25
ALBANIA  ALGERIA  ARGENTINA  ARMENIA  AUSTRALIA  AUSTRIA  
AZERBAIJAN  BAHRAIN  BANGLADESH  BELGIUM  BELIZE  BENIN  
BOLIVIA  BOSNIA AND HERZEGOVINA  BOTSWANA  BRAZIL  BULGARIA  
BURKINA FASO  CAMBODIA  CAMEROON  CANADA  CHAD  CHILE  CHINA  
COLOMBIA  UNION OF THE COMOROS  DEMOCRATIC REPUBLIC OF CONGO  
REPUBLIC OF CONGO  COSTA RICA  CÔTE D’IVOIRE  CROATIA  
CYPRUS  CZECHIA  DENMARK  DOMINICAN REPUBLIC  ECUADOR  
ARAB REPUBLIC OF EGYPT  EL SALVADOR  ESTONIA  ESWATINI  
ETHIOPIA  FINLAND  FRANCE  GABON  THE GAMBIA  GEORGIA  
GERMANY  GHANA  GREECE  GUATEMALA  GUINEA  HONDURAS  
HONG KONG SAR, CHINA  HUNGARY  ICELAND  INDIA  INDONESIA  
ISLAMIC REPUBLIC OF IRAN  IRAQ  IRELAND  ISRAEL  ITALY  JAPAN  
JORDAN  KAZAKHSTAN  KENYA  REPUBLIC OF KOREA  KOSOVO  KUWAIT  
KYRGYZ REPUBLIC  LAO PEOPLE’S DEMOCRATIC REPUBLIC  LATVIA  
LEBANON  LESOTHO  LIBERIA  LIBYA  LITHUANIA  MADAGASCAR  
MALAWI  MALAYSIA  MALI  MALTA  MAURITANIA  MAURITIUS  MEXICO  
MOLDOVA  MONGOLIA  MONTENEGRO  MOROCCO  MOZAMBIQUE  
NAMIBIA  NEPAL  NETHERLANDS  NEW ZEALAND  NICARAGUA  NIGER  
NIGERIA  NORTH MACEDONIA  NORWAY  OMAN  PAKISTAN  PANAMA  
PARAGUAY  PERU  PHILIPPINES  POLAND  PORTUGAL  ROMANIA  
RUSSIAN FEDERATION  SAUDI ARABIA  SENEGAL  SERBIA  SIERRA LEONE  
SINGAPORE  SLOVAK REPUBLIC  SLOVENIA  SOUTH AFRICA  SPAIN  
SRI LANKA  SWEDEN  SWITZERLAND  TAIWAN, CHINA  TAJIKISTAN  
TANZANIA  THAILAND  TOGO  TRINIDAD AND TOBAGO  TUNISIA  TÜRKIYE  
UGANDA  UKRAINE  UNITED KINGDOM  UNITED STATES  URUGUAY  
UZBEKISTAN  VENEZUELA RB  VIET NAM  WEST BANK AND GAZA
ZAMBIA  ZIMBABWE
From The Global Findex Database
The Little Data Book on Financial Inclusion
The Little 
Data Book on 
Financial Inclusion
25
Borrowing
Financial health
Mobile connectivity
Account ownership
Use of digital payments
Saving
Web site: http://www.globalfindex.worldbank.org

2025
THE LITTLE
DATA BOOK ON 
FINANCIAL INCLUSION

© 2025 International Bank for Reconstruction and Development / The World Bank 
1818 H Street NW 
Washington DC 20433 
Telephone: 202-473-1000 
Internet: www.worldbank.org  
This work is a product of the staff of The World Bank with external contributions. The 
findings, interpretations, and conclusions expressed in this work do not necessarily reflect 
the views of The World Bank, its Board of Executive Directors, or the governments they 
represent. 
The World Bank does not guarantee the accuracy of the data included in this work. The 
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Design by Communications Development Incorporated, Washington, DC.

iiiThe Little Data Book on Financial Inclusion  2025
Contents
Acknowledgments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . iv
Introduction  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  .v
Data notes  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . vi
Regional tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
 World  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
 East Asia & Pacific . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
 Europe & Central Asia  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
 Latin America & Caribbean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
 Middle East & North Africa  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
 South Asia  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
 Sub-Saharan Africa  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Income group tables  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
 Low income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
 Lower middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
 Upper middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
 Low & middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
 High income  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Country tables (in alphabetical order)  . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 160
Reference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 163

iv 2025 The Little Data Book on F inancial Inclusion
Global Findex 2025 and The Little Data Book on Financial Inclusion 2025  
were prepared by the Finance and Private Sector Development team of the 
Development Research Group in the World Bank’s Development Economics 
Vice Presidency  .  The team was led by Leora Klapper, Dorothe Singer, Laura 
Starita, and Alexandra Norris and included Anh Phuong Nguyen, Uzma Sahar 
Rauf, Ananya Sharma, and Xiaoyu Wang .  Fareeza Ibrahim led communications 
and dissemination efforts  .  Amani Haque provided administrative support  .  
Strategic guidance was provided by Indermit Gill, senior vice president and 
chief economist of the World Bank; Deon Filmer, director of the Development 
Research Group; Somik Lall, senior advisor to the chief economist; and 
Robert Cull, manager of the Finance and Private Sector Development team  .  
Special thanks are extended to the senior leadership and managers in 
the World Bank’s Prosperity and Digital Transformation Vice Presidencies 
for their partnership and guidance in preparing this report  .  This includes 
Jean Pesme, global director (Finance, Competitiveness, and Investment 
[FCI]); Idah Pswarayi-Riddihough, global director (Digital Transformation); 
Christine Zhenwei Qiang, global director (Digital Core); Sophie Sirtaine, CEO, 
Consultative Group to Assist the Poor; and Harish Natarajan, practice manager 
(FCI); as well as the FCI and Digital Transformation regional practice managers . 
The team is grateful to the Gates Foundation, the Mastercard Foundation, 
and the World Bank’s Development Economics, Digital Transformation, and 
Prosperity Vice Presidencies for their financial support, which made the 
collection and dissemination of the data possible  .
Neli Esipova at Multicultural Insights led the update of the Global Findex 
questionnaire and development of the new module on digital connectivity  .  
Sharada Srinivasan provided key contributions to the digital connectivity 
questionnaire and analysis  .  Additional thanks go to Saniya Ansar and Seth 
Garz for supporting pilots of the 2024 questionnaire in Bangladesh, Ghana, 
Malawi, Malaysia, Pakistan, and Zambia  .  The team also extends special 
thanks to the GSM Association for supporting questionnaire development, 
including contributions from Kalvin Bahia, Nadia Jeffrie, and Rishi Raithatha .  
The team greatly appreciates the excellent execution of the survey and related 
support provided by Gallup, Inc  ., u nder the direction of Joe Daly and with 
assistance from Cynthia English and Chris McCarty and the Gallup World 
Poll survey regional managers  .  Susanna Roesel of Unleash Creative created 
the cover and internal infographics  .
Finally, the team would like to express its deep gratitude to the more than 
750,000 adults around the world who have generously taken the time to 
participate in the Global Findex survey  .
Acknowledgments

vThe Little Data Book on Financial Inclusion  2025
Introduction
The Little Data Book on Financial Inclusion 2025 is a pocket edition of 
the Global Findex Database 2025  .  The Global Findex is the world’s most 
comprehensive database on financial inclusion  .  It is also the only global 
demand-side data source allowing for global and regional cross-country 
analysis to provide a rigorous and multidimensional picture of how adults 
save, borrow, make payments, and manage financial risks .  Results from the 
first survey were published in 2011, and have been followed by subsequent 
survey results from 2014, 2017 and in 2021  .  The 2025 edition, based on 
nationally representative surveys of about 145,000 adults in 141 economies 
conducted over the calendar year 2024, offers a lens into how people access 
and use financial services  .  For the first time, the 2025 edition includes 
indicators on digital connectivity, including mobile phone ownership, internet 
use, and digital safety  .
The Global Findex Database has become a mainstay of global efforts to 
promote financial inclusion .  In addition to being widely cited by policymakers, 
researchers, and development practitioners, Global Findex data are used to 
track progress toward the United Nations Sustainable Development Goals  .  
The database, the full text of the report, and the underlying economy-level 
data for all figures—along with the questionnaire, the survey methodology, 
and other relevant materials—are available at 
http://www .g lobalfindex  
 .w orldbank  .or g
The reference citation for the Global Findex Database 2025 data provided 
in this book is as follows:  Leora Klapper, Dorothe Singer, Laura Starita and 
Alexandra Norris  .  2025 .  The Global Findex Database 2025: Connectivity and 
Financial Inclusion in the Digital Economy  . World Bank: Washington, DC  .

vi 2025 The Little Data Book on F inancial Inclusion
The data in this book are for 2024 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: 
  . . *   i ndicates that data are not available and the aggregates cannot 
be calculated because the question was not surveyed  .  
0 or 0 .0 i ndicates zero or a value small enough that it would round to 
zero at the number of decimal places displayed  .  
 $  i ndicates current U  .S .  dollars .  
Data are shown for 141 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  .
Unlike in previous editions, data collection for Global Findex 2025 gave priority 
to low- and middle-income economies  .  Data on mobile phone ownership 
and account ownership were collected in all economies, but questions on 
internet use, financial use, and financial health were asked only in low- and 
middle-income economies  .  Any mobile connectivity data for high-income 
economies, and for select low- and middle-income economies that did not 
receive the Global Findex Digital Connectivity Tracker survey module, is 
from the Gallup World Poll, 2024  .  In addition, in Algeria, China, the Islamic 
Republic of Iran, Libya, Mauritius, the Russian Federation and Ukraine, an 
abridged form of the questionnaire was administered by phone because of 
economy-specific restrictions  .  As a result, data points on made a digital 
utility payment, received a government payment into an account, received 
a private sector wage payment into an account, and have a password on 
their mobile phone are not available for these economies  .  Regional and 
income group averages for these data points also exclude data for these 
economies for the same reason  .
The abridged questionnaire administered in the Russian Federation in 2024 
only included questions on mobile phone ownership and account ownership .  
As a result, other data points are not available for Russia for this year .  Income 
group averages and averages for Europe and Central Asia also exclude data 
for this economy for the same reason .  For comparability across time, Europe 
and Central Asia averages for variables other than account and mobile 
phone ownership similarly exclude data for Russia and may thus differ from 
previously published numbers  .
Data notes

viiThe Little Data Book on Financial Inclusion  2025
Data on account ownership by labor force participation exclude China, where 
employment data were not collected  .  Regional and income group averages 
for this data point also exclude data for this economy for the same reason  .
As a result of COVID-19 mobility restrictions, 22 economies could not be 
surveyed in time for the release of Global Findex 2021  .  Those economies 
were subsequently surveyed in 2022, and the collected data were added 
to the database  . As a result, some of the 2021 regional, low- and middle-
income, and global averages differ slightly from those reported in the Little 
Data Book edition published in 2022  .
Data notes



1The Little Data Book on Financial Inclusion  2025
The country composition of regions as used in this book is based on the World 
Bank’s analytical regions and may differ from common geographic usage  .
East Asia and Pacific 
Cambodia; China; Indonesia; the Lao People’s Democratic Republic; 
Malaysia; Mongolia; Myanmar;†‡ the Philippines; Thailand; Viet Nam
Europe and Central Asia 
Albania; Armenia; Azerbaijan; Belarus;¤‡ Bosnia and Herzegovina; 
Bulgaria; Georgia; Kazakhstan; Kosovo; the Kyrgyz Republic; Moldova; 
Montenegro;¤ North Macedonia; the Russian Federation; Serbia; 
Tajikistan; Türkiye; Turkmenistan;‡ Ukraine; Uzbekistan 
High income  
Australia; Austria; Bahrain;¤ Belgium; Canada; Chile; Croatia; Cyprus; 
the Czech Republic; Denmark; Estonia; Finland; France; Germany; Greece; 
Hong Kong SAR, China; Hungary; Iceland;† Ireland; Israel; Italy; Japan; the 
Republic of Korea; Kuwait;¤ Latvia; Lithuania; Luxembourg;¤‡ Malta; the 
Netherlands; New Zealand; Norway;† Oman;¤ Poland; Portugal; Qatar;¤‡ 
Romania, Saudi Arabia; Singapore; the Slovak Republic; Slovenia; Spain; 
Sweden; Switzerland;† Taiwan, China; Trinidad and Tobago;¤ the United 
Arab Emirates; the United Kingdom; the United States; Uruguay 
Latin America and the Caribbean 
Argentina; Belize;†¤ the Plurinational State of Bolivia; Brazil; Colombia; 
Costa Rica; the Dominican Republic; Ecuador; El Salvador; Guatemala; 
Haiti;¤‡ Honduras; Jamaica;‡§ México; Nicaragua; Panama; Paraguay; 
Peru; República Bolivariana de Venezuela 
Middle East and North Africa** 
Algeria; Djibouti;¤‡ the Arab Republic of Egypt; the Islamic Republic of Iran; 
Iraq; Jordan; Lebanon; Libya;†¤ Morocco;† the Syrian Arab Republic;¤‡ 
Tunisia;† West Bank and Gaza; the Republic of Yemen‡
South Asia 
Afghanistan;‡ Bangladesh; India; Nepal; Pakistan; Sri Lanka 
Sub-Saharan Africa  
Angola;¤‡ Benin; Botswana; Burkina Faso; Burundi;¤‡ Cameroon; the 
Central African Republic;¤‡ Chad; the Comoros; the Democratic Republic of 
Congo; the Republic of Congo; Côte d’Ivoire;† Eswatini; Ethiopia;† Gabon; 
The Gambia;† Ghana; Guinea; Kenya; Lesotho; Liberia; Madagascar; 
Malawi; Mali; Mauritania; Mauritius; Mozambique;† Namibia;† Niger; 
Nigeria; Rwanda;¤‡ Senegal; Sierra Leone; South Africa; South Sudan;†‡ 
Sudan;¤‡ Tanzania; Togo; Uganda; Zambia; Zimbabwe 
† Excluded in 2011 data  .  
¤ Excluded in 2021 data  .  
‡ Excluded in 2024
** Middle East and North Africa average was not included in 2014 data  .
Regional tables

Variable Name (% age 15+)
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account 
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days 
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
   Women
   Adults in the poorest 40% of households
Has a personal smartphone
   Women
   Adults in the poorest 40% of households
Has a password on their mobile phone
2 2025 The Little Data Book on F inancial Inclusion
Population, age 15+ (millions) 6,042.7 GNI per capita ($)  13,179.4 
World
78.7
73.8
50.6
75.3
15.3
..*
76.6
72.4
66.6
75
..*
..*
..*
..*
..*
..*
..*
..*
..*
..*
..*
..*
..*
..*
..*
..*
..*
85.7
81.8
81.1
68.3
64.5
58.8
..*

Variable Name (% age 15+)
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account 
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days 
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
   Women
   Adults in the poorest 40% of households
Has a personal smartphone
   Women
   Adults in the poorest 40% of households
Has a password on their mobile phone
3The Little Data Book on Financial Inclusion  2025
Population, age 15+ (millions) 1,726.3 GNI per capita ($)  13,705.9 
East Asia & Pacific
83.3
79.7
55.0
82.2
6.9
74.6
83.5
75.7
50.3
75.4
80.2
74.8
67.4
64.1
62.3
17.5
16.7
71.2
58.9
38.8
20.3
53.3
34.5
77.5
77.1
64.3
43.7
94.0
94.0
92.0
85.8
85.4
77.6
60.0

Variable Name (% age 15+)
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account 
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days 
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
   Women
   Adults in the poorest 40% of households
Has a personal smartphone
   Women
   Adults in the poorest 40% of households
Has a password on their mobile phone
4 2025 The Little Data Book on F inancial Inclusion
77.8
77.6
44.4
77.6
8.4
61.4
73.9
71.0
66.5
74.6
69.1
64.9
51.4
42.4
42.2
27.6
22.5
40.6
23.3
13.5
8.4
55.1
28.8
64.0
59.0
50.6
24.0
93.6
92.0
92.2
82.4
79.9
78.4
63.1
Population, age 15+ (millions) 191.4 GNI per capita ($) 29,122.8
Europe & Central Asia

Variable Name (% age 15+)
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account 
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days 
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
   Women
   Adults in the poorest 40% of households
Has a personal smartphone
   Women
   Adults in the poorest 40% of households
Has a password on their mobile phone
5The Little Data Book on Financial Inclusion  2025
69.7
67.1
39.5
66.4
37.3
54.1
65.9
59.5
58.4
65.0
59.4
59.8
42.5
37.3
34.8
18.8
17.4
45.4
28.8
17.9
8.4
53.4
28.5
54.6
47.5
38.6
34.7
88.7
88.3
84.5
69.8
67.6
61.1
63.3
Population, age 15+ (millions) 458.3 GNI per capita ($) 9,651.4
Latin America & Caribbean

Variable Name (% age 15+)
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account 
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days 
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
   Women
   Adults in the poorest 40% of households
Has a personal smartphone
   Women
   Adults in the poorest 40% of households
Has a password on their mobile phone
6 2025 The Little Data Book on F inancial Inclusion
52.9
45.4
33.0
50.0
10.7
38.0
45.6
45.9
44.4
52.4
43.9
38.0
26.2
7.5
14.1
17.3
5.2
35.1
17.0
11.0
8.0
57.8
12.4
60.1
57.2
47.0
27.9
89.3
86.0
89.3
68.8
64.6
61.6
54.4
Population, age 15+ (millions) 305.7 GNI per capita ($) 8,653.2
Middle East & North Africa

Variable Name (% age 15+)
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account 
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days 
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
   Women
   Adults in the poorest 40% of households
Has a personal smartphone
   Women
   Adults in the poorest 40% of households
Has a password on their mobile phone
7The Little Data Book on Financial Inclusion  2025
77.6
68.0
32.2
75.3
21.9
28.9
75.1
73.3
67.6
80.2
44.2
33.7
15.2
9.7
13.7
17.8
10.7
35.7
23.8
12.4
13.1
64.7
14.2
31.4
23.6
19.5
20.6
67.8
53.9
57.6
40.8
29.9
24.4
37.4
Population, age 15+ (millions) 1,419.3 GNI per capita ($) 2,381.9
South Asia

Variable Name (% age 15+)
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account 
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days 
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
   Women
   Adults in the poorest 40% of households
Has a personal smartphone
   Women
   Adults in the poorest 40% of households
Has a password on their mobile phone
8 2025 The Little Data Book on F inancial Inclusion
58.2
49.3
23.3
37.8
40.0
48.9
52.3
47.2
44.7
52.4
50.6
41.7
19.5
12.9
15.6
8.9
9.5
60.7
34.7
23.0
28.1
70.4
12.4
41.3
36.9
30.8
36.6
74.7
70.5
66.1
32.9
29.3
21.5
36.1
Population, age 15+ (millions) 742.8 GNI per capita ($) 1,620.7
Sub-Saharan Africa

9The Little Data Book on Financial Inclusion  2025
Income group tables
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, 
lower middle income, upper middle income, or high income based on its 
GNI per capita in 2024  .  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  .  An economy’s income classifications remains 
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 $1,135 or less 
in July 1, 2024 .
Lower middle  income economies are those with a GNI per capita between 
$1,136 and $4,465 .  
Upper middle income  economies are those with a GNI per capita between 
$4,466 and $13,845  .
High income economies are those with a GNI per capita of $13,845 or more .

