2018 THE LITTLE DATA BOOK ON FINANCIAL INCLUSION · and Honorary Patron of the G20’s Global...

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2018 THE LITTLE DATA BOOK ON FINANCIAL INCLUSION

Transcript of 2018 THE LITTLE DATA BOOK ON FINANCIAL INCLUSION · and Honorary Patron of the G20’s Global...

Page 1: 2018 THE LITTLE DATA BOOK ON FINANCIAL INCLUSION · and Honorary Patron of the G20’s Global Partnership for Financial Inclusion For those of us committed to advancing financial

2018 THE LITTLEDATA BOOK ON FINANCIAL INCLUSION

Page 2: 2018 THE LITTLE DATA BOOK ON FINANCIAL INCLUSION · and Honorary Patron of the G20’s Global Partnership for Financial Inclusion For those of us committed to advancing financial

© 2018 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 boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries. 

Rights and Permissions

The material in this work is subject to copyright. Because The World Bank encourages dissemination of its knowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as long as full attribution to this work is given. 

Any queries on rights and licenses, including subsidiary rights, should be addressed to World Bank Publications, The World Bank Group, 1818 H Street NW, Washington, DC 20433, USA; fax: 202-522-2625; e-mail: [email protected]

Design by Communications Development Incorporated, Washington, DC.

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iiiThe Little Data Book on Financial Inclusion 2018

ContentsAcknowledgments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . iv

Foreword . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .v

Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .vii

Data notes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . viii

Regional tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

World . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

East Asia and Pacific . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

Europe and Central Asia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Latin America and the Caribbean . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Middle East and North Africa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

South Asia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Sub-Saharan Africa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Income group tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Low income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

Lower middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Upper middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Low and middle income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

High income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Country tables (in alphabetical order) . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 164

Reference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 168

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iv 2018 The Little Data Book on Financial Inclusion

The Little Data Book on Financial Inclusion 2018 was prepared by the Finance and Private Sector Development Team of the Development Research Group, by a team led by Leora Klapper under the supervision of Asli Demirguc-Kunt and comprising Saniya Ansar, Jake Hess, Deeksha Kokas, Adrienne Sigrid Larson, and Dorothe Singer . The work was carried out under the man-agement of Shantayanan Devarajan . The team is grateful to Oya Pinar Ardic Alper, Margaret J . Miller, Sebastian-A Molineus, Ceyla Pazarbasioglu-Dutz, Mahesh Uttamchandani, and World Bank colleagues in the Development Economics Vice Presidency and the Finance, Competitiveness & Innovation Global Practice as well as staff at the Bill & Melinda Gates Foundation, the Better Than Cash Alliance, the Consultative Group to Assist the Poor, the GSM Association, the G20’s Global Partnership for Financial Inclusion, and the Office of the UNSGSA (UN Secretary-General’s Special Advocate for Inclusive Finance for Development) for providing substantive comments at different stages of the project . The team is also grateful for the excellent survey execution and related support provided by Gallup, Inc . under the direction of Jon Clifton .

The team is especially grateful to the Bill & Melinda Gates Foundation for providing financial support making the collection and dissemination of the data possible .

Substantial contributions were made by Ana Florina Pirlea, Tariq Afzal Khokhar, Omar Hadi, and Jomo Tariku from the World Bank’s Development Data Group . The book’s cover design was done by Jomo Tariku based on an original work by Communications Development Incorporated . Typesetting was done by BMWW . Alison Strong provided editorial assistance .

The reference citation for the 2017 Global Findex data provided in this book is as follows:

Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess . 2018 . The Global Findex Database 2017: Measuring Financial Inclusion

and the Fintech Revolution. World Bank: Washington, DC .

Acknowledgments

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vThe Little Data Book on Financial Inclusion 2018

ForewordBy Her Majesty Queen Máxima of the Netherlands

UN Secretary-General’s Special Advocate for Inclusive Finance for Development

and Honorary Patron of the G20’s Global Partnership for Financial Inclusion

For those of us committed to advancing financial inclusion, no tool is of greater value than the Global Financial Inclusion (Global Findex) database . This invaluable data set provides a rigorous, multidimensional picture of where we stand and how far we have come in expanding access for all to the basic financial services people need to protect themselves against hardship and invest in their futures .

The Little Data Book on Financial Inclusion presents key findings from the Global Findex database, with detailed insight into how adults in more than 140 economies access accounts, make payments, save, borrow, and manage risk . As the data show, each economy has its own successes, challenges, and opportunities when it comes to financial inclusion . A growing body of research demonstrates the impact of country advances on significant priorities such as reducing poverty, hunger, and gender inequality . Today, member states at the United Nations are using Global Findex data to track progress toward the Sustainable Development Goals .

