 8.0
12.7 14.9 11.116.8 15.8 8.937.5 25.3 23.068.6 54.4 47.614.0 10.3 8.9
14.7 8.4 7.916.1 7.5 6.146.5 31.0 31.366.1 45.7 45.613.0 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
153The Little Data Book on Financial Inclusion 2018
Country data
Europe &Central
Asia
Lower middle income
UkrainePopulation, age 15+ (millions) 38.1 GNI per capita ($) 2,310
Europe & Central Asia Lower middle income
62.9 65.3 57.852.7 57.8 41.941.3 44.8 28.9
62.9 65.1 56.152.7 57.8 40.641.3 44.8 28.9
.. 3.2 5.3
.. 0.2 3.2
61.3 62.5 53.053.3 56.3 50.754.8 52.8 50.855.5 61.7 57.6
60.7 60.4 29.244.1 46.1 19.720.0 23.0 7.520.7 21.2 5.534.3 28.8 8.329.5 30.6 6.818.1 23.1 8.339.1 38.5 10.0
4.9 6.6 21.64.9 6.7 22.0
8.1 12.8 10.12.8 7.0 4.7
10.1 8.0 8.8
12.9 14.4 15.97.8 11.0 14.42.2 5.0 13.0
39.6 37.0 39.711.2 15.0 13.2
21.8 24.2 9.821.7 22.3 10.030.8 24.5 30.446.9 44.0 42.9
4.6 11.6 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
154 2018 The Little Data Book on Financial Inclusion
Country data
High income
United Arab EmiratesPopulation, age 15+ (millions) 8.0 GNI per capita ($) 40,480
High income
88.2 93.783.7 92.859.7 88.3
87.4 93.783.2 92.859.7 88.3
21.3 ..11.5 ..
76.4 92.983.0 90.056.7 89.980.2 93.7
84.0 90.576.1 86.429.3 59.751.6 38.916.1 34.359.7 67.646.6 51.870.8 80.1
6.3 3.87.0 3.8
.. ..
.. ..
.. ..
28.7 54.832.1 49.6
.. ..56.8 71.424.0 43.9
46.1 55.139.4 51.925.7 13.363.9 64.418.0 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
155The Little Data Book on Financial Inclusion 2018
Country data
High income
United KingdomPopulation, age 15+ (millions) 54.1 GNI per capita ($) 42,360
High income
96.4 93.798.9 92.897.2 88.3
96.4 93.798.9 92.897.2 88.3
.. ..
.. ..
96.1 92.994.5 90.094.1 89.995.8 93.7
95.6 90.597.0 86.473.7 59.744.9 38.940.1 34.380.7 67.646.7 51.889.2 80.1
2.7 3.82.7 3.8
.. ..
.. ..
.. ..
63.7 54.852.3 49.6
.. ..74.0 71.442.6 43.9
64.7 55.162.4 51.914.0 13.374.6 64.426.7 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
156 2018 The Little Data Book on Financial Inclusion
Country data
High income
United StatesPopulation, age 15+ (millions) 261.6 GNI per capita ($) 56,810
High income
93.1 93.793.6 92.888.0 88.3
93.1 93.793.6 92.888.0 88.3
.. ..
.. ..
92.7 92.985.2 90.094.0 89.992.6 93.7
91.1 90.591.2 86.458.2 59.734.0 38.934.8 34.377.2 67.667.3 51.885.9 80.1
2.9 3.82.9 3.8
.. ..
.. ..
.. ..
62.2 54.854.1 49.6
.. ..79.3 71.454.0 43.9
68.4 55.164.6 51.915.2 13.377.4 64.434.0 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
157The Little Data Book on Financial Inclusion 2018
Country data
High income
UruguayPopulation, age 15+ (millions) 2.7 GNI per capita ($) 15,230
High income
63.9 93.745.6 92.823.5 88.3
63.9 93.745.4 92.823.5 88.3
.. ..1.2 ..
60.6 92.948.6 90.055.1 89.957.0 93.7
59.3 90.537.5 86.419.7 59.718.5 38.922.2 34.330.9 67.615.8 51.850.6 80.1
5.1 3.85.1 3.8
10.5 ..6.7 ..5.9 ..