Variable Name (% age 15+)
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account 
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days 
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
   Women
   Adults in the poorest 40% of households
Has a personal smartphone
   Women
   Adults in the poorest 40% of households
Has a password on their mobile phone
10 2025 The Little Data Book on F inancial Inclusion
Population, age 15+ (millions) 431.1 GNI per capita ($) 754.7
46.4
35.2
10.4
25.8
31.8
34.7
40.6
37.3
35.3
42.2
37.1
26.9
8.5
5.0
10.0
5.4
4.4
54.9
27.6
16.4
29.1
69.2
10.3
43.8
39.9
34.7
32.2
63.1
55.9
52.8
21.8
17.9
12.9
29.0
Low income

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
11The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
70.4
62.1
30.5
65.0
24.4
36.8
67.6
63.4
59.9
71.7
47.3
38.4
19.9
12.3
16.2
15.6
11.2
42.9
26.1
15.0
14.4
62.4
14.1
40.6
34.9
28.5
27.3
75.1
66.6
67.2
50.0
42.8
36.4
42.3
Population, age 15+ (millions) 2,158.6 GNI per capita ($) 2,511.4
Lower middle income

12 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
84.0
82.6
56.6
83.2
10.4
74.9
82.5
76.7
62.4
78.5
80.7
78.6
68.4
66.6
61.8
24.0
20.0
66.6
55.4
35.1
18.4
54.2
36.2
74.6
72.4
60.7
41.1
94.6
94.4
93.1
83.7
82.5
76.0
64.8
Population, age 15+ (millions) 2,254.0 GNI per capita ($) 10,563.3
Upper middle income

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
13The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
75.4
69.0
41.6
71.3
18.2
54.2
73.0
68.2
58.9
71.3
62.1
54.8
41.5
35.0
36.8
16.6
12.5
54.5
39.7
23.7
17.1
59.0
24.0
56.4
52.3
43.7
33.9
83.7
79.0
78.6
64.3
60.0
53.8
45.8
Population, age 15+ (millions) 4,843.7 GNI per capita ($)  5,735.7 
Low & middle income

14 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
94.9
95.8
87.5
94.9
..*
..*
94.5
92.8
91.8
95.1
..*
..* 
..*
..*
..*
..*
..*
..*
..*
..* 
..*
..*
..*
..*
..*
..*
..*
95.5
95.1
93.8
88.1
86.7
83.6
..*
Population, age 15+ (millions) 1,178.0 GNI per capita ($) 48,441.4
High income

15The Little Data Book on Financial Inclusion  2025
Albania 
People living in remote or difficult-to-access rural areas were excluded  .  
The excluded area represents approximately 2 percent of the total 
population  .
Argentina
Those living in dispersed rural population areas were excluded  .  This 
represents about 4 percent of the population  .
Armenia 
Settlements near territories disputed with Azerbaijan were not included for 
security reasons .  The excluded area represents approximately 3 percent 
of the total population .
Azerbaijan
Nakhichevan and East Zangezur territories not included  .  These areas 
represent approximately 8 percent of the total population  .  (Nagorno-
Karabakh not included in sampling frame and not counted in exclusion 
percent .)
Bahrain
Includes only Bahrainis, Arab expatriates and non-Arabs who were able 
to complete the interview in Arabic, English, or Hindi .
Bolivia
Some distant, small locations were excluded due to accessibility and/
or security issues .  The exclusions represent approximately 7 percent of 
the population .
Botswana
Sampling units of population size less than 50 are excluded from the 
sampling frame . This exclusion is approximately 4 percent of the population 
of Botswana .
Burkina Faso 
Some communities across regions were excluded due to security reasons .  
The areas excluded represent approximately 18 percent of the population .
Cambodia 
Koh Kong, Stueng Treng, Otdor Meanchey, and Kep provinces were 
excluded .  These areas represent approximately 3 percent of the total 
population of Cambodia  .
Cameroon
Some arrondissements in the East region, the North Region, the Extreme 
North region, the Northwest region, and the South West region were 
excluded due to insecurity  .  Neighborhoods with less than 50 household 
were also excluded from the sampling  .  The exclusion represents 
21 percent of the total population  .
Country tables

16 2025 The Little Data Book on F inancial Inclusion
Chad
Because of security issues and difficult terrain, seven regions are 
excluded from the sampling: Lac, Ouaddaï, Wadi Fira, Bourkou, Ennedi, 
Tibesti, Salamat  .  In addition, the North Kanem and Bahr El Gazal North 
districts were excluded due to accessibility issues  .  Quartiers/villages 
with less than 50 inhabitants are also excluded from sampling  .  The 
excluded areas represent 23 percent of the population  .
Canada 
Northwest Territories, Yukon, and Nunavut (representing approximately 
0 .3 p ercent of the Canadian population) were excluded  .
China
Tibet was excluded from the sample . The excluded areas represent less 
than 1 percent of the total population of China  .
Colombia
Ten departments and an additional 19 municipalities were excluded since 
they are located in areas of low population or with extreme insecurity issues . 
The excluded areas represent approximately 5 percent of the population .
Congo, Dem. Rep.
Parts of Bandundu, Bas Congo, Equateur, Kasai Occidental, Maniema, 
Province Orientale, Nord Kivu, Sud Kivu, Katanga were excluded due to 
insecurity .  Geographic exclusions represent 19 percent of the population .
Côte d’Ivoire 
PSUs with population less than 100 were excluded prior to sampling, 
corresponding to 9 percent of the population  .
Egypt, Arab Rep.
Frontier governorates (Matruh, Red Sea, New Valley, North Sinai, and 
South Sinai) were excluded, as they are remote and represent a small 
proportion of the population of the country . The excluded areas represent 
less than 2 percent of the total population  .
Ethiopia
Amhara was excluded due to state of emergency  .  Also excluded were 
Harari, Somali Urban and Tigray Urban  regions  .  The excluded areas 
represent approximately 30 percent of the total population of Ethiopia  .
Georgia
South Ossetia and Abkhazia were not included for the safety of the 
interviewers  .  In addition, very remote mountainous villages or those 
with less than 100 inhabitants were also excluded  .  The excluded areas 
represent approximately 8 percent of the total population  .
Ghana 
Localities with less than 100 inhabitants were excluded from the 
sample . The excluded areas represent approximately 4 percent of the 
total population  .
Country tables

17The Little Data Book on Financial Inclusion  2025
Honduras
PSUs with population less than 50, and DE LA BAHÍA and GRACIAS A 
DIOS were excluded  .  The exclusion represents approximately 4 percent 
of the population  .
India
Excluded populations living in Northeast states and remote islands and 
Jammu and Kashmir .  The excluded areas represent less than 10 percent 
of the total population  .
Israel
The sample does not include the area of East Jerusalem  .  Unsafe or 
evacuated areas near the border were excluded from the survey  .
Kuwait
Includes only Kuwaitis, Arab expatriates and non-Arabs who were able 
to complete the interview in Arabic, English, Bengali or Hindi  .
Lao PDR
Excluded Xaisomboun Province, Xayaboury Province and some communes 
that are unreachable and/or have security considerations  .  The excluded 
areas represent approximately 7 percent of the population  .
Lebanon
Hermel, Baalbak, Bint Jbeil, and neighborhoods in Beirut’s south suburbs 
under the strict control of Hezbollah were excluded  .  The excluded areas 
represent approximately 10 percent of the population  .
Madagascar
Regions that were unsafe or unreachable were excluded from the sample . 
The excluded areas represent approximately 17 percent of the total 
population  .
Mali
The regions of Gao, Kidal, Mopti, and Tombouctou were excluded for 
security reasons  .  Quartiers and villages with less than 50 inhabitants 
were also excluded from the sample  . The excluded areas represent 
23 percent of the total population  .
Mauritania
Some communes in Hodh Ech Chargui and Hodh El Gharbi were excluded 
due to increasing insecurity .  The excluded areas represent approximately 
4 percent of the population  .
Moldova
Transnistria (Prednestrovie) excluded for safety of interviewers  .  The 
excluded area represents approximately 13 percent of the total population .
Morocco
Excludes the Southern provinces  .  The excluded area represents 
approximately 3 percent of the population  .
Country tables

18 2025 The Little Data Book on F inancial Inclusion
Mozambique 
Cabo Delgado province, as well as a small number of districts in other 
provinces, were excluded for security reasons  .  The excluded areas 
represent 11 percent of the total population  .
Niger
Some communes in the Agadez region and Diffa region were excluded 
because of insecurity  .  In addition, PSUs with fewer than 25 households 
were also excluded  .  The excluded area represents approximately 
8 percent of the population  .
Nigeria
The 3 northeastern states of Adamawa, Borno and Yobe will be excluded 
due to insecurity and Boko Haram insurgency .  In addition, disputed areas 
of Taraba state are also excluded  .  Together, these exclusions account 
for roughly 7 percent of the total population  .
Oman
Includes Omani Nationals, Arab expatriates and non Arabs who were 
able to complete the interview in Arabic, English, Bengali, or Malayalam  .
Pakistan
Did not include Azad Jammu and Kashmir (AJK) and Gilgit-Baltistan  . 
The excluded area represents approximately 5 percent of the total 
population  .  Gender-matched sampling was used during the final stage 
of selection  .
Poland
Low population areas were excluded  .  The excluded areas represent 
approximately 5 percent of the population  .
Saudi Arabia
Includes Saudis, Arab expatriates, and non-Arabs who were able to 
complete the interview in Arabic, English, Urdu, or Hindi  .
Senegal
Sindian commune in Zinguichor region was excluded due to insecurity  .  
PSUs (quartiers and villages) with household size less than 50 were 
excluded due to the small population size . The excluded areas represent 
18 percent of the population  .
Singapore
Twenty-eight of 55 Planning Areas were excluded due to zero or small 
population size, accounting for less than 3 percent of the total population . 
In addition, individuals living in private condos or landed properties 
were excluded, representing approximately 20 percent of households 
in Singapore  .
Country tables

19The Little Data Book on Financial Inclusion  2025
Thailand
Three provinces in the South region (Pattani, Narathiwat, and Yala) were 
excluded for security reasons; in addition, a few districts in other provinces 
were excluded .  The excluded areas in total represent less than 4 percent 
of the population  .
Togo
PSUs with less than 100 population were excluded prior to sampling  .  
The excluded areas represent approximately 7 percent of the population .
Türkiye 
Gaziantep and Sanliurfa provinces, and portions of Adana, Hatay, Malatya 
provinces, were excluded due to an earthquake in February 2023  .  The 
excluded areas represent approximately 4 percent of the population  .
Uganda 
Three districts in the North region were excluded for security reasons– 
Kotido, Moroto, and Nakapiripirit .  The excluded areas represent 2 percent 
or less of the total population  .
Ukraine
Some occupied territories with entrenched Russian control are excluded 
due to lack of coverage by Ukrainian mobile operators  .  The exclusion 
represents approximately 12 percent of the population  .
Uzbekistan
The entire Karakalpak region was excluded, which corresponds to 6 
percent of the total population in Uzbekistan  .
West Bank and Gaza
Areas with population concentrations under 1,000 people were excluded . 
The excluded areas represent approximately 2 percent of West Bank and 
East Jerusalem  .  Interviewing was not conducted in Gaza Strip  .  Jewish 
Israeli-majority areas within the West Bank and East Jerusalem are not 
included .
Country tables

20 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Population, age 15+ (millions) 2.3 GNI per capita ($)  6,770.0 
46.1 77.8 84.0
44.2 77.6 82.6
28.3 44.4 56.6
46.1 77.6 83.2
..* 8.4 10.4
16.7 61.4 74.9
41.2 73.9 82.5
30.2 71.0 76.7
23.8 66.5 62.4
40.7 74.6 78.5
35.3 69.1 80.7
34.6 73.7 78.6
11.1 51.4 68.4
12.3 53.7 66.6
5.4 42.2 61.8
18.3 27.6 24.0
13.3 22.5 20.0
28.6 40.6 66.6
14.8 23.3 55.4
9.7 13.5 35.1
1.3 8.4 18.4
47.0 55.1 54.2
10.8 28.8 36.2
60.5 64.0 74.6
57.5 59.0 72.4
42.0 50.6 60.7
22.1 24.0 41.1
93.2 93.6 94.6
92.2 92.0 94.4
88.1 92.2 93.1
79.4 82.4 83.7
81.3 79.9 82.5
68.6 78.4 76.0
..* 63.1 64.8
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
income
Europe & Central Asia  U pper middle income
Albania

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
21The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
35.3 52.9 70.4
44.1 45.4 62.1
33.3 33.0 30.5
35.3 50.0 65.0
..* 10.7 24.4
11.8 38.0 36.8
18.1 45.6 67.6
31.2 45.9 63.4
24.2 44.4 59.9
23.0 52.4 71.7
13.1 43.9 47.3
33.7 38.0 38.4
7.0 26.2 19.9
5.3 7.5 12.3
3.5 14.1 16.2
..* 17.3 15.6
..* 5.2 11.2
38.1 35.1 42.9
16.6 17.0 26.1
16.0 11.0 15.0
4.0 8.0 14.4
34.1 57.8 62.4
6.5 12.4 14.1
70.0 60.1 40.6
66.9 57.2 34.9
60.8 47.0 28.5
19.7 27.9 27.3
98.3 89.3 75.1
98.3 86.0 66.6
97.4 89.3 67.2
84.3 68.8 50.0
84.7 64.6 42.8
81.6 61.6 36.4
..* 54.4 42.3
Population, age 15+ (millions) 32.0 GNI per capita ($) 3,920
Country 
data
Middle East 
& North 
Africa
Lower 
middle 
income
Middle East & North Africa  L ower middle income
Algeria

22 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
81.7 69.7 84.0
71.6 67.1 82.6
33.1 39.5 56.6
72.9 66.4 83.2
56.7 37.3 10.4
71.3 54.1 74.9
84.2 65.9 82.5
74.7 59.5 76.7
69.2 58.4 62.4
76.7 65.0 78.5
72.2 59.4 80.7
65.0 59.8 78.6
60.2 42.5 68.4
44.7 37.3 66.6
43.9 34.8 61.8
23.1 18.8 24.0
17.7 17.4 20.0
48.0 45.4 66.6
35.8 28.8 55.4
14.3 17.9 35.1
5.9 8.4 18.4
56.1 53.4 54.2
32.6 28.5 36.2
48.9 54.6 74.6
43.6 47.5 72.4
34.1 38.6 60.7
29.8 34.7 41.1
90.5 88.7 94.6
91.5 88.3 94.4
86.7 84.5 93.1
67.8 69.8 83.7
67.4 67.6 82.5
59.6 61.1 76.0
72.1 63.3 64.8
Country 
data
Latin 
America & 
Caribbean
Upper 
middle 
income
Population, age 15+ (millions) 35.4 GNI per capita ($)  11,590.0 
Latin America & Caribbean  U pper middle income
Argentina

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
23The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
71.4 77.8 84.0
55.3 77.6 82.6
17.5 44.4 56.6
70.5 77.6 83.2
17.4 8.4 10.4
46.9 61.4 74.9
68.0 73.9 82.5
64.0 71.0 76.7
63.8 66.5 62.4
71.2 74.6 78.5
60.6 69.1 80.7
47.5 73.7 78.6
33.8 51.4 68.4
15.7 53.7 66.6
19.8 42.2 61.8
28.3 27.6 24.0
19.3 22.5 20.0
42.0 40.6 66.6
10.8 23.3 55.4
7.3 13.5 35.1
3.9 8.4 18.4
56.9 55.1 54.2
23.4 28.8 36.2
76.0 64.0 74.6
72.9 59.0 72.4
65.6 50.6 60.7
23.5 24.0 41.1
95.4 93.6 94.6
94.3 92.0 94.4
95.3 92.2 93.1
83.0 82.4 83.7
86.2 79.9 82.5
79.1 78.4 76.0
..* 63.1 64.8
Population, age 15+ (millions) 2.4 GNI per capita ($)  5,960.0 
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
income
Europe & Central Asia  U pper middle income
Armenia

24 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
98.0 94.9
99.3 95.8
99.1 87.5
98.0 94.9
..* ..*
..* ..*
97.7 94.5
96.8 92.8
96.5 91.8
98.5 95.1
..* ..*
98.9 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
69.2 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
95.5 95.5
95.0 95.1
92.4 93.8
90.3 88.1
89.4 86.7
85.3 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 21.9 GNI per capita ($) 63,150.0
 H igh income
Australia

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
25The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
99.5 94.9
100.0 95.8
97.1 87.5
99.5 94.9
..* ..*
..* ..*
99.2 94.5
99.2 92.8
99.0 91.8
99.3 95.1
..* ..*
99.3 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
66.7 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
92.7 95.5
91.3 95.1
92.8 93.8
82.3 88.1
82.5 86.7
81.4 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 7.8 GNI per capita ($)  55,030.0 
 H igh income
Austria

26 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
56.3 77.8 84.0
46.3 77.6 82.6
14.9 44.4 56.6
56.3 77.6 83.2
..* 8.4 10.4
40.2 61.4 74.9
46.2 73.9 82.5
41.2 71.0 76.7
40.7 66.5 62.4
51.4 74.6 78.5
51.6 69.1 80.7
42.5 73.7 78.6
34.2 51.4 68.4
17.5 53.7 66.6
26.1 42.2 61.8
32.3 27.6 24.0
11.5 22.5 20.0
26.7 40.6 66.6
17.0 23.3 55.4
4.4 13.5 35.1
4.4 8.4 18.4
62.7 55.1 54.2
22.2 28.8 36.2
48.5 64.0 74.6
43.9 59.0 72.4
31.3 50.6 60.7
13.2 24.0 41.1
90.4 93.6 94.6
85.9 92.0 94.4
86.8 92.2 93.1
81.4 82.4 83.7
79.2 79.9 82.5
75.4 78.4 76.0
..* 63.1 64.8
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
incomeVariable Name (% age 15+)
Population, age 15+ (millions) 7.9 GNI per capita ($)  5,660.0 
Europe & Central Asia  U pper middle income
Azerbaijan

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
27The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
82.3 94.9
..* 95.8
64.5 87.5
82.3 94.9
..* ..*
..* ..*
83.0 94.5
77.3 92.8
75.8 91.8
..* 95.1
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
97.7 95.5
96.2 95.1
97.4 93.8
93.8 88.1
91.2 86.7
90.6 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 1.3 GNI per capita ($)  28,300.0 
 H igh income
Bahrain

28 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
43.3 77.6 70.4
52.8 68.0 62.1
31.7 32.2 30.5
32.9 75.3 65.0
20.8 21.9 24.4
22.8 28.9 36.8
33.3 75.1 67.6
35.5 73.3 63.4
33.5 67.6 59.9
44.5 80.2 71.7
33.9 44.2 47.3
45.3 33.7 38.4
2.8 15.2 19.9
2.8 9.7 12.3
6.6 13.7 16.2
5.9 17.8 15.6
3.3 10.7 11.2
20.4 35.7 42.9
10.6 23.8 26.1
7.2 12.4 15.0
8.4 13.1 14.4
70.3 64.7 62.4
13.1 14.2 14.1
35.8 31.4 40.6
32.6 23.6 34.9
18.3 19.5 28.5
20.5 20.6 27.3
82.4 67.8 75.1
73.7 53.9 66.6
77.9 57.6 67.2
38.2 40.8 50.0
33.6 29.9 42.8
24.9 24.4 36.4
39.1 37.4 42.3
Country 
data
South 
Asia
Lower 
middle 
income
Population, age 15+ (millions) 122.8 GNI per capita ($)  2,820.0 
South Asia L ower middle income
Bangladesh

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
29The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
98.2 94.9
99.0 95.8
96.3 87.5
98.2 94.9
..* ..*
..* ..*
97.9 94.5
98.7 92.8
95.9 91.8
98.3 95.1
..* ..*
97.4 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
57.0 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
94.3 95.5
94.1 95.1
92.8 93.8
88.2 88.1
88.2 86.7
87.0 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 9.9 GNI per capita ($) 54,580.0 
 H igh income
Belgium

30 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
68.0 69.7 84.0
..* 67.1 82.6
..* 39.5 56.6
67.3 66.4 83.2
13.7 37.3 10.4
43.1 54.1 74.9
65.2 65.9 82.5
63.8 59.5 76.7
59.0 58.4 62.4
66.7 65.0 78.5
51.2 59.4 80.7
..* 59.8 78.6
24.7 42.5 68.4
..* 37.3 66.6
18.1 34.8 61.8
18.1 18.8 24.0
15.0 17.4 20.0
68.7 45.4 66.6
34.3 28.8 55.4
..* 17.9 35.1
11.9 8.4 18.4
53.8 53.4 54.2
18.9 28.5 36.2
64.8 54.6 74.6
57.5 47.5 72.4
59.9 38.6 60.7
25.2 34.7 41.1
86.4 88.7 94.6
84.2 88.3 94.4
81.5 84.5 93.1
80.1 69.8 83.7
80.4 67.6 82.5
74.9 61.1 76.0
55.8 63.3 64.8
Country 
data
Latin 
America 
& Carib.
Upper 
middle 
income
Population, age 15+ (millions) 0.3 GNI per capita ($)  6,630.0 
Latin America & Caribbean  U pper middle income
Belize

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
31The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
51.8 58.2 70.4
48.6 49.3 62.1
10.5 23.3 30.5
19.9 37.8 65.0
44.9 40.0 24.4
47.7 48.9 36.8
49.1 52.3 67.6
41.5 47.2 63.4
34.4 44.7 59.9
51.1 52.4 71.7
47.7 50.6 47.3
43.7 41.7 38.4
6.8 19.5 19.9
4.8 12.9 12.3
8.4 15.6 16.2
5.3 8.9 15.6
3.4 9.5 11.2
58.2 60.7 42.9
23.4 34.7 26.1
12.7 23.0 15.0
36.1 28.1 14.4
73.0 70.4 62.4
12.7 12.4 14.1
54.3 41.3 40.6
51.4 36.9 34.9
53.1 30.8 28.5
23.5 36.6 27.3
77.0 74.7 75.1
72.0 70.5 66.6
67.3 66.1 67.2
29.0 32.9 50.0
25.2 29.3 42.8
18.6 21.5 36.4
34.2 36.1 42.3
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Population, age 15+ (millions) 8.2 GNI per capita ($)  1,400.0 
Sub-Saharan Africa  L ower middle income
Benin

32 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
56.8 69.7 70.4
68.9 67.1 62.1
28.0 39.5 30.5
53.5 66.4 65.0
20.0 37.3 24.4
33.7 54.1 36.8
53.5 65.9 67.6
45.6 59.5 63.4
44.3 58.4 59.9
49.0 65.0 71.7
43.6 59.4 47.3
55.5 59.8 38.4
20.5 42.5 19.9
15.1 37.3 12.3
14.7 34.8 16.2
7.9 18.8 15.6
8.5 17.4 11.2
51.1 45.4 42.9
26.3 28.8 26.1
20.6 17.9 15.0
14.7 8.4 14.4
48.1 53.4 62.4
19.3 28.5 14.1
64.9 54.6 40.6
59.5 47.5 34.9
52.7 38.6 28.5
31.5 34.7 27.3
87.4 88.7 75.1
86.5 88.3 66.6
82.2 84.5 67.2
69.6 69.8 50.0
65.8 67.6 42.8
59.6 61.1 36.4
50.2 63.3 42.3
Country 
data
Latin 
America 
& Carib.
Lower 
middle 
income
Population, age 15+ (millions) 8.6 GNI per capita ($)  3,490.0 
Latin America & Caribbean  L ower middle income
Bolivia

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
33The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
77.5 77.8 84.0
79.3 77.6 82.6
56.2 44.4 56.6
77.5 77.6 83.2
..* 8.4 10.4
37.5 61.4 74.9
75.7 73.9 82.5
70.4 71.0 76.7
61.6 66.5 62.4
76.3 74.6 78.5
62.1 69.1 80.7
66.5 73.7 78.6
31.8 51.4 68.4
37.7 53.7 66.6
17.6 42.2 61.8
25.4 27.6 24.0
29.8 22.5 20.0
50.4 40.6 66.6
24.1 23.3 55.4
18.7 13.5 35.1
4.1 8.4 18.4
24.9 55.1 54.2
11.7 28.8 36.2
79.2 64.0 74.6
77.7 59.0 72.4
69.4 50.6 60.7
5.1 24.0 41.1
90.3 93.6 94.6
87.9 92.0 94.4
88.8 92.2 93.1
82.1 82.4 83.7
80.3 79.9 82.5
75.0 78.4 76.0
..* 63.1 64.8
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
income
Population, age 15+ (millions) 2.8 GNI per capita ($)  7,660.0 
Europe & Central Asia  U pper middle income
Bosnia and Herzegovina