Dozens of national governments have adopted policies to expand financial inclusion . These and other global and national efforts are paying off . New Global Findex data reveal that globally the share of adults owning an account is now 69 percent, an increase of seven percentage points since 2014 . These numbers translate into 515 million adults who have gained access to financial tools . The 2017 figures on overall account ownership continue the upward trajectory we’ve seen since the Global Findex database was first released—with financial inclusion rising 18 percentage points since 2011, when account ownership was 51 percent .

The 2017 Global Findex data reflect the continued evolution of financial inclusion . Recent progress has been driven by digital payments, government policies, and a new generation of financial services accessed through mobile phones and the internet .

The power of financial technology to expand access to and use of accounts is demonstrated most persuasively in Sub-Saharan Africa, where 21 percent of adults now have a mobile money account—nearly twice the share in 2014 and easily the highest of any region in the world . While mobile money has been centered in East Africa, the 2017 update reveals that it has spread to West Africa and beyond .

Digital technology is also transforming the payments landscape . Globally, 52 percent of adults have sent or received digital payments in the past year, up from 42 percent in 2014 . Technology giants have moved into the financial sphere, leveraging deep customer knowledge to provide a broad range of financial services . Payments made through their technology platforms are facilitating higher account use in major emerging economies such as China, where 57 percent of account owners are using mobile phones or the internet to make purchases or pay bills—roughly twice the share in 2014 .

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vi 2018 The Little Data Book on Financial Inclusion

Some advances have been made in helping women gain access to financial services . In India three years ago, men were 20 percentage points more likely than women to have an account . Today, India’s gender gap has shrunk to 6 percentage points thanks to a strong government push to increase account ownership through biometric identification cards .

Still, in most of the world women continue to lag well behind men . Globally, 65 percent of women have an account compared with 72 percent of men, a gap of seven percentage points that is all but unchanged since 2011 . Nor has equality in account ownership been achieved in other regards . The gap between rich and poor has not improved since 2014: account ownership is 13 percentage points higher among adults living in the wealthiest 60 percent of households within economies than among those in the poorest 40 percent . And urban populations continue to benefit from far broader access to finance than rural communities . In China around 200 million rural adults remain outside the formal financial system .

The continued involvement of businesses will be vital for unlocking opportunities to expand financial inclusion . Companies pay wages in cash to about 230 million unbanked adults worldwide; switching to electronic payrolls could help these workers join the formal financial system . Mobile phones and the internet also offer strong openings for progress: globally, one billion financially excluded adults already own a mobile phone and about 480 million have internet access .

But the private sector, governments, and development organizations all need to sharpen their focus on the use of accounts, which has stagnated for saving and borrowing . Without people actively using their accounts, the impact of our work will be lost .

The Global Findex database is an indispensable resource for those of us working to increase financial inclusion . I am proud to partner with the Global Findex team, and I thank the World Bank’s Development Research Group and the Bill & Melinda Gates Foundation for supporting this crucial initiative . I hope governments, businesses, and development champions will continue to use The Little Data Book and its trove of information as we redouble our efforts to deepen financial inclusion .

Foreword

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The Little Data Book on Financial Inclusion 2018 is a pocket edition of the Global Findex database published in 2018 . The data represent a third round of data collection since the Global Findex database was launched in 2011 . The database provides nationally representative, demand-side data on access to and use of accounts, credit, payments, and savings by adults age 15 and above in 144 economies . In addition, new indicators measure how people make or receive digital payments . This book presents data for selected indicators by country, region, and income group . For some indicators the data are disaggregated by gender, income level, employment status and rural residence .

This publication is part of the Global Findex suite of products, available both online and in hard copy . To learn more and to access the most recent version of the database, visit the Global Findex web page (http://www .worldbank .org/globalfindex) .

The Global Findex database is housed in the World Bank’s Development Research Group and funded by the Bill & Melinda Gates Foundation . It is the first public global database of demand-side indicators to track the financial lives of individuals over time . Covering a range of topics, the data can be used to create a more complete picture of how people save, borrow, manage risk, and send and receive money . And as the Global Findex survey questionnaire has expanded, the data have allowed more nuanced insights into the use of mobile technology to pay bills, receive wages and government payments, and send money to and receive it from family living elsewhere .

This third edition of the database was compiled in 2017 and includes updated indicators on access to and use of formal and informal financial services and additional data on financial technology, or fintech, including the use of mobile phones and the internet to complete financial transactions . The data were collected by Gallup, Inc . over the 2017 calendar year alongside the Gallup World Poll survey .

Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals . This book and the accompanying research have the potential to aid policy makers, the private sector, and the entire global com-munity as together we shape an effective environment for shared prosperity .