11.8 54.812.5 49.6
3.0 ..37.3 71.411.7 43.9
43.4 55.144.5 51.912.3 13.353.7 64.46.9 26.6
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
158 2018 The Little Data Book on Financial Inclusion
Country data
Europe &Central
Asia
Lower middle income
UzbekistanPopulation, age 15+ (millions) 22.9 GNI per capita ($) 2,220
Europe & Central Asia Lower middle income
37.1 65.3 57.840.7 57.8 41.922.5 44.8 28.9
37.1 65.1 56.140.7 57.8 40.622.5 44.8 28.9
.. 3.2 5.3
.. 0.2 3.2
36.0 62.5 53.029.7 56.3 50.734.3 52.8 50.834.4 61.7 57.6
34.2 60.4 29.237.8 46.1 19.719.2 23.0 7.5
3.0 21.2 5.522.8 28.8 8.3
7.1 30.6 6.86.7 23.1 8.3
25.0 38.5 10.0
3.3 6.6 21.63.3 6.7 22.0
1.2 12.8 10.11.8 7.0 4.78.2 8.0 8.8
2.3 14.4 15.91.8 11.0 14.4
12.8 5.0 13.038.5 37.0 39.7
9.3 15.0 13.2
2.4 24.2 9.82.2 22.3 10.0
12.9 24.5 30.420.0 44.0 42.9
1.3 11.6 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
159The Little Data Book on Financial Inclusion 2018
Country data
Latin America &the Carib.
Upper middle income
Venezuela, RBPopulation, age 15+ (millions) 22.8 GNI per capita ($) 11,760
Latin America & Caribbean Upper middle income
73.5 54.4 73.157.0 51.4 71.644.1 39.3 57.0
73.2 53.5 72.856.9 51.2 71.544.1 39.3 57.0
11.0 5.3 3.23.0 1.7 0.8
70.0 51.3 69.360.2 41.9 62.457.6 43.3 61.673.2 52.6 72.9
68.8 45.1 62.349.1 37.7 44.414.0 14.0 22.619.7 12.6 17.820.6 15.9 17.928.8 14.9 37.529.7 11.1 30.661.3 27.6 38.1
5.1 9.0 10.85.2 9.3 11.0
19.7 8.9 14.53.5 4.8 6.43.3 3.9 5.3
19.4 12.2 26.922.8 13.4 31.512.6 7.5 5.941.5 37.2 46.48.8 11.8 19.1
27.7 20.8 22.420.0 24.8 22.117.7 15.2 26.144.3 37.6 44.4
2.6 5.2 11.1
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
160 2018 The Little Data Book on Financial Inclusion
Country data
EastAsia &Pacific
Lower middle income
VietnamPopulation, age 15+ (millions) 71.3 GNI per capita ($) 2,060
East Asia & Pacific Lower middle income
30.8 70.6 57.831.0 69.1 41.921.4 55.1 28.9
30.0 70.3 56.130.9 68.9 40.621.4 55.1 28.9
3.5 1.3 5.30.5 0.4 3.2
30.4 67.9 53.020.3 59.3 50.719.8 59.8 50.825.2 68.8 57.6
22.7 58.0 29.218.1 39.0 19.72.9 20.8 7.58.9 15.9 5.53.0 12.2 8.3
20.5 38.6 6.89.2 31.0 8.36.2 33.1 10.0
5.7 11.8 21.65.9 11.9 22.0
9.6 15.0 10.17.9 7.3 4.76.6 5.8 8.8
14.5 30.6 15.914.6 36.7 14.414.4 8.6 13.057.4 53.1 39.718.0 23.2 13.2
21.7 21.5 9.819.5 19.5 10.029.5 29.6 30.449.0 46.8 42.9
9.2 10.8 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
161The Little Data Book on Financial Inclusion 2018
Country data
Middle East &
North Africa
Lower middle income
West Bank and GazaPopulation, age 15+ (millions) 2.7 GNI per capita ($) 3,230
Middle East & North Africa Lower middle income
25.0 43.5 57.824.2 .. 41.919.4 32.9 28.9
25.0 43.0 56.124.2 .. 40.619.4 32.9 28.9
.. 5.8 5.3
.. .. 3.2
15.9 35.0 53.012.0 35.3 50.712.5 35.0 50.831.4 36.9 57.6
14.2 33.3 29.212.1 .. 19.73.9 9.8 7.53.7 5.9 5.5
.. 19.5 8.37.1 12.2 6.82.0 10.4 8.35.1 16.2 10.0
5.6 7.1 21.65.6 7.2 22.0
1.6 5.0 10.11.4 4.9 4.7
10.9 11.1 8.8
6.0 10.8 15.95.1 .. 14.4
12.3 8.0 13.026.9 31.3 39.7
3.6 8.1 13.2
7.2 9.6 9.84.7 .. 10.0
19.6 31.1 30.428.7 42.6 42.95.4 8.2 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
162 2018 The Little Data Book on Financial Inclusion
Country data
Sub-SaharanAfrica