34 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
61.4 58.2 84.0
58.8 49.3 82.6
30.3 23.3 56.6
41.6 37.8 83.2
51.6 40.0 10.4
56.2 48.9 74.9
59.7 52.3 82.5
49.4 47.2 76.7
47.5 44.7 62.4
60.6 52.4 78.5
56.9 50.6 80.7
51.8 41.7 78.6
25.6 19.5 68.4
24.0 12.9 66.6
21.8 15.6 61.8
10.5 8.9 24.0
16.2 9.5 20.0
54.7 60.7 66.6
40.1 34.7 55.4
27.5 23.0 35.1
24.2 28.1 18.4
59.0 70.4 54.2
23.0 12.4 36.2
31.4 41.3 74.6
27.0 36.9 72.4
27.2 30.8 60.7
41.3 36.6 41.1
88.3 74.7 94.6
88.3 70.5 94.4
80.8 66.1 93.1
44.7 32.9 83.7
42.6 29.3 82.5
28.3 21.5 76.0
54.5 36.1 64.8
Country 
data
Sub-
Saharan 
Africa
Upper 
middle 
income
Population, age 15+ (millions) 1.7 GNI per capita ($)  7,430.0 
Sub-Saharan Africa  U pper middle income
Botswana

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
35The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
Country 
data
Latin 
America 
& Carib.
Upper 
middle 
income
Population, age 15+ (millions) 169 GNI per capita ($)  8,140.0 
Latin America & Caribbean  U pper middle income
Brazil
 86.4 69.7 84.0
 84.0 67.1 82.6
 55.9 39.5 56.6
 85.6 66.4 83.2
 58.2 37.3 10.4
 70.8 54.1 74.9
 82.3 65.9 82.5
 78.1 59.5 76.7
 75.9 58.4 62.4
 85.4 65.0 78.5
 77.4 59.4 80.7
 76.5 59.8 78.6
 60.1 42.5 68.4
 52.4 37.3 66.6
 54.8 34.8 61.8
 25.5 18.8 24.0
 24.9 17.4 20.0
 46.7 45.4 66.6
 38.6 28.8 55.4
 25.4 17.9 35.1
5.6 8.4 18.4
 63.6 53.4 54.2
 46.9 28.5 36.2
 58.2 54.6 74.6
 49.0 47.5 72.4
 39.2 38.6 60.7
 40.9 34.7 41.1
 92.1 88.7 94.6
 91.9 88.3 94.4
 90.1 84.5 93.1
 71.8 69.8 83.7
 71.3 67.6 82.5
 64.7 61.1 76.0
 71.8 63.3 64.8

36 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
84.7 77.8 84.0
84.0 77.6 82.6
52.8 44.4 56.6
84.7 77.6 83.2
..* 8.4 10.4
63.1 61.4 74.9
85.0 73.9 82.5
77.7 71.0 76.7
72.9 66.5 62.4
80.7 74.6 78.5
77.6 69.1 80.7
75.2 73.7 78.6
54.7 51.4 68.4
49.1 53.7 66.6
26.2 42.2 61.8
43.5 27.6 24.0
31.0 22.5 20.0
64.1 40.6 66.6
47.7 23.3 55.4
23.1 13.5 35.1
3.5 8.4 18.4
35.0 55.1 54.2
14.0 28.8 36.2
72.9 64.0 74.6
71.4 59.0 72.4
57.6 50.6 60.7
29.6 24.0 41.1
92.4 93.6 94.6
93.0 92.0 94.4
88.6 92.2 93.1
76.5 82.4 83.7
74.4 79.9 82.5
67.3 78.4 76.0
..* 63.1 64.8
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
income
Population, age 15+ (millions) 5.5 GNI per capita ($)  13,350.0 
Europe & Central Asia  U pper middle income
Bulgaria

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
37The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
 51.4 58.2 46.4
 36.1 49.3 35.2
 13.4 23.3 10.4
 20.5 37.8 25.8
 44.2 40.0 31.8
 44.9 48.9 34.7
 44.0 52.3 40.6
 38.5 47.2 37.3
 40.6 44.7 35.3
 47.1 52.4 42.2
 48.4 50.6 37.1
 33.3 41.7 26.9
 12.0 19.5 8.5
 5.4 12.9 5.0
14.0 15.6 10.0
 6.5 8.9 5.4
 7.6 9.5 4.4
 56.0 60.7 54.9
 32.9 34.7 27.6
 15.9 23.0 16.4
 20.0 28.1 29.1
 68.5 70.4 69.2
 8.5 12.4 10.3
 61.6 41.3 43.8
 59.3 36.9 39.9
 52.4 30.8 34.7
 27.7 36.6 32.2
 87.8 74.7 63.1
 84.7 70.5 55.9
 85.0 66.1 52.8
 37.2 32.9 21.8
 29.3 29.3 17.9
 29.1 21.5 12.9
 41.0 36.1 29.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Population, age 15+ (millions) 13.3 GNI per capita ($) 850.0
Sub-Saharan Africa  L ow income
Burkina Faso

38 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
39.0 83.3 70.4
33.4 79.7 62.1
3.7 55.0 30.5
37.3 82.2 65.0
16.9 6.9 24.4
32.2 74.6 36.8
36.8 83.5 67.6
28.1 75.7 63.4
29.6 50.3 59.9
34.0 75.4 71.7
32.3 80.2 47.3
26.1 74.8 38.4
19.8 67.4 19.9
2.8 64.1 12.3
13.2 62.3 16.2
5.9 17.5 15.6
10.4 16.7 11.2
39.7 71.2 42.9
10.6 58.9 26.1
6.7 38.8 15.0
3.9 20.3 14.4
65.5 53.3 62.4
16.5 34.5 14.1
59.2 77.5 40.6
54.5 77.1 34.9
48.1 64.3 28.5
20.8 43.7 27.3
81.3 94.0 75.1
78.3 94.0 66.6
76.6 92.0 67.2
76.8 85.8 50.0
74.5 85.4 42.8
70.6 77.6 36.4
35.0 60.0 42.3
Country 
data
East 
Asia & 
Pacific
Lower 
middle 
income
Population, age 15+ (millions) 12.2 GNI per capita ($)  1,690.0 
East Asia & Pacific  L ower middle income
Cambodia

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
39The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
60.9 58.2 70.4
51.7 49.3 62.1
14.8 23.3 30.5
21.0 37.8 65.0
55.1 40.0 24.4
56.2 48.9 36.8
52.9 52.3 67.6
44.9 47.2 63.4
37.2 44.7 59.9
49.3 52.4 71.7
59.6 50.6 47.3
49.9 41.7 38.4
20.3 19.5 19.9
8.9 12.9 12.3
16.2 15.6 16.2
7.0 8.9 15.6
9.6 9.5 11.2
65.7 60.7 42.9
31.2 34.7 26.1
23.5 23.0 15.0
38.3 28.1 14.4
69.2 70.4 62.4
10.1 12.4 14.1
52.4 41.3 40.6
46.8 36.9 34.9
38.6 30.8 28.5
36.1 36.6 27.3
77.8 74.7 75.1
73.9 70.5 66.6
67.1 66.1 67.2
41.6 32.9 50.0
39.9 29.3 42.8
21.9 21.5 36.4
44.3 36.1 42.3
Population, age 15+ (millions) 16.5 GNI per capita ($)  1,640.0 
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Sub-Saharan Africa  L ower middle income
Cameroon

40 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
98.4 94.9
99.6 95.8
95.8 87.5
98.4 94.9
..* ..*
..* ..*
98.8 94.5
98.6 92.8
97.9 91.8
98.7 95.1
..* ..*
98.3 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
63.9 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
89.4 95.5
87.0 95.1
88.6 93.8
84.1 88.1
80.6 86.7
83.0 83.6
..* ..*
 H igh income
Country 
data
High 
income
Population, age 15+ (millions) 34 GNI per capita ($) 54,040.0
Canada

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
41The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
20.9 58.2 46.4
23.7 49.3 35.2
9.0 23.3 10.4
15.0 37.8 25.8
13.3 40.0 31.8
15.9 48.9 34.7
20.1 52.3 40.6
21.1 47.2 37.3
10.9 44.7 35.3
19.3 52.4 42.2
18.0 50.6 37.1
18.1 41.7 26.9
5.0 19.5 8.5
7.3 12.9 5.0
3.8 15.6 10.0
5.5 8.9 5.4
1.7 9.5 4.4
45.5 60.7 54.9
14.1 34.7 27.6
9.1 23.0 16.4
30.3 28.1 29.1
77.7 70.4 69.2
11.5 12.4 10.3
42.4 41.3 43.8
39.3 36.9 39.9
27.0 30.8 34.7
27.5 36.6 32.2
53.4 74.7 63.1
43.0 70.5 55.9
41.2 66.1 52.8
8.7 32.9 21.8
6.7 29.3 17.9
2.4 21.5 12.9
19.0 36.1 29.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Population, age 15+ (millions) 10.3 GNI per capita ($) 690.0
Sub-Saharan Africa  L ow income
Chad

42 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
85.1 94.9
87.1 95.8
42.2 87.5
85.1 94.9
..* ..*
..* ..*
83.2 94.5
75.4 92.8
76.7 91.8
83.9 95.1
..* ..*
84.3 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
31.1 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
95.6 95.5
96.3 95.1
92.8 93.8
86.9 88.1
88.8 86.7
80.2 83.6
..* ..*
 H igh income
Country 
data
High 
income
Population, age 15+ (millions) 16.2 GNI per capita ($) 15,800.0
Chile

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
43The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
89.4 83.3 84.0
88.7 79.7 82.6
63.8 55.0 56.6
89.4 82.2 83.2
..* 6.9 10.4
83.2 74.6 74.9
89.2 83.5 82.5
82.7 75.7 76.7
..* 50.3 62.4
84.3 75.4 78.5
88.7 80.2 80.7
86.2 74.8 78.6
79.6 67.4 68.4
81.5 64.1 66.6
74.3 62.3 61.8
..* 17.5 24.0
..* 16.7 20.0
75.5 71.2 66.6
66.5 58.9 55.4
44.7 38.8 35.1
22.8 20.3 18.4
54 53.3 54.2
40.7 34.5 36.2
83.7 77.5 74.6
83.9 77.1 72.4
70.3 64.3 60.7
45 43.7 41.1
96.6 94.0 94.6
96.8 94.0 94.4
95.9 92.0 93.1
88.2 85.8 83.7
87.9 85.4 82.5
80.3 77.6 76.0
..* 60.0 64.8
Country 
data
East 
Asia & 
Pacific
Upper 
middle 
income
East Asia & Pacific  U pper middle income
Population, age 15+ (millions) 1,176.7 GNI per capita ($)  12,850.0 
China

44 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Country 
data
Latin 
America & 
Caribbean
Upper 
middle 
income
57.1 69.7 84.0
59.7 67.1 82.6
30.4 39.5 56.6
43.4 66.4 83.2
39.1 37.3 10.4
46.0 54.1 74.9
51.0 65.9 82.5
42.9 59.5 76.7
36.6 58.4 62.4
51.5 65.0 78.5
49.2 59.4 80.7
52.1 59.8 78.6
26.1 42.5 68.4
20.4 37.3 66.6
18.9 34.8 61.8
8.4 18.8 24.0
16.5 17.4 20.0
34.7 45.4 66.6
25.0 28.8 55.4
13.5 17.9 35.1
5.4 8.4 18.4
46.3 53.4 54.2
13.5 28.5 36.2
49.6 54.6 74.6
43.7 47.5 72.4
34.1 38.6 60.7
29.9 34.7 41.1
88.1 88.7 94.6
88.3 88.3 94.4
81.9 84.5 93.1
73.3 69.8 83.7
71.9 67.6 82.5
63.0 61.1 76.0
56.9 63.3 64.8
Latin America & Caribbean  U pper middle income
Population, age 15+ (millions) 41.5 GNI per capita ($) 6,500.0 
Colombia

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
45The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
45.5 58.2 70.4
34.3 49.3 62.1
21.7 23.3 30.5
40.8 37.8 65.0
14.1 40.0 24.4
23.1 48.9 36.8
41.8 52.3 67.6
35.0 47.2 63.4
31.9 44.7 59.9
45.8 52.4 71.7
28.3 50.6 47.3
19.8 41.7 38.4
6.8 19.5 19.9
2.4 12.9 12.3
4.7 15.6 16.2
8.0 8.9 15.6
3.5 9.5 11.2
44.3 60.7 42.9
20.2 34.7 26.1
13.8 23.0 15.0
24.3 28.1 14.4
68.2 70.4 62.4
10.7 12.4 14.1
50.3 41.3 40.6
45.2 36.9 34.9
38.2 30.8 28.5
42.4 36.6 27.3
71.9 74.7 75.1
65.4 70.5 66.6
67.6 66.1 67.2
47.4 32.9 50.0
42.0 29.3 42.8
45.4 21.5 36.4
34.5 36.1 42.3
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Population, age 15+ (millions) 0.5 GNI per capita ($)  1,610.0 
Sub-Saharan Africa  L ower middle income
Comoros

46 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
39.2 58.2 46.4
27.4 49.3 35.2
3.7 23.3 10.4
13.5 37.8 25.8
35.1 40.0 31.8
35.9 48.9 34.7
33.5 52.3 40.6
26.5 47.2 37.3
19.0 44.7 35.3
29.9 52.4 42.2
37.1 50.6 37.1
25.9 41.7 26.9
7.4 19.5 8.5
5.0 12.9 5.0
3.9 15.6 10.0
5.0 8.9 5.4
2.8 9.5 4.4
58.0 60.7 54.9
26.7 34.7 27.6
13.1 23.0 16.4
27.9 28.1 29.1
70.7 70.4 69.2
8.8 12.4 10.3
51.8 41.3 43.8
43.9 36.9 39.9
35.0 30.8 34.7
30.7 36.6 32.2
54.4 74.7 63.1
50.4 70.5 55.9
39.8 66.1 52.8
20.6 32.9 21.8
16.4 29.3 17.9
10.5 21.5 12.9
29.0 36.1 29.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Population, age 15+ (millions) 57.0 GNI per capita ($) 610.0
Sub-Saharan Africa  L ow income
Congo, Dem. Rep.

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
47The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
55.6 58.2 70.4
47.1 49.3 62.1
10.0 23.3 30.5
14.7 37.8 65.0
51.6 40.0 24.4
53.0 48.9 36.8
50.6 52.3 67.6
41.7 47.2 63.4
45.1 44.7 59.9
46.7 52.4 71.7
54.2 50.6 47.3
44.4 41.7 38.4
9.9 19.5 19.9
7.6 12.9 12.3
5.9 15.6 16.2
4.6 8.9 15.6
3.1 9.5 11.2
53.8 60.7 42.9
28.6 34.7 26.1
20.3 23.0 15.0
23.2 28.1 14.4
64.7 70.4 62.4
6.4 12.4 14.1
42.3 41.3 40.6
39.4 36.9 34.9
29.3 30.8 28.5
35.0 36.6 27.3
73.2 74.7 75.1
69.8 70.5 66.6
61.1 66.1 67.2
26.6 32.9 50.0
23.4 29.3 42.8
14.9 21.5 36.4
32.7 36.1 42.3
Population, age 15+ (millions) 3.7 GNI per capita ($)  2,290.0 
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Sub-Saharan Africa  L ower middle income
Congo, Rep.

48 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
71.4 69.7 84.0
68.5 67.1 82.6
50.4 39.5 56.6
71.4 66.4 83.2
..* 37.3 10.4
57.6 54.1 74.9
68.3 65.9 82.5
62.8 59.5 76.7
57.3 58.4 62.4
71.6 65.0 78.5
60.5 59.4 80.7
59.2 59.8 78.6
47.2 42.5 68.4
38.8 37.3 66.6
35.9 34.8 61.8
19.8 18.8 24.0
19.7 17.4 20.0
51.3 45.4 66.6
34.9 28.8 55.4
21.9 17.9 35.1
5.4 8.4 18.4
37.7 53.4 54.2
14.2 28.5 36.2
52.7 54.6 74.6
42.9 47.5 72.4
37.6 38.6 60.7
32.9 34.7 41.1
91.9 88.7 94.6
94.3 88.3 94.4
88.0 84.5 93.1
80.7 69.8 83.7
82.8 67.6 82.5
72.7 61.1 76.0
65.8 63.3 64.8
Population, age 15+ (millions) 4.1 GNI per capita ($)  12,920.0 
Latin America & Caribbean  U pper middle income
Country 
data
Latin 
America & 
Caribbean
Upper 
middle 
income
Costa Rica

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
49The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
57.6 58.2 70.4
50.8 49.3 62.1
..* 23.3 30.5
 
16.8 37.8 65.0
53.4 40.0 24.4
53.9 48.9 36.8
 
53.8 52.3 67.6
43.5 47.2 63.4
45.8 44.7 59.9
51.4 52.4 71.7
 
56.5 50.6 47.3
47.7 41.7 38.4
9.2 19.5 19.9
5.8 12.9 12.3
25.6 15.6 16.2
6.4 8.9 15.6
6.6 9.5 11.2
 
64.3 60.7 42.9
35.6 34.7 26.1
19.5 23.0 15.0
26.7 28.1 14.4
 
67.0 70.4 62.4
6.2 12.4 14.1
 
46.4 41.3 40.6
44.9 36.9 34.9
34.6 30.8 28.5
33.7 36.6 27.3
 
89.2 74.7 75.1
84.5 70.5 66.6
85.0 66.1 67.2
45.7 32.9 50.0
40.4 29.3 42.8
33.0 21.5 36.4
40.6 36.1 42.3
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Sub-Saharan Africa  L ower middle income
Population, age 15+ (millions) 18.3 GNI per capita ($)  2,470.0 
Côte d’Ivoire

50 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Population, age 15+ (millions) 3.3 GNI per capita ($)  19,600.0 
92.6 94.9
91.8 95.8
88.4 87.5
92.6 94.9
..* ..*
77.9 ..*
92.1 94.5
87.6 92.8
83.2 91.8
92.0 95.1
88.5 ..*
87.1 94.0
65.3 ..*
63.3 ..*
51.0 ..*
46.4 ..*
34.8 ..*
65.3 ..*
45.8 ..*
25.2 57.3
8.5 ..*
52.7 ..*
37.8 ..*
66.9 ..*
67.5 ..*
55.5 ..*
25.4 ..*
96.8 95.5
97.4 95.1
95.1 93.8
86.4 88.1
84.2 86.7
77.8 83.6
..* ..*
Country 
data
High 
income
 H igh income
Croatia

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
51The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
Population, age 15+ (millions) 1.1 GNI per capita ($)  32,960.0 
96.1 94.9
93.1 95.8
85.2 87.5
96.1 94.9
..* ..*
..* ..*
98 94.5
94.2 92.8
92.2 91.8
96.1 95.1
..* ..*
87.2 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
28.1 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
98.5 95.5
99.4 95.1
98.6 93.8
90.4 88.1
90.9 86.7
88.2 83.6
..* ..*
Country 
data
High 
income
 H igh income
Cyprus

52 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Population, age 15+ (millions) 9.2 GNI per capita ($)  27,370.0 
92.3 94.9
94.9 95.8
80.7 87.5
92.3 94.9
..* ..*
..* ..*
89.7 94.5
85.6 92.8
87.9 91.8
93.8 95.1
..* ..*
94.1 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
59.8 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
96.8 95.5
95.6 95.1
97.2 93.8
88.3 88.1
84.1 86.7
86.5 83.6
..* ..*
Country 
data
High 
income
 H igh income
Czechia

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
53The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
Population, age 15+ (millions) 5 GNI per capita ($)  73,340.0 
98.7 94.9
100.0 95.8
99.7 87.5
98.7 94.9
..* ..*
..* ..*
98.1 94.5
97.8 92.8
98.3 91.8
98.7 95.1
..* ..*
100.0 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
67.3 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
99.4 95.5
99.5 95.1
99.4 93.8
97.2 88.1
96.2 86.7
96.4 83.6
..* ..*
Country 
data
High 
income
 H igh income
Denmark

54 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Population, age 15+ (millions) 8.3 GNI per capita ($)  9,050.0 
64.8 69.7 84.0
51.3 67.1 82.6
38.2 39.5 56.6
63.3 66.4 83.2
18.0 37.3 10.4
41.8 54.1 74.9
61.4 65.9 82.5
53.0 59.5 76.7
46.3 58.4 62.4
65.5 65.0 78.5
52.5 59.4 80.7
38.7 59.8 78.6
27.6 42.5 68.4
13.2 37.3 66.6
20.3 34.8 61.8
23.8 18.8 24.0
12.6 17.4 20.0
52.1 45.4 66.6
29.2 28.8 55.4
13.2 17.9 35.1
20.3 8.4 18.4
63.8 53.4 54.2
29.3 28.5 36.2
58.0 54.6 74.6
47.7 47.5 72.4
42.9 38.6 60.7
31.4 34.7 41.1
89.2 88.7 94.6
89.8 88.3 94.4
81.4 84.5 93.1
76.5 69.8 83.7
75.8 67.6 82.5
68.1 61.1 76.0
63.8 63.3 64.8
Country 
data
Latin 
America & 
Caribbean
Upper 
middle 
income
Latin America & Caribbean  U pper middle income
Dominican Republic

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
55The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
Population, age 15+ (millions) 13.5 GNI per capita ($)  6,300.0 
Latin America & Caribbean  U pper middle income
Country 
data
Latin 
America & 
Caribbean
Upper 
middle 
income
64.5 69.7 84.0
64.2 67.1 82.6
36.7 39.5 56.6
63.9 66.4 83.2
10.1 37.3 10.4
38.4 54.1 74.9
63.5 65.9 82.5
56.4 59.5 76.7
44.6 58.4 62.4
62.6 65.0 78.5
43.3 59.4 80.7
46.9 59.8 78.6
20.8 42.5 68.4
15.9 37.3 66.6
19.6 34.8 61.8
8.8 18.8 24.0
13.3 17.4 20.0
36.4 45.4 66.6
22.3 28.8 55.4
13.1 17.9 35.1
9.3 8.4 18.4
48.0 53.4 54.2
16.1 28.5 36.2
50.4 54.6 74.6
41.5 47.5 72.4
34.2 38.6 60.7
32.4 34.7 41.1
88.2 88.7 94.6
86.7 88.3 94.4
82.5 84.5 93.1
64.6 69.8 83.7
58.4 67.6 82.5
50.5 61.1 76.0
52.6 63.3 64.8
Ecuador

56 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Population, age 15+ (millions) 77.4 GNI per capita ($)  4,100.0 
Middle East & North Africa  L ower middle income
43.1 52.9 70.4
27.4 45.4 62.1
9.7 33.0 30.5
35.3 50.0 65.0
15.6 10.7 24.4
28.2 38.0 36.8
40.2 45.6 67.6
33.1 45.9 63.4
41.0 44.4 59.9
39.3 52.4 71.7
36.3 43.9 47.3
20.2 38.0 38.4
5.2 26.2 19.9
3.5 7.5 12.3
2.8 14.1 16.2
18.9 17.3 15.6
4.7 5.2 11.2
23.0 35.1 42.9
13.8 17.0 26.1
4.2 11.0 15.0
6.5 8.0 14.4
56.1 57.8 62.4
10.4 12.4 14.1
41.4 60.1 40.6
39.7 57.2 34.9
28.1 47.0 28.5
26.4 27.9 27.3
84.6 89.3 75.1
77.3 86.0 66.6
84.6 89.3 67.2
55.7 68.8 50.0
44.6 64.6 42.8
45.0 61.6 36.4
47.0 54.4 42.3
Egypt, Arab Rep.