Introduction

viiThe Little Data Book on Financial Inclusion 2018

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viii 2018 The Little Data Book on Financial Inclusion

Data notesThe data in this book are for 2017 unless otherwise noted in the tables or the glossary .

Regional aggregates include data for low- and middle-income economies only .

Figures in italics are for years or periods other than those specified .

Symbols used:

. . indicates that data are not available or that aggregates cannot be calculated because of missing data .

0 or 0 .0 indicates zero or a value small enough that it would round to zero at the number of decimal places displayed .

$ indicates current U .S . dollars .

Data are shown for 144 economies . The term country (used interchangeably with economy) does not imply political independence or official recognition by the World Bank but refers to any economy for which the authorities report separate social or economic statistics .

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The country composition of regions as used in this book is based on the World Bank’s analytical regions and may differ from common geographic usage .

East Asia and PacificCambodia; China; Indonesia; Lao People’s Democratic Republic;* Malaysia; Mongolia; Myanmar;† Philippines; Thailand; Vietnam

Europe and Central AsiaAlbania; Armenia; Azerbaijan; Belarus; Bosnia and Herzegovina; Bulgaria; Croatia; Georgia; Kazakhstan; Kosovo; Kyrgyz Republic; former Yugoslav Republic of Macedonia; Moldova; Montenegro; Romania; Russian Federation; Serbia; Tajikistan; Turkey; Turkmenistan;* Ukraine; Uzbekistan

High incomeAustralia; Austria; Bahrain; Belgium; Canada; Chile; Cyprus; Czech Republic; Denmark; Estonia; Finland; France; Germany; Greece; Hong Kong SAR, China; Hungary; Ireland; Israel; Italy; Japan; Republic of Korea; Kuwait; Latvia; Lithuania; Luxembourg; Malta; Netherlands; New Zealand; Norway;† Oman;†† Poland; Portugal; Puerto Rico;‡‡ Qatar;†† Saudi Arabia; Singapore; Slovak Republic; Slovenia; Spain; Sweden; Switzerland;† Taiwan, China; Trinidad and Tobago;* United Arab Emirates; United Kingdom; United States; Uruguay

Latin America and the CaribbeanArgentina; Belize;‡ Bolivia; Brazil; Colombia; Costa Rica; Dominican Republic; Ecuador; El Salvador; Guatemala; Haiti; Honduras; Jamaica;§ Mexico; Nicaragua; Panama; Paraguay;* Peru; República Bolivariana de Venezuela

Middle East and North Africa**Algeria; Djibouti;†† Arab Republic of Egypt; Islamic Republic of Iran; Iraq; Jordan; Lebanon; Libya;‡ Morocco;‡ Syrian Arab Republic;†† Tunisia;† West Bank and Gaza; Republic of Yemen§

South AsiaAfghanistan; Bangladesh; Bhutan;‡‡ India; Nepal; Pakistan; Sri Lanka

Sub-Saharan AfricaAngola;§ Benin; Botswana; Burkina Faso; Burundi;§ Cameroon; Central African Republic;* Chad; Comoros;†† Democratic Republic of Congo; Republic of Congo; Côte d’Ivoire;† Ethiopia;† Gabon; Ghana; Guinea; Kenya; Lesotho;* Liberia;* Madagascar; Malawi; Mali; Mauritania; Mauritius; Mozambique;‡ Namibia;† Niger; Nigeria; Rwanda; Senegal; Sierra Leone; Somalia;‡‡ South Africa; South Sudan;‡ Sudan;§ Swaziland;†† Tanzania; Togo; Uganda; Zambia; Zimbabwe

* Excluded in 2014 data only .† Excluded in 2011 data only .‡ Excluded in 2011 and 2014 data . § Excluded in 2017 data only .** Middle East and North Africa average suppressed in 2014 data .†† Excluded in 2014 and 2017 data .‡‡ Excluded in 2011 and 2017 data .

Regional tables

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2 2018 The Little Data Book on Financial Inclusion

WorldPopulation, age 15+ (millions) 5,502.4 GNI per capita ($) 10,308

68.562.050.6

67.161.250.6

4.42.1

64.860.559.366.0

52.341.522.315.916.329.024.932.6

13.413.7

..

..

..