Lower middle income
ZambiaPopulation, age 15+ (millions) 9.1 GNI per capita ($) 1,360
Sub-Saharan Africa Lower middle income
45.9 42.6 57.835.6 34.2 41.921.4 23.2 28.9
35.8 32.8 56.131.3 28.8 40.621.4 23.2 28.9
27.8 20.9 5.312.1 11.6 3.2
40.3 36.9 53.031.2 31.9 50.733.4 31.4 50.840.9 39.5 57.6
38.7 34.4 29.228.6 26.9 19.712.8 7.7 7.5
8.1 5.7 5.59.8 7.3 8.3
11.3 7.6 6.826.2 20.8 8.3
9.0 7.5 10.0
6.5 5.5 21.68.8 7.1 22.0
21.8 22.7 10.115.2 11.0 4.7
4.5 9.4 8.8
13.6 14.9 15.916.8 15.8 14.423.5 25.3 13.058.7 54.4 39.7
8.1 10.3 13.2
10.4 8.4 9.85.7 7.5 10.0
31.0 31.0 30.448.7 45.7 42.9
7.8 4.7 5.0
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
163The Little Data Book on Financial Inclusion 2018
Country data
Sub-SaharanAfrica
Low income
ZimbabwePopulation, age 15+ (millions) 9.5 GNI per capita ($) 890
Sub-Saharan Africa Low income
55.3 42.6 34.932.4 34.2 22.939.7 23.2 13.4
28.2 32.8 24.517.2 28.8 16.939.7 23.2 13.4
48.6 20.9 17.621.6 11.6 9.9
51.7 36.9 29.943.6 31.9 25.547.5 31.4 23.447.6 39.5 32.3
52.5 34.4 25.630.0 26.9 15.113.4 7.7 4.410.1 5.7 3.3
7.4 7.3 4.39.5 7.6 4.8
45.5 20.8 17.113.9 7.5 ..
1.7 5.5 5.25.0 7.1 6.5
36.7 22.7 16.09.3 11.0 9.68.6 9.4 8.0
5.3 14.9 11.15.2 15.8 8.9
21.3 25.3 23.053.6 54.4 47.6
4.7 10.3 8.9
4.7 8.4 7.94.3 7.5 6.1
37.9 31.0 31.347.5 45.7 45.62.9 4.7 5.5
Account (% age 15+)All adultsAll adults, 2014All adults, 2011
Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011
Mobile money account (% age 15+)All adultsAll adults, 2014
Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas
Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase
Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account
Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only
Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age
Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan
164 2018 The Little Data Book on Financial Inclusion
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 money account) .
Borrowed any money denotes the percentage of respondents who report borrowing any money (by themselves or together with someone else) for any reason and from any source in the past 12 months .
Borrowed from a financial institution or used a credit card denotes the percentage of respondents who report borrowing any money from a bank or another type of financial institution, or using a credit card, in the past 12 months .
Borrowed from family or friends denotes the percentage of respondents who report borrowing any money from family, relatives, or friends in the past 12 months .
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
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 2016 . Aggregates include economies not shown in this book . (World Bank)
Made or received digital payments denotes the percentage of respondents who report using mobile money, a debit or credit card, or a mobile phone to make a payment from an account, or report using the internet to pay bills or to buy something online, in the past 12 months . It also includes respondents who report paying bills, sending or receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension through a financial institution account or through a mobile money account in the past 12 months .