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
57The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
43.4 69.7 70.4
35.8 67.1 62.1
13.8 39.5 30.5
42.9 66.4 65.0
5.8 37.3 24.4
21.3 54.1 36.8
34.4 65.9 67.6
24.7 59.5 63.4
29.9 58.4 59.9
39.7 65.0 71.7
28.0 59.4 47.3
27.8 59.8 38.4
10.0 42.5 19.9
9.9 37.3 12.3
7.9 34.8 16.2
6.8 18.8 15.6
7.1 17.4 11.2
40.5 45.4 42.9
13.6 28.8 26.1
8.4 17.9 15.0
6.3 8.4 14.4
37.9 53.4 62.4
11.5 28.5 14.1
52.3 54.6 40.6
45.0 47.5 34.9
35.4 38.6 28.5
27.5 34.7 27.3
87.4 88.7 75.1
85.7 88.3 66.6
77.8 84.5 67.2
73.2 69.8 50.0
69.3 67.6 42.8
61.6 61.1 36.4
47.3 63.3 42.3
Population, age 15+ (millions) 4.7 GNI per capita ($)  4,720.0 
Country 
data
Latin 
America & 
Caribbean
Lower 
middle 
income
Latin America & Caribbean  L ower middle income
El Salvador

58 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
98.9 94.9
99.4 95.8
96.8 87.5
98.9 94.9
..* ..*
..* ..*
99.8 94.5
98.0 92.8
99.1 91.8
98.5 95.1
..* ..*
98.7 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
61.8 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
99.2 95.5
99.2 95.1
99.5 93.8
95.2 88.1
95.2 86.7
93.5 83.6
..* ..*
Country 
data
High 
income
 H igh income
Population, age 15+ (millions) 1.2 GNI per capita ($)  27,620.0 
Estonia

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
59The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
65.1 58.2 70.4
66.2 49.3 62.1
28.6 23.3 30.5
43.1 37.8 65.0
50.4 40.0 24.4
56.6 48.9 36.8
65.4 52.3 67.6
54.5 47.2 63.4
49.8 44.7 59.9
65.1 52.4 71.7
61.2 50.6 47.3
64.5 41.7 38.4
18.2 19.5 19.9
20.7 12.9 12.3
35.7 15.6 16.2
16.1 8.9 15.6
15.2 9.5 11.2
58.3 60.7 42.9
30.2 34.7 26.1
33.4 23.0 15.0
21.2 28.1 14.4
70.7 70.4 62.4
23.5 12.4 14.1
24.0 41.3 40.6
21.3 36.9 34.9
17.1 30.8 28.5
39.0 36.6 27.3
86.2 74.7 75.1
84.8 70.5 66.6
85.0 66.1 67.2
49.0 32.9 50.0
46.5 29.3 42.8
36.2 21.5 36.4
43.9 36.1 42.3
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Population, age 15+ (millions) 0.8 GNI per capita ($)  3,750.0 
Sub-Saharan Africa  L ower middle income
Eswatini

60 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
48.8 58.2 46.4
46.5 49.3 35.2
..* 23.3 10.4
48.5 37.8 25.8
9.5 40.0 31.8
16.1 48.9 34.7
41.6 52.3 40.6
42.6 47.2 37.3
41.6 44.7 35.3
43.3 52.4 42.2
20.7 50.6 37.1
19.7 41.7 26.9
5.9 19.5 8.5
2.5 12.9 5.0
6.8 15.6 10.0
3.3 8.9 5.4
1.9 9.5 4.4
49.1 60.7 54.9
25.8 34.7 27.6
22.9 23.0 16.4
32.2 28.1 29.1
53.7 70.4 69.2
4.3 12.4 10.3
35.3 41.3 43.8
32.2 36.9 39.9
29.8 30.8 34.7
27.9 36.6 32.2
58.0 74.7 63.1
44.0 70.5 55.9
47.8 66.1 52.8
16.3 32.9 21.8
10.8 29.3 17.9
9.7 21.5 12.9
24.0 36.1 29.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Population, age 15+ (millions) 78 GNI per capita ($)  1,020.0 
Sub-Saharan Africa  L ow income
Ethiopia

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
61The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
99.8 94.9
99.5 95.8
99.7 87.5
99.8 94.9
..* ..*
..* ..*
99.7 94.5
100.0 92.8
99.6 91.8
100.0 95.1
..* ..*
98.5 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
62.0 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
99.2 95.5
99.1 95.1
98.5 93.8
92.3 88.1
90.8 86.7
88.6 83.6
..* ..*
Population, age 15+ (millions) 4.7 GNI per capita ($)  53,230.0 
Country 
data
High 
income
 H igh income
Finland

62 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
99.2 94.9
99.2 95.8
97.0 87.5
99.2 94.9
..* ..*
..* ..*
99.8 94.5
98.7 92.8
99.2 91.8
99.6 95.1
..* ..*
98.4 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
53.7 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
91.0 95.5
93.6 95.1
91.7 93.8
82.6 88.1
84.4 86.7
84.2 83.6
..* ..*
Population, age 15+ (millions) 56.8 GNI per capita ($)  45,180.0 
Country 
data
High 
income
 H igh income
France

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
63The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
68.2 58.2 84.0
66.1 49.3 82.6
18.9 23.3 56.6
24.8 37.8 83.2
61.6 40.0 10.4
63.1 48.9 74.9
63.7 52.3 82.5
60.0 47.2 76.7
58.7 44.7 62.4
64.9 52.4 78.5
66.5 50.6 80.7
65.5 41.7 78.6
20.1 19.5 68.4
17.7 12.9 66.6
38.2 15.6 61.8
7.7 8.9 24.0
8.0 9.5 20.0
69.7 60.7 66.6
39.1 34.7 55.4
27.5 23.0 35.1
32.4 28.1 18.4
59.2 70.4 54.2
6.5 12.4 36.2
42.6 41.3 74.6
40.3 36.9 72.4
30.6 30.8 60.7
43.3 36.6 41.1
87.2 74.7 94.6
87.4 70.5 94.4
82.9 66.1 93.1
59.9 32.9 83.7
56.4 29.3 82.5
50.5 21.5 76.0
49.4 36.1 64.8
Population, age 15+ (millions) 1.6 GNI per capita ($)  7,530.0 
Sub-Saharan Africa  L ower middle income
Country 
data
Sub-
Saharan 
Africa
Upper 
middle 
income
Gabon

64 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
38.2 58.2 46.4
33.0 49.3 35.2
..* 23.3 10.4
30.8 37.8 25.8
19.1 40.0 31.8
22.8 48.9 34.7
34.9 52.3 40.6
34.4 47.2 37.3
31.1 44.7 35.3
31.4 52.4 42.2
27.7 50.6 37.1
22.4 41.7 26.9
3.2 19.5 8.5
3.4 12.9 5.0
6.1 15.6 10.0
5.5 8.9 5.4
2.9 9.5 4.4
56.4 60.7 54.9
24.8 34.7 27.6
16.9 23.0 16.4
25.5 28.1 29.1
57.6 70.4 69.2
5.5 12.4 10.3
49.7 41.3 43.8
48.1 36.9 39.9
43.0 30.8 34.7
22.8 36.6 32.2
79.8 74.7 63.1
78.8 70.5 55.9
71.6 66.1 52.8
64.1 32.9 21.8
66.4 29.3 17.9
54.8 21.5 12.9
50.2 36.1 29.0
Population, age 15+ (millions) 1.6 GNI per capita ($)  800.0 
Country 
data
Sub-
Saharan 
Africa
Low 
income
Sub-Saharan Africa  L ow income
Gambia, The

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
65The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
78.8 77.8 84.0
70.5 77.6 82.6
33.0 44.4 56.6
78.8 77.6 83.2
..* 8.4 10.4
59.0 61.4 74.9
81.3 73.9 82.5
69.1 71.0 76.7
74.2 66.5 62.4
73.1 74.6 78.5
69.4 69.1 80.7
62.2 73.7 78.6
47.6 51.4 68.4
31.1 53.7 66.6
34.0 42.2 61.8
35.1 27.6 24.0
16.4 22.5 20.0
36.2 40.6 66.6
18.7 23.3 55.4
8.5 13.5 35.1
5.2 8.4 18.4
58.5 55.1 54.2
24.4 28.8 36.2
67.1 64.0 74.6
65.2 59.0 72.4
55.2 50.6 60.7
19.9 24.0 41.1
95.0 93.6 94.6
96.0 92.0 94.4
93.2 92.2 93.1
82.3 82.4 83.7
84.5 79.9 82.5
76.2 78.4 76.0
..* 63.1 64.8
Population, age 15+ (millions) 2.9 GNI per capita ($)  5,600.0 
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
income
Europe & Central Asia  U pper middle income
Georgia

66 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Population, age 15+ (millions) 71.7 GNI per capita ($)  54,800.0 
98.3 94.9
100.0 95.8
98.1 87.5
98.3 94.9
..* ..*
..* ..*
98.9 94.5
98.6 92.8
96.7 91.8
99.0 95.1
..* ..*
99.5 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
57.1 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
92.0 95.5
89.9 95.1
91.9 93.8
84.5 88.1
82.8 86.7
80.2 83.6
..* ..*
Country 
data
High 
income
 H igh income
Germany

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
67The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
81.2 58.2 70.4
68.2 49.3 62.1
29.4 23.3 30.5
38.7 37.8 65.0
78.3 40.0 24.4
79.3 48.9 36.8
78.3 52.3 67.6
69.6 47.2 63.4
58.4 44.7 59.9
76.4 52.4 71.7
80.4 50.6 47.3
65.6 41.7 38.4
27.3 19.5 19.9
14.9 12.9 12.3
14.5 15.6 15.6
9.3 8.9 15.6
16.6 9.5 11.2
82.0 60.7 42.9
67.2 34.7 26.1
45.8 23.0 15.0
24.9 28.1 14.4
74.2 70.4 62.4
29.5 12.4 14.1
54.9 41.3 40.6
51.4 36.9 34.9
38.9 30.8 28.5
27.6 36.6 27.3
87.7 74.7 75.1
87.2 70.5 66.6
76.5 66.1 67.2
53.5 32.9 50.0
47.0 29.3 42.8
33.4 21.5 36.4
44.8 36.1 42.3
Population, age 15+ (millions) 21.6 GNI per capita ($)  2,380.0 
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Sub-Saharan Africa  L ower middle income
Ghana

68 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Country 
data
High 
income
88.6 94.9
94.9 95.8
77.9 87.5
88.6 94.9
..* ..*
..* ..*
84.1 94.5
79.6 92.8
84.4 91.8
86.8 95.1
..* ..*
91.4 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
26.5 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
95.2 95.5
91.7 95.1
91.7 93.8
86.3 88.1
82.6 86.7
81.3 83.6
..* ..*
Population, age 15+ (millions) 9.0 GNI per capita ($)  22,590.0 
 H igh income
Greece

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
69The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
38.3 69.7 84.0
37.0 67.1 82.6
22.3 39.5 56.6
37.5 66.4 83.2
3.3 37.3 10.4
13.2 54.1 74.9
32.5 65.9 82.5
28.3 59.5 76.7
28.6 58.4 62.4
32.7 65.0 78.5
22.6 59.4 80.7
25.9 59.8 78.6
5.5 42.5 68.4
8.8 37.3 66.6
4.9 34.8 61.8
3.6 18.8 24.0
4.7 17.4 20.0
34.0 45.4 66.6
10.8 28.8 55.4
10.5 17.9 35.1
7.6 8.4 18.4
41.3 53.4 54.2
8.9 28.5 36.2
39.1 54.6 74.6
33.3 47.5 72.4
24.5 38.6 60.7
31.7 34.7 41.1
81.0 88.7 94.6
78.5 88.3 94.4
71.4 84.5 93.1
63.1 69.8 83.7
58.3 67.6 82.5
49.3 61.1 76.0
43.0 63.3 64.8
Country 
data
Latin 
America & 
Caribbean
Upper 
middle 
income
Latin America & Caribbean  U pper middle income
Guatemala
Population, age 15+ (millions) 12.3 GNI per capita ($)  5,350.0 

70 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
36.0 58.2 46.4
30.4 49.3 35.2
3.7 23.3 10.4
16.9 37.8 25.8
25.8 40.0 31.8
29.3 48.9 34.7
31.2 52.3 40.6
29.3 47.2 37.3
28.1 44.7 35.3
29.6 52.4 42.2
31.8 50.6 37.1
27.6 41.7 26.9
8.4 19.5 8.5
5.6 12.9 5.0
5.5 15.6 10.0
5.6 8.9 5.4
2.2 9.5 4.4
51.4 60.7 54.9
23.3 34.7 27.6
12.9 23.0 16.4
28.8 28.1 29.1
75.6 70.4 69.2
10.8 12.4 10.3
34.2 41.3 43.8
33.6 36.9 39.9
27.2 30.8 34.7
32.1 36.6 32.2
82.2 74.7 63.1
78.1 70.5 55.9
76.4 66.1 52.8
26.6 32.9 21.8
23.6 29.3 17.9
17.9 21.5 12.9
31.3 36.1 29.0
Population, age 15+ (millions) 8.5 GNI per capita ($)  1,190.0 
Country 
data
Sub-
Saharan 
Africa
Low 
income
Sub-Saharan Africa  L ow income
Guinea

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
71The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
42.4 69.7 70.4
37.8 67.1 62.1
20.5 39.5 30.5
39.3 66.4 65.0
10.9 37.3 24.4
22.9 54.1 36.8
34.1 65.9 67.6
33.7 59.5 63.4
26.9 58.4 59.9
37.3 65.0 71.7
30 59.4 47.3
31.6 59.8 38.4
9.9 42.5 19.9
9.6 37.3 12.3
5.8 34.8 16.2
4.2 18.8 15.6
6.6 17.4 11.2
41.2 45.4 42.9
18.1 28.8 26.1
11.5 17.9 15.0
5.7 8.4 14.4
49.4 53.4 62.4
10.6 28.5 14.1
54.5 54.6 40.6
45.4 47.5 34.9
40.4 38.6 28.5
28.8 34.7 27.3
80.7 88.7 75.1
82.6 88.3 66.6
72.1 84.5 67.2
64.5 69.8 50.0
65.5 67.6 42.8
55.4 61.1 36.4
42.3 63.3 42.3
Country 
data
Latin 
America & 
Caribbean
Lower 
middle 
income
Population, age 15+ (millions) 7.3 GNI per capita ($)  2,750.0 
Latin America & Caribbean  L ower middle income
Honduras

72 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
97.3 94.9
97.8 95.8
88.7 87.5
97.3 94.9
..* ..*
..* ..*
96.8 94.5
93.8 92.8
94.4 91.8
100 95.1
..* ..*
92.8 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
59.5 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
98.4 95.5
97.8 95.1
96.4 93.8
92.4 88.1
91.5 86.7
84.8 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 6.7 GNI per capita ($)  55,170.0 
 H igh income
Hong Kong SAR, China

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
73The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
87.0 94.9
88.2 95.8
72.7 87.5
87.0 94.9
..* ..*
..* ..*
83.7 94.5
78.9 92.8
76.5 91.8
83.8 95.1
..* ..*
86.4 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
31.9 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
97.1 95.5
95.5 95.1
94.7 93.8
86.9 88.1
83.1 86.7
78.5 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 8.2 GNI per capita ($)  19,670.0 
 H igh income
Hungary

74 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
99.9 94.9
100.0 95.8
..* 87.5
99.9 94.9
..* ..*
..* ..*
99.7 94.5
100.0 92.8
100.0 91.8
99.8 95.1
..* ..*
99.9 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
75.8 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
99.1 95.5
99.4 95.1
98.4 93.8
97.0 88.1
97.3 86.7
96.0 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 0.3 GNI per capita ($) 80,400
 H igh income
Iceland

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
75The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
89 77.6 70.4
77.5 68.0 62.1
35.2 32.2 30.5
88.7 75.3 65.0
23.1 21.9 24.4
31.1 28.9 36.8
89.2 75.1 67.6
86.3 73.3 63.4
85.4 67.6 59.9
89.9 80.2 71.7
48.5 44.2 47.3
34.9 33.7 38.4
18.3 15.2 19.9
11.9 9.7 12.3
15.2 13.7 16.2
21.2 17.8 15.6
12 10.7 11.2
38.6 35.7 42.9
27 23.8 26.1
14.1 12.4 15.0
13.1 13.1 14.4
63.3 64.7 62.4
15.1 14.2 14.1
30.1 31.4 40.6
22.6 23.6 34.9
18.7 19.5 28.5
22 20.6 27.3
66.5 67.8 75.1
54.3 53.9 66.6
56 57.6 67.2
42 40.8 50.0
31.8 29.9 42.8
25 24.4 36.4
38.3 37.4 42.3
Country 
data
South 
Asia
Lower 
middle 
income
Population, age 15+ (millions)  1,077.7 GNI per capita ($)  2,390.0 
South Asia L ower middle income
India

76 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Country 
data
East 
Asia & 
Pacific
Lower 
middle 
income
Population, age 15+ (millions) 211.1 GNI per capita ($)  4,580.0 
East Asia & Pacific  L ower middle income
56.3 83.3 70.4
51.8 79.7 62.1
19.6 55.0 30.5
52.4 82.2 65.0
22 6.9 24.4
37.4 74.6 36.8
58 83.5 67.6
48.4 75.7 63.4
46.3 50.3 59.9
56 75.4 71.7
42.7 80.2 47.3
37.2 74.8 38.4
13.6 67.4 19.9
13 64.1 12.3
11.6 62.3 16.2
15.7 17.5 15.6
8.7 16.7 11.2
53 71.2 42.9
27.3 58.9 26.1
20.5 38.8 15.0
18.1 20.3 14.4
47.6 53.3 62.4
15.1 34.5 14.1
60.3 77.5 40.6
58.6 77.1 34.9
48 64.3 28.5
39.6 43.7 27.3
80.3 94.0 75.1
79 94.0 66.6
73.1 92.0 67.2
73.7 85.8 50.0
73.1 85.4 42.8
65.9 77.6 36.4
55.5 60.0 42.3
Indonesia

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
77The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
91.1 52.9 70.4
90.0 45.4 62.1
73.7 33.0 30.5
91.1 50.0 65.0
13.1 10.7 24.4
85.1 38.0 36.8
86.8 45.6 67.6
86.9 45.9 63.4
88.2 44.4 59.9
90.7 52.4 71.7
86.0 43.9 47.3
84.5 38.0 38.4
78.6 26.2 19.9
14.4 7.5 12.3
40.6 14.1 16.2
..* 17.3 15.6
..* 5.2 11.2
48.4 35.1 42.9
29.0 17.0 26.1
24.1 11.0 15.0
13.4 8.0 14.4
67.1 57.8 62.4
23.7 12.4 14.1
76.0 60.1 40.6
73.4 57.2 34.9
60.0 47.0 28.5
43.5 27.9 27.3
87.0 89.3 75.1
87.0 86.0 66.6
90.8 89.3 67.2
73.8 68.8 50.0
75.5 64.6 42.8
71.6 61.6 36.4
..* 54.4 42.3
Middle East & North Africa  L ower middle income
Population, age 15+ (millions) 69.9 GNI per capita ($)  3,980.0 
Country 
data
Middle East 
& North 
Africa
Lower 
middle 
income
Iran, Islamic Rep.