26.727.3

..48.420.6

22.522.325.847.511.2

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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East Asia & PacificPopulation, age 15+ (millions) 1,628.8 GNI per capita ($) 6,667

70.669.155.1

70.368.955.1

1.30.4

67.959.359.868.8

58.039.020.815.912.238.631.033.1

11.811.9

15.07.35.8

30.636.78.6

53.123.2

21.519.529.646.810.8

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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Europe & Central AsiaPopulation, age 15+ (millions) 331.6 GNI per capita ($) 7,694

65.357.844.8

65.157.844.8

3.20.2

62.556.352.861.7

60.446.123.021.228.830.623.138.5

6.66.7

12.87.08.0

14.411.05.0

37.015.0

24.222.324.544.011.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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Latin America & CaribbeanPopulation, age 15+ (millions) 454.7 GNI per capita ($) 7,955

54.451.439.3

53.551.239.3

5.31.7

51.341.943.352.6

45.137.714.012.615.914.911.127.6

9.09.3

8.94.83.9

12.213.4

7.537.211.8

20.824.815.237.65.2

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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6 2018 The Little Data Book on Financial Inclusion

Middle East & North AfricaPopulation, age 15+ (millions) 256.7 GNI per capita ($) 4,042

43.5..

32.9

43.0..

32.9

5.8..

35.035.335.036.9

33.3..

9.85.9

19.512.210.416.2

7.17.2

5.04.9

11.1

10.8..

8.031.3

8.1

9.6..

31.142.68.2

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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South AsiaPopulation, age 15+ (millions) 1,248.7 GNI per capita ($) 1,611

69.646.532.4

68.445.632.4

4.22.6

64.165.661.769.2

27.816.7

7.14.87.14.57.1

10.0

31.231.6

7.61.98.3

17.212.710.233.211.4

7.88.6

31.341.55.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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Sub-Saharan AfricaPopulation, age 15+ (millions) 590.0 GNI per capita ($) 1,515

42.634.223.2

32.828.823.2

20.911.6

36.931.931.439.5

34.426.9

7.75.77.37.6

20.87.5

5.57.1

22.711.09.4

14.915.825.354.410.3

8.47.5

31.045.7

4.7

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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Income group tables

9The Little Data Book on Financial Inclusion 2018

The World Bank’s main criterion for classifying economies for operational and analytical purposes is gross national income (GNI) per capita . Each economy for which data are presented in this book is classified as low income, middle income, or high income based on its GNI per capita in 2016 . Low- and middle-income economies are sometimes referred to as developing economies . The use of the term is convenient; it is not intended to imply that all economies in the group are experiencing similar development or that other economies have reached a preferred or final stage of development . Classification by income does not necessarily reflect development status . Income classifications of economies remain fixed over the course of the World Bank’s fiscal year (ending on June 30) regardless of any revisions during the year to their income per capita data .

Low income economies are those with a GNI per capita of $1,005 or less in 2016 .

Middle income economies are those with a GNI per capita between $1,006 and $12,235 . Lower-middle-income and upper-middle-income economies are separated at a GNI per capita of $3,955 .

High income economies are those with a GNI per capita of $12,236 or more .

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10 2018 The Little Data Book on Financial Inclusion

Low incomePopulation, age 15+ (millions) 378.0 GNI per capita ($) 614

34.922.913.4

24.516.913.4

17.69.9

29.925.523.432.3

25.615.14.43.34.34.8

17.1..

5.26.5

16.09.68.0

11.18.9

23.047.68.9

7.96.1

31.345.6

5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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11The Little Data Book on Financial Inclusion 2018

Middle incomePopulation, age 15+ (millions) 4,132.5 GNI per capita ($) 4,891

65.357.543.4

64.356.943.4

4.31.9

61.056.555.264.8

45.432.714.911.513.021.919.223.8

16.316.6

12.25.57.1

21.323.4

9.643.016.1

16.016.428.343.6

8.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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12 2018 The Little Data Book on Financial Inclusion

Lower middle incomePopulation, age 15+ (millions) 2,084.0 GNI per capita ($) 2,078

57.841.928.9

56.140.628.9

5.33.2

53.050.750.857.6

29.219.7

7.55.58.36.88.3

10.0

21.622.0

10.14.78.8

15.914.413.039.713.2

9.810.030.442.9

5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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13The Little Data Book on Financial Inclusion 2018

Upper middle incomePopulation, age 15+ (millions) 2,048.5 GNI per capita ($) 8,176

73.171.657.0

72.871.557.0

3.20.8

69.362.461.672.9

62.344.422.617.817.937.530.638.1

10.811.0

14.56.45.3

26.931.55.9

46.419.1

22.422.126.144.411.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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14 2018 The Little Data Book on Financial Inclusion

Low & middle incomePopulation, age 15+ (millions) 4,510.5 GNI per capita ($) 4,441

63.055.241.8

61.354.241.8

5.32.5

58.654.253.262.0

43.931.614.110.912.320.619.122.2

15.515.8

12.55.87.2

20.522.410.643.415.5

15.415.728.543.8

7.8

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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15The Little Data Book on Financial Inclusion 2018

High incomePopulation, age 15+ (millions) 992.0 GNI per capita ($) 41,150

93.792.888.3

93.792.888.3

..