Mobile money account denotes the percentage of respondents who report personally using a mobile money service in the past 12 months .2
No deposit and no withdrawal from a financial institution account denotes the percentage of respondents who report neither a deposit into nor a withdrawal from their financial institution account in the past 12 months .
Glossary
165The Little Data Book on Financial Inclusion 2018
GlossaryNo deposit and no withdrawal from an account denotes the percentage of respondents who report neither a deposit into nor a withdrawal from their account in the past 12 months .
Outstanding housing loan denotes the percentage of respondents who report having an outstanding loan from a bank or another type of financial institution to purchase a home, an 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 2016 . Aggregates include economies not shown in this book . (Eurostat, United Nations Population Division, and World Bank)
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 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 or received domestic remittances through an account denotes the percentage of respondents who report personally sending any of their money in the past 12 months to, or receiving any of it from, a relative or friend living in a different area of their country using a financial institution account or a mobile money account .
Sent or received domestic remittances through an OTC service denotes the percentage of respondents who report personally sending any of their money in the past 12 months to, or receiving any of it from, a relative or friend living in a different area of their country over the counter in a branch of their financial institution, through a mobile banking agent, or through a money transfer service .
Sent or received domestic remittances through cash only denotes the percentage of respondents who report personally sending any of their money in the past 12 months to, or receiving any of it from, a relative or friend living in a different area of their country only by handing cash to or receiving cash from that person, or by sending or receiving it through someone they know .
Used a debit or credit card to make a purchase denotes the percentage of respondents who report using their own debit or credit card to make a purchase in the past 12 months .
166 2018 The Little Data Book on Financial Inclusion
GlossaryUsed a mobile phone or the internet to access an account denotes the percentage of respondents who report using a mobile phone or the internet to make a payment, to make a purchase, or to send or receive money through their account at a bank or another type of financial institution or through the use of a mobile money service in the past 12 months .
Used an account to pay utility bills denotes the percentage of respondents who report making a payment for water, electricity, or trash collection directly from a financial institution account or through a mobile money account in the past 12 months .
Used an account to receive government payments denotes the percentage of respondents who report personally receiving any payment from the government (public sector wages, a public sector pension, or government transfers of financial support) directly into a financial institution account, into a card, or into a mobile money account in the past 12 months .
Used an account to receive private sector wages denotes the percentage of respondents who report receiving a private sector salary or private sector wages directly into a financial institution account, into a card, or into a mobile money account in the past 12 months .
Used the internet to pay bills or to buy something online denotes the percentage of respondents who report making bill payments or online purchases using the internet, whether through a mobile phone, a computer, or some other device, in the past 12 months .
NotesFor indicators for which the source of data is other than the 2017 edition of the Global Findex database, the source is given at the end of the definition or is as follows:
For 2011 Global Findex data, the source 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) .
For 2014 Global Findex data, the source is Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, and Peter van Oudheusden . Forthcoming . “The Global Findex Database 2014: Measuring Financial Inclusion and Opportunities to Expand Access to and Use of Financial Services .” World Bank Economic Review.
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, a microfinance institution, a cooperative, or the post office (if applicable), or having a debit card in their own name . It includes an additional 3 .93 percent of respondents in 2017 who report receiving wages, government transfers, a public sector pension (included in 2017 data), or payments for agricultural products into a financial institution account in the past 12 months; paying utility bills or school fees from a financial institution account in the past 12 months; or receiving wages or government transfers into a card in the past 12 months .
167The Little Data Book on Financial Inclusion 2018
Glossary2 . Mobile money account includes respondents who report personally using services included in the GSM Association’s Mobile Money for the Unbanked (GSMA MMU) database to pay bills or to send or receive money in the past 12 months . It includes an additional 0 .60 percent of respondents in 2017 who report receiving wages, government transfers, a public sector pension (included in 2017 data), or payments for agricultural products through a mobile phone in the past 12 months .
168 2018 The Little Data Book on Financial Inclusion
ReferenceThe reference citation for the 2017 Global Findex data provided in this book is as follows:
Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess . 2018 . The Global Findex Database 2017: Measuring Financial Inclusion
and the Fintech Revolution. World Bank: Washington, DC .