78 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
30.2 52.9 84.0
18.6 45.4 82.6
10.6 33.0 56.6
28.3 50.0 83.2
11.9 10.7 10.4
19.4 38.0 74.9
18.8 45.6 82.5
20.2 45.9 76.7
19.5 44.4 62.4
26.4 52.4 78.5
25.0 43.9 80.7
14.2 38.0 78.6
10.5 26.2 68.4
6.1 7.5 66.6
6.4 14.1 61.8
13.1 17.3 24.0
3.9 5.2 20.0
43.3 35.1 66.6
10.2 17.0 55.4
2.2 11.0 35.1
8.6 8.0 18.4
73.0 57.8 54.2
11.6 12.4 36.2
69.1 60.1 74.6
61.7 57.2 72.4
61.3 47.0 60.7
17.5 27.9 41.1
91.5 89.3 94.6
84.8 86.0 94.4
87.7 89.3 93.1
71.1 68.8 83.7
62.0 64.6 82.5
61.9 61.6 76.0
63.1 54.4 64.8
Population, age 15+ (millions) 28.4 GNI per capita ($)  5,270.0 
Country 
data
Middle East 
& North 
Africa
Upper 
middle 
income
Middle East & North Africa  U pper middle income
Iraq

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
79The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
98.3 94.9
99.7 95.8
93.9 87.5
98.3 94.9
..* ..*
..* ..*
96.9 94.5
99.0 92.8
97.8 91.8
99.0 95.1
..* ..*
98.2 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
63.5 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
92.7 95.5
91.0 95.1
88.6 93.8
85.0 88.1
79.7 86.7
81.5 83.6
..* ..*
Population, age 15+ (millions)  4.3 GNI per capita ($)  78,970.0 
Country 
data
High 
income
 H igh income
Ireland

80 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
89.3 94.9
92.9 95.8
90.5 87.5
89.3 94.9
..* ..*
..* ..*
88.1 94.5
80.4 92.8
74.5 91.8
88.4 95.1
..* ..*
91.2 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
59.3 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
96.0 95.5
95.6 95.1
93.3 93.8
83.2 88.1
82.4 86.7
69.7 83.6
..* ..*
Country 
data
High 
income
 H igh income
Israel
Population, age 15+ (millions) 7.1 GNI per capita ($)  54,650.0 

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
81The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
86.0 94.9
97.3 95.8
71.0 87.5
86.0 94.9
..* ..*
..* ..*
79.8 94.5
82.1 92.8
77.8 91.8
88.7 95.1
..* ..*
95.8 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
48.9 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
99.0 95.5
98.6 95.1
98.6 93.8
90.5 88.1
87.5 86.7
88.9 83.6
..* ..*
Population, age 15+ (millions) 51.8 GNI per capita ($)  37,920.0 
Country 
data
High 
income
 H igh income
Italy

82 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
98.5 94.9
98.5 95.8
96.4 87.5
98.5 94.9
..* ..*
..* ..*
98.7 94.5
97.7 92.8
96.9 91.8
100 95.1
..* ..*
95.8 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
63.8 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
93.8 95.5
91.9 95.1
89.1 93.8
83.3 88.1
77.9 86.7
74.5 83.6
..* ..*
Population, age 15+ (millions) 110.0 GNI per capita ($)  39,350.0 
Country 
data
High 
income
 H igh income
Japan

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
83The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
46.5 52.9 84.0
47.1 45.4 82.6
25.5 33.0 56.6
39.6 50.0 83.2
20.6 10.7 10.4
29.5 38.0 74.9
36.2 45.6 82.5
35.7 45.9 76.7
36.5 44.4 62.4
46.8 52.4 78.5
38.2 43.9 80.7
36.4 38.0 78.6
12.5 26.2 68.4
11.9 7.5 66.6
15.8 14.1 61.8
17.4 17.3 24.0
7.0 5.2 20.0
31.6 35.1 66.6
11.1 17.0 55.4
4.3 11.0 35.1
7.8 8.0 18.4
65.2 57.8 54.2
12.7 12.4 36.2
57.6 60.1 74.6
56.9 57.2 72.4
43.5 47.0 60.7
28.7 27.9 41.1
88.4 89.3 94.6
87.2 86.0 94.4
82.0 89.3 93.1
73.2 68.8 83.7
71.5 64.6 82.5
65.5 61.6 76.0
68.7 54.4 64.8
Country 
data
Middle East 
& North 
Africa
Upper 
middle 
income
Population, age 15+ (millions) 7.9 GNI per capita ($)  4,350.0 
Middle East & North Africa  U pper middle income
Jordan

84 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
87.0 77.8 84.0
81.1 77.6 82.6
42.1 44.4 56.6
84.2 77.6 83.2
48.9 8.4 10.4
78.0 61.4 74.9
85.7 73.9 82.5
83.3 71.0 76.7
76.0 66.5 62.4
84.7 74.6 78.5
85.0 69.1 80.7
77.9 73.7 78.6
70.1 51.4 68.4
57.3 53.7 66.6
51.0 42.2 61.8
28.3 27.6 24.0
41.1 22.5 20.0
53.0 40.6 66.6
37.7 23.3 55.4
19.1 13.5 35.1
7.2 8.4 18.4
62.8 55.1 54.2
32.8 28.8 36.2
49.8 64.0 74.6
46.6 59.0 72.4
38.0 50.6 60.7
14.7 24.0 41.1
92.2 93.6 94.6
91.5 92.0 94.4
90.0 92.2 93.1
81.1 82.4 83.7
80.4 79.9 82.5
77.5 78.4 76.0
..* 63.1 64.8
Country 
data
 Europe &  
Central 
Asia 
 Upper 
middle 
income 
Population, age 15+ (millions) 14.3 GNI per capita ($)  9,620.0 
Europe & Central Asia  U pper middle income
Kazakhstan

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
85The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
90.1 58.2 70.4
79.2 49.3 62.1
42.3 23.3 30.5
45.4 37.8 65.0
87.5 40.0 24.4
89.4 48.9 36.8
86.5 52.3 67.6
83.9 47.2 63.4
79.8 44.7 59.9
88.7 52.4 71.7
89.3 50.6 47.3
77.6 41.7 38.4
55.8 19.5 19.9
36.8 12.9 12.3
55.0 15.6 16.2
14.0 8.9 15.6
21.3 9.5 11.2
70.2 60.7 42.9
54.4 34.7 26.1
45.0 23.0 15.0
33.9 28.1 14.4
81.9 70.4 62.4
37.5 12.4 14.1
49.8 41.3 40.6
45.0 36.9 34.9
40.9 30.8 28.5
46.6 36.6 27.3
92.7 74.7 75.1
91.8 70.5 66.6
87.4 66.1 67.2
54.9 32.9 50.0
48.8 29.3 42.8
35.1 21.5 36.4
64.1 36.1 42.3
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Population, age 15+ (millions) 34.6 GNI per capita ($)  2,170.0 
Sub-Saharan Africa  L ower middle income
Kenya

86 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
96.9 94.9
98.7 95.8
93.0 87.5
96.7 94.9
60.1 ..*
..* ..*
97.1 94.5
94.2 92.8
96.5 91.8
95.3 95.1
..* ..*
97.9 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
59.5 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
96.0 95.5
95.0 95.1
90.5 93.8
89.8 88.1
87.9 86.7
78.9 83.6
..* ..*
Population, age 15+ (millions) 46.0 GNI per capita ($)  35,490.0 
 H igh income
Country 
data
High 
income
Korea, Rep.

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
87The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
64.2 77.8 84.0
58.0 77.6 82.6
44.3 44.4 56.6
64.2 77.6 83.2
..* 8.4 10.4
27.1 61.4 74.9
59.8 73.9 82.5
66.7 71.0 76.7
51.5 66.5 62.4
61.6 74.6 78.5
47.1 69.1 80.7
47.6 73.7 78.6
10.0 51.4 68.4
22.0 53.7 66.6
5.3 42.2 61.8
31.0 27.6 24.0
13.4 22.5 20.0
35.1 40.6 66.6
15.8 23.3 55.4
10.3 13.5 35.1
4.0 8.4 18.4
40.6 55.1 54.2
9.6 28.8 36.2
80.5 64.0 74.6
78.8 59.0 72.4
72.4 50.6 60.7
19.6 24.0 41.1
91.1 93.6 94.6
91.1 92.0 94.4
91.2 92.2 93.1
88.1 82.4 83.7
89.5 79.9 82.5
87.6 78.4 76.0
..* 63.1 64.8
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
income
Population, age 15+ (millions) 1.4 GNI per capita ($)  5,660.0 
Europe & Central Asia  U pper middle income
Kosovo

88 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Population, age 15+ (millions) 4.0 GNI per capita ($)  41,320.0 
74.5 94.9
..* 95.8
86.8 87.5
74.5 94.9
..* ..*
..* ..*
71.5 94.5
63.6 92.8
65.7 91.8
72.0 95.1
..* ..*
..* 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
94.7 95.5
94.4 95.1
93.6 93.8
87.3 88.1
84.4 86.7
83.0 83.6
..* ..*
Country 
data
High 
income
Middle East & North Africa  H igh income
Kuwait

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
89The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
Population, age 15+ (millions) 4.8 GNI per capita ($) 1,440.0 
72.3 77.8 70.4
45.1 77.6 62.1
3.8 44.4 30.5
70.0 77.6 65.0
31.0 8.4 24.4
59.1 61.4 36.8
71.2 73.9 67.6
65.6 71.0 63.4
59.7 66.5 59.9
71.3 74.6 71.7
67.5 69.1 47.3
39.4 73.7 38.4
43.4 51.4 19.9
11.4 53.7 12.3
35.4 42.2 16.2
27.3 27.6 15.6
15.6 22.5 11.2
43.7 40.6 42.9
19.5 23.3 26.1
7.4 13.5 15.0
15.4 8.4 14.4
62.9 55.1 62.4
18.0 28.8 14.1
72.9 64.0 40.6
69.3 59.0 34.9
63.3 50.6 28.5
21.4 24.0 27.3
96.0 93.6 75.1
95.4 92.0 66.6
94.4 92.2 67.2
89.8 82.4 50.0
89.8 79.9 42.8
85.1 78.4 36.4
63.3 63.1 42.3
Country 
data
Europe & 
Central 
Asia
Lower 
middle 
income
Europe & Central Asia  L ower middle income
Kyrgyz Republic

90 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
37.7 83.3 70.4
37.3 79.7 62.1
26.8 55.0 30.5
37.2 82.2 65.0
11.8 6.9 24.4
27.3 74.6 36.8
43.6 83.5 67.6
18.3 75.7 63.4
24.2 50.3 59.9
36.4 75.4 71.7
26.5 80.2 47.3
21.2 74.8 38.4
21.5 67.4 19.9
9.0 64.1 12.3
10.7 62.3 16.2
4.9 17.5 15.6
6.8 16.7 11.2
35.6 71.2 42.9
16.0 58.9 26.1
17.2 38.8 15.0
8.4 20.3 14.4
46.3 53.3 62.4
6.9 34.5 14.1
46.7 77.5 40.6
46.8 77.1 34.9
28.9 64.3 28.5
24.8 43.7 27.3
84.4 94.0 75.1
85.2 94.0 66.6
74.6 92.0 67.2
69.3 85.8 50.0
72.4 85.4 42.8
53.5 77.6 36.4
49.7 60.0 42.3
Country 
data
East 
Asia & 
Pacific
Lower 
middle 
income
Population, age 15+ (millions) 5.3 GNI per capita ($)  2,310.0 
East Asia & Pacific  L ower middle income
Lao PDR

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
91The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
95.0 94.9
96.6 95.8
89.7 87.5
95.0 94.9
..* ..*
..* ..*
95.4 94.5
91.6 92.8
94.4 91.8
96.4 95.1
..* ..*
95.3 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
42.9 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
97.9 95.5
98.6 95.1
96.8 93.8
88.7 88.1
87.3 86.7
84.0 83.6
..* ..*
Country 
data
High 
income
 H igh income
Latvia
Population, age 15+ (millions) 1.6 GNI per capita ($) 22,630.0

92 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Country 
data
Middle  
East & 
North Africa
Lower 
middle 
income
Population, age 15+ (millions) 4.2 GNI per capita ($)  4,970.0 
23.0 52.9 70.4
20.7 45.4 62.1
37.0 33.0 30.5
21.6 50.0 65.0
2.7 10.7 24.4
9.5 38.0 36.8
15.3 45.6 67.6
17.6 45.9 63.4
11.8 44.4 59.9
25.0 52.4 71.7
20.3 43.9 47.3
14.0 38.0 38.4
4.1 26.2 19.9
2.8 7.5 12.3
1.8 14.1 16.2
7.0 17.3 15.6
7.3 5.2 11.2
28.6 35.1 42.9
3.2 17.0 26.1
2.6 11.0 15.0
7.0 8.0 14.4
55.6 57.8 62.4
5.9 12.4 14.1
62.4 60.1 40.6
61.9 57.2 34.9
41.9 47.0 28.5
19.0 27.9 27.3
94.0 89.3 75.1
91.7 86.0 66.6
91.7 89.3 67.2
89.6 68.8 50.0
88.1 64.6 42.8
83.8 61.6 36.4
67.1 54.4 42.3
Middle East & North Africa  L ower middle income
Lebanon

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
93The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
61.6 58.2 70.4
63.6 49.3 62.1
18.5 23.3 30.5
33.5 37.8 65.0
53.5 40.0 24.4
56.4 48.9 36.8
60.4 52.3 67.6
..* 47.2 63.4
50.1 44.7 59.9
60.3 52.4 71.7
58.4 50.6 47.3
58.6 41.7 38.4
15.7 19.5 19.9
20.2 12.9 12.3
19.6 15.6 16.2
10.4 8.9 15.6
13.0 9.5 11.2
54.2 60.7 42.9
34.5 34.7 26.1
30.8 23.0 15.0
11.1 28.1 14.4
64.4 70.4 62.4
16.7 12.4 14.1
44.0 41.3 40.6
40.5 36.9 34.9
..* 30.8 28.5
34.0 36.6 27.3
79.0 74.7 75.1
80.1 70.5 66.6
..* 66.1 67.2
45.1 32.9 50.0
44.7 29.3 42.8
..* 21.5 36.4
43.7 36.1 42.3
Population, age 15+ (millions) 1.5 GNI per capita ($)  1,230.0 
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Sub-Saharan Africa  L ower middle income
Lesotho

94 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
52.2 58.2 46.4
51.6 49.3 35.2
18.8 23.3 10.4
13.9 37.8 25.8
47.5 40.0 31.8
48.4 48.9 34.7
46.3 52.3 40.6
43.0 47.2 37.3
43.9 44.7 35.3
46.4 52.4 42.2
50.2 50.6 37.1
46.1 41.7 26.9
6.5 19.5 8.5
7.2 12.9 5.0
5.9 15.6 10.0
4.6 8.9 5.4
3.3 9.5 4.4
70.2 60.7 54.9
30.1 34.7 27.6
22.0 23.0 16.4
44.0 28.1 29.1
77.5 70.4 69.2
12.5 12.4 10.3
48.9 41.3 43.8
46.0 36.9 39.9
41.3 30.8 34.7
38.5 36.6 32.2
70.0 74.7 63.1
68.6 70.5 55.9
62.2 66.1 52.8
22.7 32.9 21.8
23.8 29.3 17.9
16.0 21.5 12.9
37.8 36.1 29.0
Population, age 15+ (millions) 3.3 GNI per capita ($) 680.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Sub-Saharan Africa  L ow income
Liberia

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
95The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
33.1 52.9 84.0
..* 45.4 82.6
..* 33.0 56.6
33.1 50.0 83.2
..* 10.7 10.4
22.7 38.0 74.9
24.7 45.6 82.5
30.0 45.9 76.7
16.7 44.4 62.4
33.2 52.4 78.5
23.5 43.9 80.7
..* 38.0 78.6
15.0 26.2 68.4
..* 7.5 66.6
10.7 14.1 61.8
..* 17.3 24.0
..* 5.2 20.0
37.0 35.1 66.6
15.9 17.0 55.4
..* 11.0 35.1
9.9 8.0 18.4
41.7 57.8 54.2
12.2 12.4 36.2
80.9 60.1 74.6
86.0 57.2 72.4
68.6 47.0 60.7
28.8 27.9 41.1
100.0 89.3 94.6
100.0 86.0 94.4
100.0 89.3 93.1
65.7 68.8 83.7
71.5 64.6 82.5
51.0 61.6 76.0
..* 54.4 64.8
Population, age 15+ (millions) 5.3 GNI per capita ($)  7,260.0 
Country 
data
Middle East 
& North 
Africa
Upper 
middle 
income
Middle East & North Africa  U pper middle income
Libya

96 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
99.0 94.9
93.5 95.8
73.8 87.5
99.0 94.9
..* ..*
..* ..*
98.4 94.5
97.8 92.8
98.9 91.8
99.4 95.1
..* ..*
90.8 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
46.9 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
98.7 95.5
98.5 95.1
98.2 93.8
89.0 88.1
84.4 86.7
84.0 83.6
..* ..*
Country 
data
High 
income
 H igh income
Lithuania
Population, age 15+ (millions) 2.4 GNI per capita ($) ..*

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
97The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
Country 
data
Sub-
Saharan 
Africa
Low 
income
Population, age 15+ (millions) 18.9 GNI per capita ($)  510.0 
24.5 58.2 46.4
26.3 49.3 35.2
5.5 23.3 10.4
9.5 37.8 25.8
19.4 40.0 31.8
20.5 48.9 34.7
20.3 52.3 40.6
14.1 47.2 37.3
20.7 44.7 35.3
22.2 52.4 42.2
21.7 50.6 37.1
23.9 41.7 26.9
2.4 19.5 8.5
5.7 12.9 5.0
3.1 15.6 10.0
1.9 8.9 5.4
4.3 9.5 4.4
29.4 60.7 54.9
11.1 34.7 27.6
11.5 23.0 16.4
4.9 28.1 29.1
70.8 70.4 69.2
6.8 12.4 10.3
28.7 41.3 43.8
29.6 36.9 39.9
25.3 30.8 34.7
49.0 36.6 32.2
45.8 74.7 63.1
42.4 70.5 55.9
31.5 66.1 52.8
8.9 32.9 21.8
8.2 29.3 17.9
2.9 21.5 12.9
20.8 36.1 29.0
Variable Name (% age 15+)
Sub-Saharan Africa  L ow income
Madagascar

98 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
50.4 58.2 46.4
42.7 49.3 35.2
16.5 23.3 10.4
12.4 37.8 25.8
47.4 40.0 31.8
47.7 48.9 34.7
46.3 52.3 40.6
38.1 47.2 37.3
35.4 44.7 35.3
49.0 52.4 42.2
48.9 50.6 37.1
40.3 41.7 26.9
10.4 19.5 8.5
7.8 12.9 5.0
11.0 15.6 10.0
5.0 8.9 5.4
4.3 9.5 4.4
61.3 60.7 54.9
30.9 34.7 27.6
21.3 23.0 16.4
37.0 28.1 29.1
76.5 70.4 69.2
10.8 12.4 10.3
41.5 41.3 43.8
37.2 36.9 39.9
33.2 30.8 34.7
41.1 36.6 32.2
59.0 74.7 63.1
55.6 70.5 55.9
49.0 66.1 52.8
13.7 32.9 21.8
12.9 29.3 17.9
10.0 21.5 12.9
25.5 36.1 29.0
Population, age 15+ (millions) 12.4 GNI per capita ($) 640.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Sub-Saharan Africa  L ow income
Malawi

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
99The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
 88.7 83.3 84.0
 88.4 79.7 82.6
 66.2 55.0 56.6
 87.2 82.2 83.2
 44.5 6.9 10.4
 65.5 74.6 74.9
 88.2 83.5 82.5
 82.0 75.7 76.7
 81.9 50.3 62.4
 87.7 75.4 78.5
 77.5 80.2 80.7
 79.3 74.8 78.6
 52.2 67.4 68.4
 50.3 64.1 66.6
 37.1 62.3 61.8
 43.3 17.5 24.0
 33.2 16.7 20.0
 61.7 71.2 66.6
 52.5 58.9 55.4
 49.1 38.8 35.1
4.3 20.3 18.4
 38.7 53.3 54.2
 15.0 34.5 36.2
 54.6 77.5 74.6
 53.1 77.1 72.4
 40.3 64.3 60.7
 36.0 43.7 41.1
 94.7 94.0 94.6
 92.5 94.0 94.4
 93.4 92.0 93.1
 89.4 85.8 83.7
 88.9 85.4 82.5
 82.9 77.6 76.0
 74.5 60.0 64.8
Country 
data
East 
Asia & 
Pacific
Upper 
middle 
income
Population, age 15+ (millions) 27.3 GNI per capita ($)  11,830.0 
East Asia & Pacific  U pper middle income
Malaysia

100 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
54.7 58.2 46.4
43.5 49.3 35.2
8.2 23.3 10.4
18.4 37.8 25.8
48.4 40.0 31.8
51.4 48.9 34.7
45.6 52.3 40.6
45.5 47.2 37.3
34.2 44.7 35.3
52.5 52.4 42.2
51.8 50.6 37.1
38.1 41.7 26.9
10.2 19.5 8.5
11.0 12.9 5.0
9.9 15.6 10.0
6.5 8.9 5.4
5.2 9.5 4.4
65.8 60.7 54.9
30.2 34.7 27.6
18.6 23.0 16.4
35.2 28.1 29.1
74.2 70.4 69.2
11.8 12.4 10.3
50.9 41.3 43.8
48.1 36.9 39.9
45.6 30.8 34.7
23.5 36.6 32.2
84.2 74.7 63.1
76.8 70.5 55.9
79.5 66.1 52.8
48.5 32.9 21.8
44.8 29.3 17.9
36.3 21.5 12.9
38.3 36.1 29.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Population, age 15+ (millions) 12.7 GNI per capita ($) 850.0
Sub-Saharan Africa  L ow income
Mali

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
101The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
96.6 94.9
96.4 95.8
95.3 87.5
96.6 94.9
..* ..*
..* ..*
96.1 94.5
93.4 92.8
93.1 91.8
97.2 95.1
..* ..*
90.7 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
45.6 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
97.0 95.5
95.9 95.1
94.8 93.8
90.0 88.1
88.8 86.7
83.6 83.6
..* ..*
Population, age 15+ (millions) 0.5 GNI per capita ($)  34,750.0 
Country 
data
High 
income
 H igh income
Malta