..

92.990.089.993.7

90.586.459.738.934.367.651.880.1

3.83.8

..

..

..

54.849.6

..71.443.9

55.151.913.364.426.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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AfghanistanGender-matched sampling was used during the final stage of selection .

AlgeriaGlobal Findex data exclude sparsely populated areas in the far South, representing about 10 percent of the population .

ArgentinaGlobal Findex data exclude dispersed rural population areas, representing about 5 .7 percent of the population .

AzerbaijanGlobal Findex data exclude Kelbadjaro-Lacha, Nagorno-Karabakh, and Nakhichevan territories, representing about 14 percent of the population .

BahrainGlobal Findex data include only Bahraini nationals, Arab expatriates, and non-Arabs who were able to participate in the survey in Arabic or English .

BangladeshGlobal Findex data exclude three hill districts in Chittagong (Bandarban, Khagrachori, and Rangamati) for security reasons . The excluded areas represent about 1 percent of the population .

CameroonGlobal Findex data exclude some localities because of security concerns: Blangoua, Bourrha, Darak, Fotokol, Goulfey, Hile-Alifa, Kolofata, Koza, Mayo Moskota, Mogode, Mora, Tokombere, Waza, and Zina . The excluded areas represent about 10 percent of the population .

Central African RepublicGlobal Findex data exclude some prefectures because of security concerns: Bamingui-Bangoran, Basse-Kotto, Haute-Kotto, Haut-Mbomou, Mbomou, Nana-Grébizi, Ouham, Ouham-Pende, and Vakaga . The excluded areas represent about 40 percent of the estimated population .

ChadGlobal Findex data exclude seven regions because of security concerns and wilderness (Bourkou, Ennedi, Ouaddai, Salamat, Sila, Tibesti, and Wadi Fira) as well as quartiers or villages with less than 50 inhabitants . The excluded areas represent about 20 percent of the population .

ChileGlobal Findex data exclude the remote areas Antarctica, Easter Island, and Juan Fernández Island, representing about 0 .04 percent of the population .

ChinaGlobal Findex data exclude Tibet and Xinjiang, representing less than 5 percent of the population . Unless otherwise noted, data for China do not include data for Hong Kong SAR, China; Macao SAR, China; or Taiwan, China .

Country tables

16 2018 The Little Data Book on Financial Inclusion

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Congo, Dem. Rep. Global Findex data exclude parts of several provinces (Eastern Kasai, Equateur, Katanga, North Kivu, Orientale, and South Kivu) and all of Western Kasai province for security reasons . The excluded areas represent about 34 percent of the estimated population .

CyprusGNI per capita data refer to the area controlled by the government of Cyprus .

Egypt, Arab Rep.Global Findex data exclude frontier governorates (Matruh, New Valley, North Sinai, Red Sea, and South Sinai) because of their remoteness and small population share . The excluded areas represent less than 2 percent of the population .

GeorgiaGNI per capita and population data exclude Abkhazia and South Ossetia .

IndiaGlobal Findex data exclude Northeast states and remote islands, representing less than 10 percent of the population .

IsraelGlobal Findex data exclude East Jerusalem . This area is included in the sample for West Bank and Gaza .

JapanGlobal Findex data exclude 12 municipalities near the nuclear power plant in Fukushima, representing less than 1 percent of the population .

JordanBecause of a change in survey methodology, Global Findex data for 2017 include any respondent in a fixed household able to participate in the survey in Arabic . This resulted in a higher percentage of self-reported non-Jordanians (12 percent in the 2017 sample, compared with less than 5 percent in previous waves) .

KuwaitGlobal Findex data include only Kuwaiti nationals, Arab expatriates, and non-Arabs who were able to participate in the survey in Arabic or English .

Lao PDRGlobal Findex data exclude Xaisomboun Province and some communes in Bokeo, Huaphanh, Luangnamtha, Luangprabang, Oudomxay, Phongsaly, Saravane, Sekong, Xayaboury, and Xienkhuang because of remoteness or security issues . The excluded areas represent about 10 percent of the population .

Country tables

17The Little Data Book on Financial Inclusion 2018

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LebanonGlobal Findex data exclude towns of Baalbek, Bint Jbeil, and Hermel under the control of Hezbollah as well as the Beirut suburb of Dahiyeh . The excluded areas represent about 13 percent of the population . Excluded zones were replaced by areas within the same governorate .

MadagascarGlobal Findex data exclude unsafe or inaccessible regions, representing about 25 percent of the population .

MaliGlobal Findex data exclude the regions of Gao, Kidal, Mopti, and Tombouctou because of security concerns . These regions represent 23 percent of the population .

MoldovaGNI per capita, population, and Global Findex data exclude Transnistria (Prednestrovie) because of security concerns . The excluded area represents about 13 percent of the population .

MontenegroGlobal Findex data exclude some very small and remote villages (with less than 150 people), representing about 0 .5–1 .5 percent of the population .

MoroccoGNI per capita data include the former Spanish Sahara . Global Findex data exclude the Southern provinces, representing about 3 percent of the population .

MyanmarGlobal Findex data exclude the states of Chin, Kachin, and Kayah, representing less than 5 percent of the population .

NigeriaGlobal Findex data exclude the states of Adamawa, Borno, and Yobe because of security concerns . These states represent 7 percent of the population .

Russian FederationGlobal Findex data exclude remote or difficult-to-access areas in the Far North, North Caucasus, and Far East (Nenets autonomous region, Yamalo-Nenets autonomous region, Chukotsk region) as well as other remote or difficult-to-access districts . The excluded areas represent about 20 percent of the population .

Saudi ArabiaGlobal Findex data include only Saudi nationals, Arab expatriates, and non-Arabs who were able to participate in the survey in Arabic or English .

Country tables

18 2018 The Little Data Book on Financial Inclusion

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SingaporeGlobal Findex data exclude 7 percent of condominium dwellers . About 14 percent of the population were living in condominiums as of 2016 .

South SudanGlobal Findex data exclude parts of 9 of 10 states because of security concerns . It excludes the majority of Unity State and Upper Nile State as well as all of Jonglei State except Bor South County . The excluded areas represent 44 percent of the population .

TanzaniaGNI per capita data refer to mainland Tanzania only .

ThailandGlobal Findex data exclude three provinces in the South region (Narathiwat, Pattani, and Yala) for security reasons as well as a few districts in other provinces . The excluded areas represent less than 4 percent of the population .

UkraineGlobal Findex data exclude occupied and conflict areas in Donetsk and Lugansk oblasts . The excluded areas represent 10 percent of the population .

United Arab EmiratesGlobal Findex data include only Emirati nationals, Arab expatriates, and non-Arabs who were able to participate in the survey in Arabic or English .

Venezuela, RBGlobal Findex data exclude the Federal Dependencies because of remoteness and difficulty of access, as well as some additional areas because of security concerns . The excluded areas represent about 5 percent of the population .

VietnamGlobal Findex data exclude 11 provinces: An Giang, Dac Lak, Dien Bien, Gia Lai, Ha Giang, Ha Tinh, Kien Giang, Kon Tum, Nghe An, Quang Binh, and Thanh Hoa . The excluded areas represent about 19 percent of the population .

West Bank and GazaGlobal Findex data exclude areas with security concerns close to the Israeli borders, areas accessible only to special Israeli permit holders, and areas with a population of less than 1,000 . The excluded areas represent less than 2 percent of the population . The data include East Jerusalem .

Country tables

19The Little Data Book on Financial Inclusion 2018

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20 2018 The Little Data Book on Financial Inclusion

Country data

SouthAsia

Lowincome

AfghanistanPopulation, age 15+ (millions) 19.5 GNI per capita ($) 580

South Asia Low income

14.9 69.6 34.910.0 46.5 22.9

9.0 32.4 13.4

14.5 68.4 24.510.0 45.6 16.9

9.0 32.4 13.4

0.9 4.2 17.60.3 2.6 9.9

7.2 64.1 29.913.8 65.6 25.5

4.0 61.7 23.415.3 69.2 32.3

10.8 27.8 25.65.6 16.7 15.10.8 7.1 4.42.8 4.8 3.3

.. 7.1 4.30.5 4.5 4.80.9 7.1 17.1

.. 10.0 ..

4.8 31.2 5.25.0 31.6 6.5

2.5 7.6 16.02.0 1.9 9.69.6 8.3 8.0

3.7 17.2 11.13.6 12.7 8.90.8 10.2 23.0

14.0 33.2 47.67.4 11.4 8.9

3.8 7.8 7.94.5 8.6 6.1

25.8 31.3 31.333.9 41.5 45.6

7.4 5.1 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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21The Little Data Book on Financial Inclusion 2018