102 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
27.3 58.2 70.4
23.5 49.3 62.1
17.5 23.3 30.5
27.3 37.8 65.0
..* 40.0 24.4
15.7 48.9 36.8
24.7 52.3 67.6
24.3 47.2 63.4
16.3 44.7 59.9
22.1 52.4 71.7
24.4 50.6 47.3
19.9 41.7 38.4
12.3 19.5 19.9
6.8 12.9 12.3
10.1 15.6 16.2
12.2 8.9 15.6
9.6 9.5 11.2
48.3 60.7 42.9
16.1 34.7 26.1
10.5 23.0 15.0
22.9 28.1 14.4
80.9 70.4 62.4
13.3 12.4 14.1
53.9 41.3 40.6
47.9 36.9 34.9
49.1 30.8 28.5
23.5 36.6 27.3
85.3 74.7 75.1
81.9 70.5 66.6
79.6 66.1 67.2
56.6 32.9 50.0
53.4 29.3 42.8
49.6 21.5 36.4
50.9 36.1 42.3
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Population, age 15+ (millions) 2.9 GNI per capita ($)  2,080.0 
Sub-Saharan Africa  L ower middle income
Mauritania

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
103The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
89.6 58.2 84.0
90.5 49.3 82.6
80.1 23.3 56.6
89.5 37.8 83.2
10.1 40.0 10.4
63.2 48.9 74.9
87.4 52.3 82.5
86.3 47.2 76.7
83.9 44.7 62.4
89.5 52.4 78.5
64.0 50.6 80.7
80.1 41.7 78.6
49.9 19.5 68.4
49.1 12.9 66.6
23.2 15.6 61.8
..* 8.9 24.0
..* 9.5 20.0
48.4 60.7 66.6
31.9 34.7 55.4
29.2 23.0 35.1
11.4 28.1 18.4
41.2 70.4 54.2
18.9 12.4 36.2
68.8 41.3 74.6
62.3 36.9 72.4
57.6 30.8 60.7
35.2 36.6 41.1
93.6 74.7 94.6
89.4 70.5 94.4
94.4 66.1 93.1
66.3 32.9 83.7
60.4 29.3 82.5
62.4 21.5 76.0
..* 36.1 64.8
Population, age 15+ (millions) 1.1 GNI per capita ($)  10,360.0 
Country 
data
Sub-
Saharan 
Africa
Upper 
middle 
income
Sub-Saharan Africa  U pper middle income
Mauritius

104 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
53.0 69.7 84.0
49.0 67.1 82.6
27.4 39.5 56.6
52.4 66.4 83.2
10.4 37.3 10.4
34.4 54.1 74.9
47.4 65.9 82.5
39.6 59.5 76.7
43.8 58.4 62.4
47.1 65.0 78.5
41.4 59.4 80.7
43.9 59.8 78.6
26.0 42.5 68.4
29.3 37.3 66.6
17.4 34.8 61.8
15.3 18.8 24.0
11.8 17.4 20.0
48.3 45.4 66.6
17.3 28.8 55.4
13.7 17.9 35.1
12.6 8.4 18.4
41.5 53.4 54.2
15.1 28.5 36.2
53.2 54.6 74.6
48.3 47.5 72.4
41.1 38.6 60.7
32.0 34.7 41.1
83.3 88.7 94.6
81.9 88.3 94.4
79.0 84.5 93.1
64.5 69.8 83.7
59.5 67.6 82.5
56.5 61.1 76.0
57.7 63.3 64.8
Country 
data
Latin 
America & 
Caribbean
Upper 
middle 
income
Population, age 15+ (millions) 97.4 GNI per capita ($)  10,820.0 
Latin America & Caribbean  U pper middle income
Mexico

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
105The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
55.5 77.8 84.0
64.2 77.6 82.6
18.1 44.4 56.6
55.5 77.6 83.2
..* 8.4 10.4
40.7 61.4 74.9
54.5 73.9 82.5
43.5 71.0 76.7
42.6 66.5 62.4
48.3 74.6 78.5
50.5 69.1 80.7
59.8 73.7 78.6
38.0 51.4 68.4
37.8 53.7 66.6
23.2 42.2 61.8
20.0 27.6 24.0
21.6 22.5 20.0
40.9 40.6 66.6
7.1 23.3 55.4
8.0 13.5 35.1
1.0 8.4 18.4
46.6 55.1 54.2
9.8 28.8 36.2
59.2 64.0 74.6
56.0 59.0 72.4
49.7 50.6 60.7
32.8 24.0 41.1
91.6 93.6 94.6
90.2 92.0 94.4
85.4 92.2 93.1
71.7 82.4 83.7
70.5 79.9 82.5
58.7 78.4 76.0
..* 63.1 64.8
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
income
Population, age 15+ (millions) 2.0 GNI per capita ($)  5,500.0 
Europe & Central Asia  U pper middle income
Moldova

106 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
98.3 83.3 70.4
98.5 79.7 62.1
77.7 55.0 30.5
98.2 82.2 65.0
64.0 6.9 24.4
96.2 74.6 36.8
99.0 83.5 67.6
97.4 75.7 63.4
96.9 50.3 59.9
98.8 75.4 71.7
94.9 80.2 47.3
97.4 74.8 38.4
94.9 67.4 19.9
86.1 64.1 12.3
55.4 62.3 16.2
40.2 17.5 15.6
40.0 16.7 11.2
47.9 71.2 42.9
36.3 58.9 26.1
29.2 38.8 15.0
8.9 20.3 14.4
68.3 53.3 62.4
41.9 34.5 14.1
72.6 77.5 40.6
69.6 77.1 34.9
60.6 64.3 28.5
38.9 43.7 27.3
98.1 94.0 75.1
98.9 94.0 66.6
96.0 92.0 67.2
91.9 85.8 50.0
93.4 85.4 42.8
86.4 77.6 36.4
74.9 60.0 42.3
Country 
data
East 
Asia & 
Pacific
Lower 
middle 
income
Population, age 15+ (millions) 2.3 GNI per capita ($)  4,260.0 
Mongolia
East Asia & Pacific  L ower middle income

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
107The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
75.4 77.8 84.0
..* 77.6 82.6
50.4 44.4 56.6
75.4 77.6 83.2
..* 8.4 10.4
49.2 61.4 74.9
73.4 73.9 82.5
66.7 71.0 76.7
54.2 66.5 62.4
74.1 74.6 78.5
64.3 69.1 80.7
..* 73.7 78.6
36.4 51.4 68.4
..* 53.7 66.6
18.8 42.2 61.8
25.9 27.6 24.0
31.5 22.5 20.0
39.4 40.6 66.6
23.5 23.3 55.4
..* 13.5 35.1
2.0 8.4 18.4
34.2 55.1 54.2
15.9 28.8 36.2
76.2 64.0 74.6
70.5 59.0 72.4
64.1 50.6 60.7
36.1 24.0 41.1
93.6 93.6 94.6
94.5 92.0 94.4
89.9 92.2 93.1
79.8 82.4 83.7
79.3 79.9 82.5
74.1 78.4 76.0
..* 63.1 64.8
Population, age 15+ (millions) 0.5 GNI per capita ($)  10,480.0 
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
income
Europe & Central Asia  U pper middle income
Montenegro

108 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
44.4 52.9 70.4
44.4 45.4 62.1
..* 33.0 30.5
42.5 50.0 65.0
5.9 10.7 24.4
16.6 38.0 36.8
34.7 45.6 67.6
41.2 45.9 63.4
35.1 44.4 59.9
39.9 52.4 71.7
32.0 43.9 47.3
30.3 38.0 38.4
9.6 26.2 19.9
10.0 7.5 12.3
6.6 14.1 16.2
21.2 17.3 15.6
5.9 5.2 11.2
21.7 35.1 42.9
6.1 17.0 26.1
7.6 11.0 15.0
3.5 8.0 14.4
57.6 57.8 62.4
1.4 12.4 14.1
44.2 60.1 40.6
39.9 57.2 34.9
33.1 47.0 28.5
16.8 27.9 27.3
90.2 89.3 75.1
87.5 86.0 66.6
88.5 89.3 67.2
67.0 68.8 50.0
63.3 64.6 42.8
58.2 61.6 36.4
57.1 54.4 42.3
Country 
data
Middle East 
& North 
Africa
Lower 
middle 
income
Population, age 15+ (millions) 27.9 GNI per capita ($)  3,670.0 
Middle East & North Africa  L ower middle income
Morocco

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
109The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
54.4 58.2 46.4
49.5 49.3 35.2
..* 23.3 10.4
25.1 37.8 25.8
45.7 40.0 31.8
49.7 48.9 34.7
45.5 52.3 40.6
35.3 47.2 37.3
38.8 44.7 35.3
48.2 52.4 42.2
50.5 50.6 37.1
42.3 41.7 26.9
18.5 19.5 8.5
13.0 12.9 5.0
15.0 15.6 10.0
6.5 8.9 5.4
5.2 9.5 4.4
47.7 60.7 54.9
19.8 34.7 27.6
17.0 23.0 16.4
24.2 28.1 29.1
66.1 70.4 69.2
14.5 12.4 10.3
43.2 41.3 43.8
38.9 36.9 39.9
36.7 30.8 34.7
33.1 36.6 32.2
62.2 74.7 63.1
54.2 70.5 55.9
50.6 66.1 52.8
20.4 32.9 21.8
17.8 29.3 17.9
8.8 21.5 12.9
24.2 36.1 29.0
Population, age 15+ (millions) 18.6 GNI per capita ($) 440.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Sub-Saharan Africa  L ow income
Mozambique

110 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
72.9 58.2 84.0
71.3 49.3 82.6
..* 23.3 56.6
62.7 37.8 83.2
48.4 40.0 10.4
66.1 48.9 74.9
75.0 52.3 82.5
59.9 47.2 76.7
57.1 44.7 62.4
70.5 52.4 78.5
67.6 50.6 80.7
66.4 41.7 78.6
38.6 19.5 68.4
31.7 12.9 66.6
17.3 15.6 61.8
24.6 8.9 24.0
15.4 9.5 20.0
60.6 60.7 66.6
43.6 34.7 55.4
36.3 23.0 35.1
14.8 28.1 18.4
72.4 70.4 54.2
21.8 12.4 36.2
33.0 41.3 74.6
31.2 36.9 72.4
17.4 30.8 60.7
42.0 36.6 41.1
80.1 74.7 94.6
78.8 70.5 94.4
71.7 66.1 93.1
51.8 32.9 83.7
51.2 29.3 82.5
33.3 21.5 76.0
54.1 36.1 64.8
Country 
data
Sub-
Saharan 
Africa
Upper 
middle 
income
Population, age 15+ (millions) 1.9 GNI per capita ($)  5,010.0 
Sub-Saharan Africa  U pper middle income
Namibia

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
111The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
60.0 77.6 70.4
54.0 68.0 62.1
25.3 32.2 30.5
57.5 75.3 65.0
10.6 21.9 24.4
17.6 28.9 36.8
59.8 75.1 67.6
53.0 73.3 63.4
55.0 67.6 59.9
59.6 80.2 71.7
28.1 44.2 47.3
28.6 33.7 38.4
9.3 15.2 19.9
5.4 9.7 12.3
8.0 13.7 16.2
8.4 17.8 15.6
3.9 10.7 11.2
37.4 35.7 42.9
20.8 23.8 26.1
16.8 12.4 15.0
13.5 13.1 14.4
70.4 64.7 62.4
16.4 14.2 14.1
51.5 31.4 40.6
46.9 23.6 34.9
33.3 19.5 28.5
24.6 20.6 27.3
78.4 67.8 75.1
75.7 53.9 66.6
72.0 57.6 67.2
56.7 40.8 50.0
51.9 29.9 42.8
46.5 24.4 36.4
42.2 37.4 42.3
Country 
data
South 
Asia
Lower 
middle 
income
Population, age 15+ (millions) 21.2 GNI per capita ($)  1,340.0 
South Asia L ower middle income
Nepal

112 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Population, age 15+ (millions) 15.2 GNI per capita ($) ..*
99.2 94.9
99.7 95.8
98.7 87.5
99.2 94.9
..* ..*
..* ..*
99.3 94.5
98.3 92.8
98.2 91.8
99.9 95.1
..* ..*
98.8 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
65.7 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
95.2 95.5
94.3 95.1
91.9 93.8
89.7 88.1
87.1 86.7
84.4 83.6
..* ..*
Country 
data
High 
income
 H igh income
Netherlands

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
113The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
97.9 94.9
98.8 95.8
99.4 87.5
97.9 94.9
..* ..*
..* ..*
98.5 94.5
96.8 92.8
95.7 91.8
99.0 95.1
..* ..*
97.6 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
69.3 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
94.4 95.5
93.7 95.1
92.2 93.8
88.8 88.1
86.9 86.7
83.2 83.6
..* ..*
Country 
data
High 
income
 H igh income
New Zealand
Population, age 15+ (millions) 4.3 GNI per capita ($) ..*

114 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Population, age 15+ (millions) 4.8 GNI per capita ($)  2,090.0 
 23.5 69.7 70.4
 26.0 67.1 62.1
 14.2 39.5 30.5
 21.5 66.4 65.0
 8.1 37.3 24.4
 14.6 54.1 36.8
 21.2 65.9 67.6
 19.6 59.5 63.4
 15.5 58.4 59.9
 19.9 65.0 71.7
 16.4 59.4 47.3
 21.4 59.8 38.4
 5.5 42.5 19.9
 6.8 37.3 12.3
 4.0 34.8 16.2
 3.0 18.8 15.6
 4.2 17.4 11.2
 37.9 45.4 42.9
 9.3 28.8 26.1
 7.3 17.9 15.0
7.8 8.4 14.4
 43.5 53.4 62.4
 7.5 28.5 14.1
 60.9 54.6 40.6
 63.0 47.5 34.9
 55.6 38.6 28.5
 20.0 34.7 27.3
 85.3 88.7 75.1
 83.8 88.3 66.6
 79.2 84.5 67.2
 67.5 69.8 50.0
 66.5 67.6 42.8
 53.8 61.1 36.4
 45.7 63.3 42.3
Latin America & Caribbean  L ower middle income
Country 
data
Latin 
America & 
Caribbean
Lower 
middle 
income
Nicaragua

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
115The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
Population, age 15+ (millions) 13.9 GNI per capita ($) 580.0
14.8 58.2 46.4
11.7 49.3 35.2
1.5 23.3 10.4
12.7 37.8 25.8
5.7 40.0 31.8
7.4 48.9 34.7
12.2 52.3 40.6
17.5 47.2 37.3
7.9 44.7 35.3
15.1 52.4 42.2
12.3 50.6 37.1
9.6 41.7 26.9
2.4 19.5 8.5
2.7 12.9 5.0
4.3 15.6 10.0
5.0 8.9 5.4
1.5 9.5 4.4
33.5 60.7 54.9
5.2 34.7 27.6
3.3 23.0 16.4
18.2 28.1 29.1
77.5 70.4 69.2
2.9 12.4 10.3
44.2 41.3 43.8
40.8 36.9 39.9
37.0 30.8 34.7
28.6 36.6 32.2
53.7 74.7 63.1
46.9 70.5 55.9
47.7 66.1 52.8
18.2 32.9 21.8
15.1 29.3 17.9
13.5 21.5 12.9
24.3 36.1 29.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Sub-Saharan Africa  L ow income
Niger

116 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
63.3 58.2 70.4
45.3 49.3 62.1
29.7 23.3 30.5
59.7 37.8 65.0
32.8 40.0 24.4
53.1 48.9 36.8
52.2 52.3 67.6
46.7 47.2 63.4
40.9 44.7 59.9
55.8 52.4 71.7
54.5 50.6 47.3
33.7 41.7 38.4
28.4 19.5 19.9
9.1 12.9 12.3
13.5 15.6 16.2
8.7 8.9 15.6
15.0 9.5 11.2
72.3 60.7 42.9
43.4 34.7 26.1
17.9 23.0 15.0
28.0 28.1 14.4
78.9 70.4 62.4
9.1 12.4 14.1
28.5 41.3 40.6
23.1 36.9 34.9
17.4 30.8 28.5
41.0 36.6 27.3
83.8 74.7 75.1
81.7 70.5 66.6
75.6 66.1 67.2
33.7 32.9 50.0
29.1 29.3 42.8
23.6 21.5 36.4
33.0 36.1 42.3
Population, age 15+ (millions) 133.3 GNI per capita ($)  2,160.0 
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Sub-Saharan Africa  L ower middle income
Nigeria

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
117The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
84.3 77.8 84.0
85.3 77.6 82.6
73.7 44.4 56.6
84.3 77.6 83.2
..* 8.4 10.4
61.8 61.4 74.9
77.2 73.9 82.5
78.4 71.0 76.7
73.6 66.5 62.4
84.4 74.6 78.5
75.2 69.1 80.7
74.3 73.7 78.6
52.4 51.4 68.4
44.8 53.7 66.6
27.4 42.2 61.8
30.6 27.6 24.0
37.0 22.5 20.0
46.8 40.6 66.6
32.4 23.3 55.4
14.8 13.5 35.1
1.3 8.4 18.4
45.7 55.1 54.2
25.8 28.8 36.2
67.5 64.0 74.6
65.1 59.0 72.4
55.0 50.6 60.7
22.0 24.0 41.1
90.5 93.6 94.6
89.7 92.0 94.4
87.9 92.2 93.1
79.0 82.4 83.7
77.2 79.9 82.5
71.9 78.4 76.0
..* 63.1 64.8
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
income
Population, age 15+ (millions) 1.5 GNI per capita ($) 6,660.0
North Macedonia
Europe & Central Asia  U pper middle income

118 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
98.6 94.9
99.5 95.8
..* 87.5
98.6 94.9
..* ..*
..* ..*
97.8 94.5
97.7 92.8
98.5 91.8
99.0 95.1
..* ..*
99.5 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
80.9 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
99.8 95.5
99.7 95.1
99.4 93.8
97.3 88.1
98.2 86.7
96.5 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 4.6 GNI per capita ($)  102,910.0 
 H igh income
Norway

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
119The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
69.5 94.9
..* 95.8
73.6 87.5
69.5 94.9
..* ..*
59.8 ..*
67.1 94.5
67.4 92.8
61.6 91.8
71.6 95.1
60.4 ..*
..* 94.0
39.3 ..*
..* ..*
27.9 ..*
..* ..*
..* ..*
38.9 ..*
23.7 ..*
..* 57.3
11.7 ..*
36.2 ..*
8.8 ..*
41.6 ..*
39.4 ..*
34.9 ..*
22.4 ..*
98.2 95.5
97.5 95.1
97.4 93.8
89.1 88.1
90.2 86.7
86.8 83.6
..* ..*
Population, age 15+ (millions) 3.8 GNI per capita ($)  20,020.0 
Country 
data
High 
income
 H igh income
Oman

120 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
27.3 77.6 70.4
21.0 68.0 62.1
10.3 32.2 30.5
18.3 75.3 65.0
18.4 21.9 24.4
19.8 28.9 36.8
11.9 75.1 67.6
13.6 73.3 63.4
13.2 67.6 59.9
21.1 80.2 71.7
24.6 44.2 47.3
17.6 33.7 38.4
4.3 15.2 19.9
1.1 9.7 12.3
9.8 13.7 16.2
4.1 17.8 15.6
8.3 10.7 11.2
26.8 35.7 42.9
12.7 23.8 26.1
2.8 12.4 15.0
16.7 13.1 14.4
69.5 64.7 62.4
8.0 14.2 14.1
33.2 31.4 40.6
18.2 23.6 34.9
23.5 19.5 28.5
10.5 20.6 27.3
62.9 67.8 75.1
30.1 53.9 66.6
50.8 57.6 67.2
32.4 40.8 50.0
9.1 29.9 42.8
17.0 24.4 36.4
29.2 37.4 42.3
Population, age 15+ (millions) 155.8 GNI per capita ($)  1,560.0 
Country 
data
South 
Asia
Lower 
middle 
income
South Asia L ower middle income
Pakistan

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
121The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
64.1 94.9
45.0 95.8
24.9 87.5
60.9 94.9
38.1 ..*
49.0 ..*
58.1 94.5
45.5 92.8
50.3 91.8
55.9 95.1
52.1 ..*
36.4 94.0
36.2 ..*
19.3 ..*
25.6 ..*
10.6 ..*
18.3 ..*
49.0 ..*
32.9 ..*
15.1 57.3
13.6 ..*
47.3 ..*
15.9 ..*
45.6 ..*
40.7 ..*
27.1 ..*
32.9 ..*
83.6 95.5
84.3 95.1
70.0 93.8
69.3 88.1
70.3 86.7
46.9 83.6
55.1 ..*
Population, age 15+ (millions) 3.3 GNI per capita ($)  16,960.0 
Country 
data
High 
income
 H igh income
Panama

122 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
Population, age 15+ (millions)  4.9 GNI per capita ($)  5,920.0 
60.9 69.7 84.0
54.4 67.1 82.6
21.7 39.5 56.6
45.5 66.4 83.2
35.9 37.3 10.4
47.3 54.1 74.9
60.1 65.9 82.5
50.1 59.5 76.7
51.2 58.4 62.4
57.6 65.0 78.5
55.5 59.4 80.7
51.2 59.8 78.6
26.0 42.5 68.4
10.0 37.3 66.6
18.6 34.8 61.8
15.8 18.8 24.0
12.5 17.4 20.0
37.5 45.4 66.6
19.6 28.8 55.4
7.4 17.9 35.1
4.5 8.4 18.4
54.8 53.4 54.2
21.6 28.5 36.2
54.3 54.6 74.6
50.0 47.5 72.4
34.5 38.6 60.7
24.8 34.7 41.1
93.5 88.7 94.6
93.9 88.3 94.4
89.8 84.5 93.1
82.6 69.8 83.7
84.3 67.6 82.5
72.4 61.1 76.0
58.5 63.3 64.8
Country 
data
Latin 
America & 
Caribbean
Upper 
middle 
income
Latin America & Caribbean  U pper middle income
Paraguay