Country data

Europe &Central

Asia

Upper middle income

AlbaniaPopulation, age 15+ (millions) 2.4 GNI per capita ($) 4,180

Europe & Central Asia Upper middle income

40.0 65.3 73.138.0 57.8 71.628.3 44.8 57.0

39.3 65.1 72.838.0 57.8 71.528.3 44.8 57.0

2.4 3.2 3.2.. 0.2 0.8

38.1 62.5 69.322.8 56.3 62.426.9 52.8 61.630.6 61.7 72.9

28.8 60.4 62.320.0 46.1 44.4

4.8 23.0 22.69.2 21.2 17.8

12.1 28.8 17.97.3 30.6 37.54.2 23.1 30.67.7 38.5 38.1

7.4 6.6 10.87.5 6.7 11.0

3.7 12.8 14.53.8 7.0 6.4

14.3 8.0 5.3

8.7 14.4 26.97.5 11.0 31.51.5 5.0 5.9

25.9 37.0 46.48.9 15.0 19.1

12.5 24.2 22.413.5 22.3 22.124.5 24.5 26.143.0 44.0 44.4

8.5 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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22 2018 The Little Data Book on Financial Inclusion

Country data

Middle East &

North Africa

Upper middle income

AlgeriaPopulation, age 15+ (millions) 28.8 GNI per capita ($) 4,220

Middle East & North Africa Upper middle income

42.8 43.5 73.150.5 .. 71.633.3 32.9 57.0

42.8 43.0 72.850.5 .. 71.533.3 32.9 57.0

.. 5.8 3.2

.. .. 0.8

29.3 35.0 69.335.0 35.3 62.428.7 35.0 61.643.8 36.9 72.9

26.0 33.3 62.325.4 .. 44.48.4 9.8 22.63.2 5.9 17.8

11.5 19.5 17.94.6 12.2 37.52.0 10.4 30.64.7 16.2 38.1

13.6 7.1 10.813.6 7.2 11.0

5.5 5.0 14.50.3 4.9 6.4

19.3 11.1 5.3

11.4 10.8 26.913.8 .. 31.5

4.4 8.0 5.938.7 31.3 46.412.4 8.1 19.1

5.0 9.6 22.45.8 .. 22.1

18.6 31.1 26.128.9 42.6 44.4

4.7 8.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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23The Little Data Book on Financial Inclusion 2018

Country data

Latin America &the Carib.

Upper middle income

ArgentinaPopulation, age 15+ (millions) 32.9 GNI per capita ($) 11,970

Latin America & Caribbean Upper middle income

48.7 54.4 73.150.2 51.4 71.633.1 39.3 57.0

47.9 53.5 72.850.2 51.2 71.533.1 39.3 57.0

2.4 5.3 3.20.4 1.7 0.8

50.8 51.3 69.338.1 41.9 62.449.0 43.3 61.647.6 52.6 72.9

40.2 45.1 62.333.9 37.7 44.4

8.1 14.0 22.69.2 12.6 17.8

17.9 15.9 17.918.6 14.9 37.510.5 11.1 30.631.7 27.6 38.1

6.2 9.0 10.86.4 9.3 11.0

3.0 8.9 14.52.7 4.8 6.45.4 3.9 5.3

7.2 12.2 26.94.1 13.4 31.53.2 7.5 5.9

30.3 37.2 46.46.8 11.8 19.1

24.4 20.8 22.426.7 24.8 22.115.7 15.2 26.137.5 37.6 44.43.2 5.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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24 2018 The Little Data Book on Financial Inclusion

Country data

Europe &Central

Asia

Lower middle income

ArmeniaPopulation, age 15+ (millions) 2.3 GNI per capita ($) 3,770

Europe & Central Asia Lower middle income

47.8 65.3 57.817.7 57.8 41.917.5 44.8 28.9

45.3 65.1 56.117.2 57.8 40.617.5 44.8 28.9

9.8 3.2 5.30.7 0.2 3.2

40.9 62.5 53.034.4 56.3 50.733.2 52.8 50.846.8 61.7 57.6

41.5 60.4 29.212.2 46.1 19.715.3 23.0 7.5

8.7 21.2 5.517.7 28.8 8.315.4 30.6 6.811.3 23.1 8.312.0 38.5 10.0

7.3 6.6 21.68.2 6.7 22.0

12.0 12.8 10.17.3 7.0 4.7

10.7 8.0 8.8

10.0 14.4 15.91.6 11.0 14.44.7 5.0 13.0

31.3 37.0 39.75.6 15.0 13.2

31.2 24.2 9.821.1 22.3 10.028.8 24.5 30.455.3 44.0 42.916.6 11.6 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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25The Little Data Book on Financial Inclusion 2018

Country data

High income

AustraliaPopulation, age 15+ (millions) 19.6 GNI per capita ($) 54,230

High income

99.5 93.798.9 92.899.1 88.3

99.5 93.798.9 92.899.1 88.3

.. ..

.. ..

99.2 92.999.3 90.098.6 89.999.3 93.7

95.9 90.594.9 86.459.9 59.737.0 38.950.5 34.375.6 67.667.7 51.890.0 80.1

2.9 3.82.9 3.8

.. ..