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
123The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
59.3 69.7 84.0
57.5 67.1 82.6
20.5 39.5 56.6
49.8 66.4 83.2
42.5 37.3 10.4
47.9 54.1 74.9
56.2 65.9 82.5
44.6 59.5 76.7
37.3 58.4 62.4
55.7 65.0 78.5
51.7 59.4 80.7
49.1 59.8 78.6
32.7 42.5 68.4
21.8 37.3 66.6
27.9 34.8 61.8
10.2 18.8 24.0
13.5 17.4 20.0
44.0 45.4 66.6
31.4 28.8 55.4
15.3 17.9 35.1
6.9 8.4 18.4
47.3 53.4 54.2
20.8 28.5 36.2
58.5 54.6 74.6
50.9 47.5 72.4
38.7 38.6 60.7
31.5 34.7 41.1
85.7 88.7 94.6
85.4 88.3 94.4
76.3 84.5 93.1
63.5 69.8 83.7
58.3 67.6 82.5
49.7 61.1 76.0
52.8 63.3 64.8
Population, age 15+ (millions) 25.6 GNI per capita ($)  6,740.0 
Country 
data
Latin 
America & 
Caribbean
Upper 
middle 
income
Latin America & Caribbean  U pper middle income
Peru

124 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
50.2 83.3 70.4
51.4 79.7 62.1
26.6 55.0 30.5
33.5 82.2 65.0
28.8 6.9 24.4
32.7 74.6 36.8
57.1 83.5 67.6
34.4 75.7 63.4
41.3 50.3 59.9
46.5 75.4 71.7
40.3 80.2 47.3
43.5 74.8 38.4
13.4 67.4 19.9
18.5 64.1 12.3
14.7 62.3 16.2
10.1 17.5 15.6
9.4 16.7 11.2
53.6 71.2 42.9
23.9 58.9 26.1
20.8 38.8 15.0
6.3 20.3 14.4
72.0 53.3 62.4
12.0 34.5 14.1
26.7 77.5 40.6
24.8 77.1 34.9
15.0 64.3 28.5
38.2 43.7 27.3
78.0 94.0 75.1
81.2 94.0 66.6
68.5 92.0 67.2
69.0 85.8 50.0
71.6 85.4 42.8
57.1 77.6 36.4
61.9 60.0 42.3
Country 
data
East 
Asia & 
Pacific
Lower 
middle 
income
Population, age 15+ (millions) 82.0 GNI per capita ($)  3,950.0 
East Asia & Pacific  L ower middle income
Philippines

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
125The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
Country 
data
High 
income
86.1 94.9
95.7 95.8
70.2 87.5
86.1 94.9
..* ..*
80.5 ..*
86.3 94.5
80.1 92.8
67.2 91.8
85.9 95.1
82.1 ..*
93.2 94.0
78.1 ..*
84.4 ..*
63.1 ..*
19.0 ..*
45.5 ..*
62.0 ..*
45.8 ..*
36.4 57.3
1.2 ..*
31.3 ..*
19.4 ..*
65.3 ..*
59.9 ..*
55.1 ..*
33.3 ..*
94.6 95.5
94.5 95.1
92.7 93.8
80.9 88.1
80.9 86.7
78.2 83.6
..* ..*
Population, age 15+ (millions) 31.1 GNI per capita ($)  18,900.0
 H igh income
Poland

126 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
91.4 94.9
92.6 95.8
81.2 87.5
91.4 94.9
..* ..*
..* ..*
88.2 94.5
87.7 92.8
81.7 91.8
91.9 95.1
..* ..*
90.6 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
42.7 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
94.7 95.5
93.2 95.1
92.0 93.8
86.4 88.1
83.1 86.7
80.8 83.6
..* ..*
Population, age 15+ (millions) 9.2 GNI per capita ($)  26,150.0
Country 
data
High 
income
 H igh income
Portugal

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
127The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
71.3 94.9
69.1 95.8
44.6 87.5
71.3 94.9
..* ..*
61 ..*
69.9 94.5
55.4 92.8
57.3 91.8
66.8 95.1
63.6 ..*
63.5 94.0
50.2 ..*
46.8 ..*
31.9 ..*
31.1 ..*
19.4 ..*
49.3 ..*
25.9 ..*
18.7 57.3
8.9 ..*
45.5 ..*
20.2 ..*
67.7 ..*
64.5 ..*
50.6 ..*
29.4 ..*
95.2 95.5
95 95.1
93 93.8
74.6 88.1
72.9 86.7
64 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 16 GNI per capita ($)  15,570.0
 H igh income
Romania

128 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
79.2 77.8 84.0
89.7 77.6 82.6
48.2 44.4 56.6
79.2 77.6 83.2
5.8 8.4 10.4
..* 61.4 74.9
77.3 73.9 82.5
70.6 71.0 76.7
69.1 66.5 62.4
79.6 74.6 78.5
..* 69.1 80.7
87.4 73.7 78.6
..* 51.4 68.4
71.0 53.7 66.6
..* 42.2 61.8
..* 27.6 24.0
..* 22.5 20.0
..* 40.6 66.6
..* 23.3 55.4
18.8 13.5 35.1
..* 8.4 18.4
..* 55.1 54.2
..* 28.8 36.2
..* 64.0 74.6
..* 59.0 72.4
..* 50.6 60.7
..* 24.0 41.1
94.3 93.6 94.6
93.3 92.0 94.4
93.4 92.2 93.1
83.5 82.4 83.7
80.8 79.9 82.5
80.4 78.4 76.0
..* 63.1 64.8
Population, age 15+ (millions) 118.6 GNI per capita ($)  14,250.0
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
income
Europe & Central Asia  U pper middle income
Russian Federation

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
129The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
78.8 94.9
74.3 95.8
46.4 87.5
78.0 94.9
36.5 ..*
74.6 ..*
73.5 94.5
74.6 92.8
66.5 91.8
76.8 95.1
75.7 ..*
73.5 94.0
64.2 ..*
..* ..*
52.9 ..*
..* ..*
..* ..*
57.1 ..*
41.7 ..*
35.5 57.3
15.5 ..*
55.7 ..*
30.5 ..*
79.3 ..*
79.0 ..*
74.7 ..*
31.3 ..*
97.9 95.5
95.6 95.1
97.7 93.8
94.5 88.1
92.2 86.7
93.7 83.6
..* ..*
Population, age 15+ (millions) 25.2 GNI per capita ($)  27,680.0
Country 
data
High 
income
 H igh income
Saudi Arabia

130 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
76.5 58.2 70.4
56.0 49.3 62.1
5.8 23.3 30.5
48.0 37.8 65.0
66.9 40.0 24.4
73.6 48.9 36.8
73.6 52.3 67.6
69.0 47.2 63.4
50.8 44.7 59.9
73.4 52.4 71.7
73.5 50.6 47.3
53.0 41.7 38.4
37.0 19.5 19.9
11.6 12.9 12.3
40.4 15.6 16.2
13.5 8.9 15.6
18.0 9.5 11.2
77.7 60.7 42.9
58.3 34.7 26.1
32.9 23.0 15.0
43.5 28.1 14.4
81.9 70.4 62.4
22.7 12.4 14.1
47.1 41.3 40.6
42.3 36.9 34.9
32.4 30.8 28.5
15.3 36.6 27.3
87.3 74.7 75.1
85.6 70.5 66.6
84.4 66.1 67.2
60.8 32.9 50.0
58.4 29.3 42.8
47.6 21.5 36.4
60.2 36.1 42.3
Population, age 15+ (millions) 11.1 GNI per capita ($)  1,620.0
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Sub-Saharan Africa  L ower middle income
Senegal

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
131The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
83.3 77.8 84.0
89.4 77.6 82.6
62.2 44.4 56.6
83.3 77.6 83.2
..* 8.4 10.4
60.8 61.4 74.9
81.1 73.9 82.5
75.1 71.0 76.7
66.7 66.5 62.4
81.9 74.6 78.5
77.0 69.1 80.7
87.5 73.7 78.6
53.8 51.4 68.4
45.4 53.7 66.6
35.4 42.2 61.8
39.5 27.6 24.0
34.5 22.5 20.0
50.3 40.6 66.6
26.4 23.3 55.4
18.9 13.5 35.1
5.3 8.4 18.4
44.2 55.1 54.2
22.5 28.8 36.2
73.4 64.0 74.6
72.4 59.0 72.4
63.2 50.6 60.7
29.8 24.0 41.1
93.4 93.6 94.6
92.5 92.0 94.4
88.8 92.2 93.1
78.6 82.4 83.7
77.8 79.9 82.5
69.3 78.4 76.0
..* 63.1 64.8
Population, age 15+ (millions) 5.7 GNI per capita ($)  9,290.0
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
income
Europe & Central Asia  U pper middle income
Serbia

132 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
38.6 58.2 46.4
28.8 49.3 35.2
15.3 23.3 10.4
15.0 37.8 25.8
32.2 40.0 31.8
33.8 48.9 34.7
35.9 52.3 40.6
27.5 47.2 37.3
33.1 44.7 35.3
30.2 52.4 42.2
36.7 50.6 37.1
27.0 41.7 26.9
5.2 19.5 8.5
3.3 12.9 5.0
6.2 15.6 10.0
6.6 8.9 5.4
2.7 9.5 4.4
61.3 60.7 54.9
22.0 34.7 27.6
11.1 23.0 16.4
40.8 28.1 29.1
88.7 70.4 69.2
9.3 12.4 10.3
29.6 41.3 43.8
28.7 36.9 39.9
24.0 30.8 34.7
34.6 36.6 32.2
59.1 74.7 63.1
59.7 70.5 55.9
48.7 66.1 52.8
28.5 32.9 21.8
28.1 29.3 17.9
18.2 21.5 12.9
30.8 36.1 29.0
Population, age 15+ (millions) 5.2 GNI per capita ($) 600.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Sub-Saharan Africa  L ow income
Sierra Leone

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
133The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
97.8 94.9
97.5 95.8
98.2 87.5
97.8 94.9
56.5 ..*
..* ..*
97.6 94.5
95.8 92.8
93.8 91.8
..* 95.1
..* ..*
94.8 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
60.5 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
97.2 95.5
96.7 95.1
95.6 93.8
92.7 88.1
92.1 86.7
89.6 83.6
..* ..*
Population, age 15+ (millions) 5.2 GNI per capita ($) 70,590.0
Country 
data
High 
income
 H igh income
Singapore

134 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
92.2 94.9
95.6 95.8
79.6 87.5
92.2 94.9
..* ..*
..* ..*
91.1 94.5
87.0 92.8
80.4 91.8
92.2 95.1
..* ..*
94.6 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
58.9 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
96.8 95.5
96.5 95.1
94.8 93.8
82.5 88.1
79.6 86.7
73.9 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 4.6 GNI per capita ($) 22,790.0
 H igh income
Slovak Republic

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
135The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
98.7 94.9
99.0 95.8
97.1 87.5
98.7 94.9
..* ..*
..* ..*
98.9 94.5
98.1 92.8
97.9 91.8
98.9 95.1
..* ..*
97.0 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
39.8 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
94.7 95.5
95.9 95.1
92.9 93.8
85.4 88.1
84.9 86.7
80.9 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 1.8 GNI per capita ($)  30,860.0
 H igh income
Slovenia

136 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
81.1 58.2 84.0
85.4 49.3 82.6
53.6 23.3 56.6
78.4 37.8 83.2
31.6 40.0 10.4
67.8 48.9 74.9
81.0 52.3 82.5
74.2 47.2 76.7
75.0 44.7 62.4
77.7 52.4 78.5
67.2 50.6 80.7
80.8 41.7 78.6
46.9 19.5 68.4
54.1 12.9 66.6
20.8 15.6 61.8
32.6 8.9 24.0
19.1 9.5 20.0
53.4 60.7 66.6
35.8 34.7 55.4
40.5 23.0 35.1
19.6 28.1 18.4
57.1 70.4 54.2
13.2 12.4 36.2
30.8 41.3 74.6
25.3 36.9 72.4
18.3 30.8 60.7
45.0 36.6 41.1
87.0 74.7 94.6
88.2 70.5 94.4
82.5 66.1 93.1
67.5 32.9 83.7
67.1 29.3 82.5
52.6 21.5 76.0
59.6 36.1 64.8
Population, age 15+ (millions) 46.7 GNI per capita ($)  6,780.0
Country 
data
Sub-
Saharan 
Africa
Upper 
middle 
income
Sub-Saharan Africa  U pper middle income
South Africa

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
137The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
98.4 94.9
98.3 95.8
93.3 87.5
98.4 94.9
..* ..*
..* ..*
97.8 94.5
98.8 92.8
97.5 91.8
99.1 95.1
..* ..*
97.5 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
53.5 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
97.5 95.5
97.4 95.1
97.9 93.8
92.2 88.1
93.2 86.7
90.8 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 41.9 GNI per capita ($)  32,830.0
 H igh income
Spain

138 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
81.7 77.6 70.4
89.3 68.0 62.1
68.5 32.2 30.5
81.2 75.3 65.0
3.0 21.9 24.4
34.4 28.9 36.8
80.2 75.1 67.6
80.2 73.3 63.4
76.6 67.6 59.9
82.8 80.2 71.7
47.3 44.2 47.3
55.1 33.7 38.4
14.8 15.2 19.9
18.1 9.7 12.3
11.8 13.7 16.2
20.8 17.8 15.6
12.2 10.7 11.2
36.0 35.7 42.9
23.2 23.8 26.1
33.9 12.4 15.0
13.3 13.1 14.4
60.0 64.7 62.4
18.4 14.2 14.1
37.9 31.4 40.6
34.5 23.6 34.9
21.8 19.5 28.5
22.5 20.6 27.3
76.6 67.8 75.1
72.3 53.9 66.6
65.1 57.6 67.2
44.0 40.8 50.0
43.5 29.9 42.8
26.3 24.4 36.4
42.7 37.4 42.3
Country 
data
South 
Asia
Lower 
middle 
income
Population, age 15+ (millions) 17.1 GNI per capita ($)  3,610.0
South Asia L ower middle income
Sri Lanka

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
139The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
98.6 94.9
99.7 95.8
99.0 87.5
98.6 94.9
..* ..*
..* ..*
97.6 94.5
96.6 92.8
98.5 91.8
98.1 95.1
..* ..*
99.1 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
79.7 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
99.1 95.5
98.3 95.1
98.1 93.8
97.4 88.1
96.9 86.7
95.3 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 8.7 GNI per capita ($)  60,480.0
 H igh income
Sweden

140 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
98.4 94.9
99.5 95.8
..* 87.5
98.4 94.9
..* ..*
..* ..*
97.6 94.5
98.3 92.8
97.7 91.8
98.8 95.1
..* ..*
98.2 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
56.2 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
91.5 95.5
89.2 95.1
89.6 93.8
79.2 88.1
76.6 86.7
78.0 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 7.6 GNI per capita ($) 95,070.0
 H igh income
Switzerland

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
141The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
95.6 94.9
94.7 95.8
87.3 87.5
95.6 94.9
..* ..*
..* ..*
95.7 94.5
91.6 92.8
92.3 91.8
91.2 95.1
..* ..*
87.7 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
67.8 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
95.6 95.5
94.8 95.1
92.1 93.8
89.2 88.1
88.2 86.7
80.2 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 20.4 GNI per capita ($) ..*
 H igh income
Taiwan, China

142 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
54.5 77.8 70.4
39.5 77.6 62.1
2.5 44.4 30.5
52.5 77.6 65.0
14.4 8.4 24.4
27.9 61.4 36.8
46.9 73.9 67.6
50.0 71.0 63.4
41.1 66.5 59.9
55.5 74.6 71.7
49.3 69.1 47.3
33.1 73.7 38.4
16.2 51.4 19.9
4.0 53.7 12.3
21.5 42.2 16.2
19.5 27.6 15.6
6.5 22.5 11.2
28.3 40.6 42.9
10.1 23.3 26.1
1.8 13.5 15.0
2.7 8.4 14.4
52.5 55.1 62.4
17.1 28.8 14.1
65.4 64.0 40.6
56.8 59.0 34.9
53.1 50.6 28.5
13.0 24.0 27.3
77.5 93.6 75.1
67.8 92.0 66.6
72.7 92.2 67.2
64.7 82.4 50.0
55.8 79.9 42.8
55.4 78.4 36.4
54.4 63.1 42.3
Country 
data
Europe & 
Central 
Asia
Lower 
middle 
income
Population, age 15+ (millions) 6.6 GNI per capita ($)  1,210.0
Europe & Central Asia  L ower middle income
Tajikistan

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
143The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
59.8 58.2 70.4
52.4 49.3 62.1
17.3 23.3 30.5
21.9 37.8 65.0
52.9 40.0 24.4
55.0 48.9 36.8
54.9 52.3 67.6
50.9 47.2 63.4
45.2 44.7 59.9
55.9 52.4 71.7
57.1 50.6 47.3
50.2 41.7 38.4
3.9 19.5 19.9
4.5 12.9 12.3
14.9 15.6 16.2
4.3 8.9 15.6
5.3 9.5 11.2
52.7 60.7 42.9
25.9 34.7 26.1
22.1 23.0 15.0
22.0 28.1 14.4
57.0 70.4 62.4
9.1 12.4 14.1
53.0 41.3 40.6
47.7 36.9 34.9
39.7 30.8 28.5
49.4 36.6 27.3
77.8 74.7 75.1
74.0 70.5 66.6
74.0 66.1 67.2
15.6 32.9 50.0
13.9 29.3 42.8
7.0 21.5 36.4
24.8 36.1 42.3
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
Population, age 15+ (millions) 38.2 GNI per capita ($)  1,200.0
Sub-Saharan Africa  L ower middle income
Tanzania

144 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
91.8 83.3 84.0
95.6 79.7 82.6
72.7 55.0 56.6
91.1 82.2 83.2
41.7 6.9 10.4
69.2 74.6 74.9
92.7 83.5 82.5
91.2 75.7 76.7
87.5 50.3 62.4
92.3 75.4 78.5
82.8 80.2 80.7
92.0 74.8 78.6
51.3 67.4 68.4
63.3 64.1 66.6
40.1 62.3 61.8
41.8 17.5 24.0
24.0 16.7 20.0
63.1 71.2 66.6
53.6 58.9 55.4
54.2 38.8 35.1
6.0 20.3 18.4
49.1 53.3 54.2
18.0 34.5 36.2
58.6 77.5 74.6
56.2 77.1 72.4
42.5 64.3 60.7
32.7 43.7 41.1
92.1 94.0 94.6
91.8 94.0 94.4
87.0 92.0 93.1
87.8 85.8 83.7
87.3 85.4 82.5
81.5 77.6 76.0
63.5 60.0 64.8
Country 
data
East 
Asia & 
Pacific
Upper 
middle 
income
Population, age 15+ (millions) 60.9 GNI per capita ($) 7,230.0
East Asia & Pacific  U pper middle income
Thailand

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
145The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
57.4 58.2 46.4
49.6 49.3 35.2
10.2 23.3 10.4
32.4 37.8 25.8
48.0 40.0 31.8
51.3 48.9 34.7
45.3 52.3 40.6
43.7 47.2 37.3
47.8 44.7 35.3
52.9 52.4 42.2
53.1 50.6 37.1
43.7 41.7 26.9
13.8 19.5 8.5
2.8 12.9 5.0
23.5 15.6 10.0
7.6 8.9 5.4
6.6 9.5 4.4
64.8 60.7 54.9
32.1 34.7 27.6
18.4 23.0 16.4
31.5 28.1 29.1
78.2 70.4 69.2
13.4 12.4 10.3
60.6 41.3 43.8
53.5 36.9 39.9
47.0 30.8 34.7
20.7 36.6 32.2
82.5 74.7 63.1
78.8 70.5 55.9
70.6 66.1 52.8
45.1 32.9 21.8
36.1 29.3 17.9
27.2 21.5 12.9
36.7 36.1 29.0
Population, age 15+ (millions) 5.6 GNI per capita ($) 1,010.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Sub-Saharan Africa  L ow income
Togo

146 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
74.6 94.9
..* 95.8
75.9 87.5
74.6 94.9
..* ..*
..* ..*
73.3 94.5
74.0 92.8
65.4 91.8
66.8 95.1
..* ..*
..* 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
91.8 95.5
91.5 95.1
90.9 93.8
82.0 88.1
81.4 86.7
76.2 83.6
..* ..*
Population, age 15+ (millions)  1.1 GNI per capita ($)  16,190.0 
Country 
data
High 
income
 H igh income
Trinidad and Tobago

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
147The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
37.8 52.9 70.4
36.9 45.4 62.1
..* 33.0 30.5
37.7 50.0 65.0
2.6 10.7 24.4
11.9 38.0 36.8
26.6 45.6 67.6
21.7 45.9 63.4
16.1 44.4 59.9
30.2 52.4 71.7
23.7 43.9 47.3
27.7 38.0 38.4
4.9 26.2 19.9
6.7 7.5 12.3
1.6 14.1 16.2
11.9 17.3 15.6
7.8 5.2 11.2
48.2 35.1 42.9
21.7 17.0 26.1
14.8 11.0 15.0
3.7 8.0 14.4
43.5 57.8 62.4
5.2 12.4 14.1
67.8 60.1 40.6
64.4 57.2 34.9
48.5 47.0 28.5
20.7 27.9 27.3
95.8 89.3 75.1
94.2 86.0 66.6
93.8 89.3 67.2
66.9 68.8 50.0
62.5 64.6 42.8
51.8 61.6 36.4
55.2 54.4 42.3
Country 
data
Middle East 
& North 
Africa
Lower 
middle 
income
Population, age 15+ (millions) 9.2 GNI per capita ($)  3,830.0
Middle East & North Africa  L ower middle income
Tunisia

148 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
81.6 77.8 84.0
74.1 77.6 82.6
57.6 44.4 56.6
81.5 77.6 83.2
23.3 8.4 10.4
64.6 61.4 74.9
71.7 73.9 82.5
75.5 71.0 76.7
67.7 66.5 62.4
75.1 74.6 78.5
71.4 69.1 80.7
67.6 73.7 78.6
51.5 51.4 68.4
44.8 53.7 66.6
51.4 42.2 61.8
23.9 27.6 24.0
27.5 22.5 20.0
41.2 40.6 66.6
27.9 23.3 55.4
9.8 13.5 35.1
12.6 8.4 18.4
64.7 55.1 54.2
41.7 28.8 36.2
59.5 64.0 74.6
54.6 59.0 72.4
45.0 50.6 60.7
22.3 24.0 41.1
97.4 93.6 94.6
96.4 92.0 94.4
97.5 92.2 93.1
86.6 82.4 83.7
83.6 79.9 82.5
83.3 78.4 76.0
69.9 63.1 64.8
Country 
data
Europe & 
Central 
Asia
Upper 
middle 
income
Population, age 15+ (millions) 66.7 GNI per capita ($) 11,730.0
Europe & Central Asia  U pper middle income
Türkiye

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
149The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
72.8 58.2 46.4
65.9 49.3 35.2
20.5 23.3 10.4
26.2 37.8 25.8
67.7 40.0 31.8
69.5 48.9 34.7
66.4 52.3 40.6
66.9 47.2 37.3
45.6 44.7 35.3
70.9 52.4 42.2
70.6 50.6 37.1
62.6 41.7 26.9
11.7 19.5 8.5
10.3 12.9 5.0
26.3 15.0 10.0
9.9 8.9 5.4
11.7 9.5 4.4
83.4 60.7 54.9
53.6 34.7 27.6
38.6 23.0 16.4
44.0 28.1 29.1
90.2 70.4 69.2
29.0 12.4 10.3
53.8 41.3 43.8
51.6 36.9 39.9
45.0 30.8 34.7
38.7 36.6 32.2
78.6 74.7 63.1
71.8 70.5 55.9
72.8 66.1 52.8
27.4 32.9 21.8
22.3 29.3 17.9
14.5 21.5 12.9
38.4 36.1 29.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Population, age 15+ (millions) 7.3 GNI per capita ($)  930.0
Sub-Saharan Africa  L ow income
Uganda

150 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
87.6 77.8 70.4
83.6 77.6 62.1
41.3 44.4 30.5
87.6 77.6 65.0
..* 8.4 24.4
82.4 61.4 36.8
83.9 73.9 67.6
81.5 71.0 63.4
82.3 66.5 59.9
88.6 74.6 71.7
82.9 69.1 47.3
81.3 73.7 38.4
73.6 51.4 19.9
58.5 53.7 12.3
57.0 42.2 16.2
..* 27.6 15.6
..* 22.5 11.2
40.5 40.6 42.9
20.7 23.3 26.1
10.5 13.5 15.0
3.7 8.4 14.4
51.3 55.1 62.4
28.6 28.8 14.1
75.9 64.0 40.6
68.6 59.0 34.9
60.2 50.6 28.5
34.6 24.0 27.3
97.0 93.6 75.1
96.0 92.0 66.6
97.3 92.2 67.2
84.6 82.4 50.0
83.7 79.9 42.8
83.2 78.4 36.4
..* 63.1 42.3
Country 
data
Europe & 
Central 
Asia
Lower 
middle 
income
Population, age 15+ (millions) 32.3 GNI per capita ($)  4,260.0
Europe & Central Asia  L ower middle income
Ukraine

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
151The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
99.3 94.9
99.8 95.8
97.2 87.5
99.3 94.9
..* ..*
..* ..*
99.3 94.5
100.0 92.8
98.6 91.8
99.3 95.1
..* ..*
99.2 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
61.0 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
91.8 95.5
93.2 95.1
89.5 93.8
85.4 88.1
87.3 86.7
85.2 83.6
..* ..*
 H igh income
Population, age 15+ (millions) 56.5 GNI per capita ($) 47,700.0
Country 
data
High 
income
United Kingdom

152 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
97.0 94.9
95.0 95.8
88.0 87.5
97.0 94.9
..* ..*
..* ..*
97.1 94.5
95.6 92.8
95.6 91.8
97.3 95.1
..* ..*
93.0 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
64.9 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
98.0 95.5
98.6 95.1
97.1 93.8
92.6 88.1
92.2 86.7
88.1 83.6
..* ..*
Population, age 15+ (millions) 276.0 GNI per capita ($)  80,450.0 
 H igh income
United States
Country 
data
High 
income

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
153The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
73.7 94.9
74.1 95.8
23.5 87.5
73.7 94.9
..* ..*
..* ..*
73.3 94.5
62.9 92.8
60.1 91.8
67.4 95.1
..* ..*
68.0 94.0
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
15.1 57.3
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
..* ..*
94.6 95.5
95.6 95.1
91.6 93.8
91.3 88.1
92.4 86.7
87.5 83.6
..* ..*
Country 
data
High 
income
Population, age 15+ (millions) 2.8 GNI per capita ($) 19,700.0
 H igh income
Uruguay

154 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
59.7 77.8 70.4
44.1 77.6 62.1
22.5 44.4 30.5
59.7 77.6 65.0
..* 8.4 24.4
43.8 61.4 36.8
60.7 73.9 67.6
61.7 71.0 63.4
53.3 66.5 59.9
59.6 74.6 71.7
49.9 69.1 47.3
41.7 73.7 38.4
38.1 51.4 19.9
32.6 53.7 12.3
24.1 42.2 16.2
32.0 27.6 15.6
3.3 22.5 11.2
32.2 40.6 42.9
9.2 23.3 26.1
2.6 13.5 15.0
10.3 8.4 14.4
39.5 55.1 62.4
11.8 28.8 14.1
63.4 64.0 40.6
57.7 59.0 34.9
53.7 50.6 28.5
26.6 24.0 27.3
82.3 93.6 75.1
76.7 92.0 66.6
76.8 92.2 67.2
70.2 82.4 50.0
66.0 79.9 42.8
63.1 78.4 36.4
46.9 63.1 42.3
Europe & Central Asia  L ower middle income
Population, age 15+ (millions) 24.6 GNI per capita ($)  2,190.0 
Country 
data
Europe & 
Central 
Asia
Lower 
middle 
income
Uzbekistan

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
155The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
87.3 69.7 84.0
84.4 67.1 82.6
44.1 39.5 56.6
86.4 66.4 83.2
33.7 37.3 10.4
81.2 54.1 74.9
87.7 65.9 82.5
84.4 59.5 76.7
85.2 58.4 62.4
83.4 65.0 78.5
75.5 59.4 80.7
81.2 59.8 78.6
71.6 42.5 68.4
67.3 37.3 66.6
46.5 34.8 61.8
33.8 18.8 24.0
14.1 17.4 20.0
52 45.4 66.6
23.2 28.8 55.4
10.4 17.9 35.1
19.3 8.4 18.4
62.1 53.4 54.2
15.4 28.5 36.2
54 54.6 74.6
47.5 47.5 72.4
39.8 38.6 60.7
34.0 34.7 41.1
95.4 88.7 94.6
94.8 88.3 94.4
92.6 84.5 93.1
83.3 69.8 83.7
80.6 67.6 82.5
75.3 61.1 76.0
71.1 63.3 64.8
Country 
data
Latin 
America & 
Caribbean
Upper 
middle 
income
Population, age 15+ (millions) 20.9 GNI per capita ($)  3,981.0 
Latin America & Caribbean  U pper middle income
Venezuela, RB

156 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
70.6 83.3 70.4
56.3 79.7 62.1
21.4 55.0 30.5
69.9 82.2 65.0
38.7 6.9 24.4
62.7 74.6 36.8
69.9 83.5 67.6
48.1 75.7 63.4
39.6 50.3 59.9
67.4 75.4 71.7
62.4 80.2 47.3
46.0 74.8 38.4
51.1 67.4 19.9
24.3 64.1 12.3
45.5 62.3 16.2
4.1 17.5 15.6
35.7 16.7 11.2
68.6 71.2 42.9
44.5 58.9 26.1
20.7 38.8 15.0
10.1 20.3 14.4
43.2 53.3 62.4
8.1 34.5 14.1
80.5 77.5 40.6
80.3 77.1 34.9
69.6 64.3 28.5
49.8 43.7 27.3
97.8 94.0 75.1
98.3 94.0 66.6
95.4 92.0 67.2
85.4 85.8 50.0
85.1 85.4 42.8
72.0 77.6 36.4
66.4 60.0 42.3
Country 
data
East 
Asia & 
Pacific
Lower 
middle 
income
Population, age 15+ (millions)  76.7 GNI per capita ($)  4,110.0 
East Asia & Pacific  L ower middle income
Viet Nam

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
157The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
39.6 52.9 70.4
33.6 45.4 62.1
19.4 33.0 30.5
38.7 50.0 65.0
6.2 10.7 24.4
19.4 38.0 36.8
27.7 45.6 67.6
33.1 45.9 63.4
26.8 44.4 59.9
37.5 52.4 71.7
20.8 43.9 47.3
21.0 38.0 38.4
8.2 26.2 19.9
5.7 7.5 12.3
5.3 14.1 16.2
8.0 17.3 15.6
7.4 5.2 11.2
30.9 35.1 42.9
9.6 17.0 26.1
7.0 11.0 15.0
7.5 8.0 14.4
50.6 57.8 62.4
6.8 12.4 14.1
71.0 60.1 40.6
69.7 57.2 34.9
54.1 47.0 28.5
24.9 27.9 27.3
94.9 89.3 75.1
93.5 86.0 66.6
94.4 89.3 67.2
86.6 68.8 50.0
86.4 64.6 42.8
82.6 61.6 36.4
77.4 54.4 42.3
Country 
data
Middle  
East & 
North Africa
Lower 
middle 
income
Population, age 15+ (millions) 3.2 GNI per capita ($)  4,180.0 
Middle East & North Africa  L ower middle income
West Bank and Gaza

158 2025 The Little Data Book on F inancial Inclusion
Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
Variable Name (% age 15+)
72.7 58.2 46.4
48.5 49.3 35.2
21.4 23.3 10.4
24.1 37.8 25.8
69.3 40.0 31.8
70.3 48.9 34.7
70.2 52.3 40.6
58.8 47.2 37.3
60.2 44.7 35.3
69.5 52.4 42.2
71.2 50.6 37.1
46.4 41.7 26.9
19.2 19.5 8.5
8.4 12.9 5.0
31.9 15.6 10.0
12.6 8.9 5.4
12.9 9.5 4.4
68.4 60.7 54.9
50.1 34.7 27.6
29.0 23.0 16.4
23.6 28.1 29.1
70.1 70.4 69.2
18.1 12.4 10.3
42.8 41.3 43.8
34.3 36.9 39.9
29.4 30.8 34.7
42.0 36.6 32.2
78.8 74.7 63.1
77.9 70.5 55.9
67.5 66.1 52.8
29.4 32.9 21.8
27.7 29.3 17.9
14.0 21.5 12.9
44.4 36.1 29.0
Country 
data
Sub-
Saharan 
Africa
Low 
income
Population, age 15+ (millions) 12.0 GNI per capita ($) 1,240.0 
Sub-Saharan Africa  L ow income
Zambia

Account
All adults, 2024
All adults, 2021
All adults, 2011
Account, by type
Account at a bank or similiar financial institution
Mobile money account
Digitally enabled account (any account used with a card or phone)
Account, by individual characteristics 
Women
Adults in the poorest 40% of households
Adults out of the labor force
Rural
Made or received digital payments in the past year 
All adults, 2024
All adults, 2021 
Made a digital merchant payment, 2024
Made a digital merchant payment, 2021
Made an online bill payment
Received a government payment into an account
Received a private sector wage into an account
Saving money in the past year 
Saved formally or informally
Saved formally using an account, 2024
Saved formally using an account, 2021
Saved informally using a savings club or a person outside the family
Borrowing in the past year
Borrowed formally or informally
Borrowed formally 
Financially resilient: Not difficult to access extra money in 30 days
All adults
Women
Adults in the poorest 40% of households
Could cover more than 2 months of expenses if income is lost 
Mobile connectivity
Has a personal mobile phone
Women
Adults in the poorest 40% of households
Has a personal smartphone
Women
Adults in the poorest 40% of households
Has a password on their mobile phone
159The Little Data Book on Financial Inclusion  2025
Variable Name (% age 15+)
Sub-Saharan Africa  L ower middle income
Country 
data
Sub-
Saharan 
Africa
Lower 
middle 
income
49.5 58.2 70.4
59.7 49.3 62.1
39.7 23.3 30.5
21.6 37.8 65.0
43.3 40.0 24.4
46.5 48.9 36.8
47.0 52.3 67.6
38.2 47.2 63.4
38.4 44.7 59.9
44.1 52.4 71.7
46.7 50.6 47.3
57.7 41.7 38.4
29.1 19.5 19.9
47.6 12.9 12.3
10.1 15.6 16.2
6.4 8.9 15.6
7.1 9.5 11.2
45.9 60.7 42.9
13.7 34.7 26.1
12.0 23.0 15.0
21.0 28.1 14.4
60.8 70.4 62.4
6.3 12.4 14.1
34.6 41.3 40.6
30.6 36.9 34.9
17.8 30.8 28.5
48.9 36.6 27.3
81.6 74.7 75.1
82.3 70.5 66.6
74.1 66.1 67.2
49.7 32.9 50.0
49.6 29.3 42.8
37.1 21.5 36.4
44.5 36.1 42.3
Population, age 15+ (millions) 9.6 GNI per capita ($) 1,710.0 
Zimbabwe

160 2025 The Little Data Book on F inancial Inclusion
Account (%): The percentage of adults who report having an account (by 
themselves or together with someone else) at a bank or similar financial 
institution (see account at a bank or similar financial institution), or report 
personally using a mobile money service in the past year (see mobile money 
account) . 
Account at a bank or similar financial institution (%): The percentage of 
adults with an individual or jointly owned account at a regulated institution 
such as a bank, credit union, microfinance institution, or post office, and 
which allows them to store money, and make and receive payments  .  These 
institutions have historically maintained a physical footprint in the form of 
branch locations  .  This category also includes adults who say they have a 
debit card linked to an account, even if they say they do not have a bank or 
similar financial institution account  . 
Borrowed formally (%):  The percentage of adults who report borrowing any 
money from a bank or similar financial institution, using a credit card, or 
through a mobile money account in the past year  .   
Borrowed formally or informally (%):  The percentage of adults who report 
borrowing any money (by themselves or together with someone else) for any 
reason and from any source in the past year  .  
Could cover more than 2 months of expenses if income is lost (%):  
The percentage of adults who report being able to cover their expenses 
using savings, borrowing, selling something they own, seeking help from 
family and friends, or through some other way for longer than two months if 
their household lost its main source of income  . 
Digitally enabled account (%): The percentage of adults who report having a 
mobile money account or an account at a bank or similar financial institution 
that allows the account owner to make or receive payments using a card 
or phone . 
Financially resilient:  Not difficult to access extra money in 30 days (%):  
The percentage of adults who say it is not difficult at all or somewhat difficult 
and possible to come up with 5 percent of gross national income (GNI) per 
capita in local currency units in 30 days or less  .  
Has a password on their mobile phone (%): The percentage of adults who 
report having a lock on their mobile phone such as a PIN or password  .  
Has a personal mobile phone (%):  The percentage of adults who report 
personally owning a mobile phone for personal use to make and receive calls . 
Has a personal smartphone (%): The percentage of adults who report owning 
a smartphone for personal use and to make and receive calls  .
Glossary

161The Little Data Book on Financial Inclusion  2025
Glossary
Made a digital merchant payment (%): The percentage of adults who report 
using a debit or credit card, or a mobile phone, to make an in-store or online 
purchase . 
Made or received a digital payment (%): * The percentage of adults 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 or in a store, in the past year  .  This includes adults who 
report paying bills, sending or receiving remittances, receiving payments for 
agricultural products, receiving government transfers, receiving wages, or 
receiving a public sector pension directly from or into a financial institution 
account or through a mobile money account in the past year .  Made an online 
bill payment (%):  The percentage of adults who report using a mobile phone 
or computer to make a bill payment  .
Mobile money account (%):  The percentage of adults who have personally 
used a mobile phone in the preceding 12 months to make payments, purchase 
goods or services, or send or receive money and have also used a mobile 
money provider included in the GSMA Mobile Money Deployment Tracker, 
which includes telecom- and fintech-led platforms that offer financial services 
via mobile phones and typically operate independently of traditional banks  .  
This group generally excludes adults using digital wallets that function 
primarily as app-based payment tools .  Some mobile money account providers 
listed in the GSMA’s tracker, however, could be legally licensed as a bank 
or supported by a bank partner, or some of their services could be linked to 
bank accounts .  All mobile money accounts are by definition digitally enabled, 
and are primarily accessed through mobile phones .  An asterisk indicates that 
there are no mobile money providers in the GSMA tracker for that country  .
Received a government payment into an account (%):  The percentage 
of adults who report personally receiving payments from the government 
(government transfers, public sector pension, or public sector wages) in the 
past year directly into a bank or similar financial institution account, into a 
card, or through a mobile phone  . 
Received a private sector wage into an account (%):  The percentage of 
adults who report being employed in the private sector and receiving any 
money from their employer in the past year in the form of a salary or wages 
for doing work, and who received that money directly into a bank or similar 
financial institution account, into a card, or through a mobile phone  . 
* In 2024, in Algeria, China, the Islamic Republic of Iran, Libya, Mauritius, 
and Ukraine, an abridged questionnaire was administered by phone, and it 
did not include the questions on receiving payments  .  

162 2025 The Little Data Book on F inancial Inclusion
Glossary
Saved formally (%): The percentage of adults who report saving or setting 
aside any money at a bank or similar financial institution or using a mobile 
money account to save in the past year  .  
Saved formally or informally (%):  The percentage of adults who report 
personally saving or setting aside any money for any reason and using any 
mode of saving in the past year  .  
Saved informally using a savings club or a person outside the family (%):  
The percentage of adults who report saving or setting aside any money in the 
past year by using an informal savings club or a person outside the family  .  

163The Little Data Book on Financial Inclusion  2025
Reference
For indicators for which the source of data is other than the 2025 edition of 
the Global Findex Database, the source is given at the end of the definition 
or is as follows: 
For Global Findex 2011 data, the source is Asli Demirgüc-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 Global Findex 2021 data, the source is Demirgüç-Kunt, Asli, Leora Klapper, 
Dorothe Singer, and Saniya Ansar  .  2022 .  “Global Findex Database 2021: 
Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-
19” . W ashington, DC
The reference citation for the Global Findex 2025 data provided in this 
book is as follows:
Leora Klapper, Dorothe Singer, Laura Starita and Alexandra Norris  .  2025 .  
The Global Findex Database 2025: Connectivity and Financial Inclusion in 
the Digital Economy  .  World Bank: Washington, DC  .

25
ALBANIA  ALGERIA  ARGENTINA  ARMENIA  AUSTRALIA  AUSTRIA  
AZERBAIJAN  BAHRAIN  BANGLADESH  BELGIUM  BELIZE  BENIN  
BOLIVIA  BOSNIA AND HERZEGOVINA  BOTSWANA  BRAZIL  BULGARIA  
BURKINA FASO  CAMBODIA  CAMEROON  CANADA  CHAD  CHILE  CHINA  
COLOMBIA  UNION OF THE COMOROS  DEMOCRATIC REPUBLIC OF CONGO   
REPUBLIC OF CONGO  COSTA RICA  CÔTE D’IVOIRE  CROATIA  
CYPRUS  CZECHIA  DENMARK  DOMINICAN REPUBLIC  ECUADOR  
ARAB REPUBLIC OF EGYPT  EL SALVADOR  ESTONIA  ESWATINI  
ETHIOPIA  FINLAND  FRANCE  GABON  THE GAMBIA  GEORGIA  
GERMANY  GHANA  GREECE  GUATEMALA  GUINEA  HONDURAS  
HONG KONG SAR, CHINA  HUNGARY  ICELAND  INDIA  INDONESIA  
ISLAMIC REPUBLIC OF IRAN  IRAQ  IRELAND  ISRAEL  ITALY  JAPAN  
JORDAN  KAZAKHSTAN  KENYA  REPUBLIC OF KOREA  KOSOVO  KUWAIT  
KYRGYZ REPUBLIC  LAO PEOPLE’S DEMOCRATIC REPUBLIC  LATVIA  
LEBANON  LESOTHO  LIBERIA  LIBYA  LITHUANIA  MADAGASCAR  
MALAWI  MALAYSIA  MALI  MALTA  MAURITANIA  MAURITIUS  MEXICO  
MOLDOVA  MONGOLIA  MONTENEGRO  MOROCCO  MOZAMBIQUE  
NAMIBIA  NEPAL  NETHERLANDS  NEW ZEALAND  NICARAGUA  NIGER  
NIGERIA  NORTH MACEDONIA  NORWAY  OMAN  PAKISTAN  PANAMA  
PARAGUAY  PERU  PHILIPPINES  POLAND  PORTUGAL  ROMANIA  
RUSSIAN FEDERATION  SAUDI ARABIA  SENEGAL  SERBIA  SIERRA LEONE  
SINGAPORE  SLOVAK REPUBLIC  SLOVENIA  SOUTH AFRICA  SPAIN  
SRI LANKA  SWEDEN  SWITZERLAND  TAIWAN, CHINA  TAJIKISTAN  
TANZANIA  THAILAND  TOGO  TRINIDAD AND TOBAGO  TUNISIA  TÜRKIYE  
UGANDA  UKRAINE  UNITED KINGDOM  UNITED STATES  URUGUAY  
UZBEKISTAN  VENEZUELA RB  VIET NAM  WEST BANK AND GAZA
ZAMBIA  ZIMBABWE
From The Global Findex Database
The Little Data Book on Financial Inclusion
The Little 
Data Book on 
Financial Inclusion
25
Borrowing
Financial health
Mobile connectivity
Account ownership
Use of digital payments
Saving
Web site: http://www.globalfindex.worldbank.org