.. ..

.. ..

62.1 54.861.4 49.6

.. ..79.3 71.450.3 43.9

63.7 55.165.0 51.913.2 13.371.7 64.438.2 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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26 2018 The Little Data Book on Financial Inclusion

Country data

High income

AustriaPopulation, age 15+ (millions) 7.5 GNI per capita ($) 45,870

High income

98.2 93.796.7 92.897.1 88.3

98.2 93.796.7 92.897.1 88.3

.. ..

.. ..

98.4 92.997.9 90.096.4 89.999.3 93.7

96.1 90.592.3 86.473.3 59.744.9 38.937.3 34.363.5 67.650.7 51.883.8 80.1

3.4 3.83.4 3.8

.. ..

.. ..

.. ..

55.8 54.860.4 49.6

.. ..79.6 71.456.6 43.9

47.3 55.142.1 51.914.3 13.361.6 64.419.7 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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27The Little Data Book on Financial Inclusion 2018

Country data

Europe &Central

Asia

Upper middle income

AzerbaijanPopulation, age 15+ (millions) 7.5 GNI per capita ($) 4,760

Europe & Central Asia Upper middle income

28.6 65.3 73.129.2 57.8 71.614.9 44.8 57.0

28.6 65.1 72.829.2 57.8 71.514.9 44.8 57.0

.. 3.2 3.2

.. 0.2 0.8

27.7 62.5 69.318.1 56.3 62.421.7 52.8 61.620.2 61.7 72.9

24.6 60.4 62.317.7 46.1 44.43.9 23.0 22.68.3 21.2 17.8

14.6 28.8 17.99.4 30.6 37.52.0 23.1 30.67.4 38.5 38.1

1.5 6.6 10.81.5 6.7 11.0

2.8 12.8 14.53.7 7.0 6.4

17.2 8.0 5.3

4.5 14.4 26.95.3 11.0 31.53.5 5.0 5.9

26.8 37.0 46.46.5 15.0 19.1

15.1 24.2 22.424.6 22.3 22.141.2 24.5 26.150.6 44.0 44.4

6.6 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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28 2018 The Little Data Book on Financial Inclusion

Country data

High income

BahrainPopulation, age 15+ (millions) 1.1 GNI per capita ($) 22,660

High income

82.6 93.781.9 92.864.5 88.3

82.6 93.781.9 92.864.5 88.3

.. ..

.. ..

75.4 92.975.8 90.070.3 89.984.6 93.7

77.3 90.569.2 86.422.3 59.733.9 38.928.6 34.343.7 67.629.0 51.861.3 80.1

4.9 3.84.9 3.8

.. ..

.. ..

.. ..

30.7 54.834.7 49.6

.. ..54.9 71.422.9 43.9

36.3 55.138.7 51.932.9 13.360.2 64.425.2 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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29The Little Data Book on Financial Inclusion 2018

Country data

South Asia

Lower middle income

BangladeshPopulation, age 15+ (millions) 115.9 GNI per capita ($) 1,330

South Asia Lower middle income

50.0 69.6 57.831.0 46.5 41.931.7 32.4 28.9

41.0 68.4 56.129.1 45.6 40.631.7 32.4 28.9

21.2 4.2 5.32.7 2.6 3.2

35.8 64.1 53.040.1 65.6 50.738.4 61.7 50.849.9 69.2 57.6

34.1 27.8 29.27.4 16.7 19.7

10.0 7.1 7.53.5 4.8 5.5

.. 7.1 8.33.5 4.5 6.8

22.4 7.1 8.3.. 10.0 10.0

10.4 31.2 21.612.6 31.6 22.0

12.6 7.6 10.18.8 1.9 4.77.6 8.3 8.8

9.9 17.2 15.97.4 12.7 14.4

11.7 10.2 13.027.5 33.2 39.78.7 11.4 13.2

9.2 7.8 9.810.0 8.6 10.021.4 31.3 30.436.8 41.5 42.910.2 5.1 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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30 2018 The Little Data Book on Financial Inclusion

Country data

Europe &Central

Asia

Upper middle income

BelarusPopulation, age 15+ (millions) 7.9 GNI per capita ($) 5,600

Europe & Central Asia Upper middle income

81.2 65.3 73.172.0 57.8 71.658.6 44.8 57.0

81.2 65.1 72.872.0 57.8 71.558.6 44.8 57.0

.. 3.2 3.2

.. 0.2 0.8

81.3 62.5 69.374.4 56.3 62.456.7 52.8 61.674.7 61.7 72.9

78.7 60.4 62.361.1 46.1 44.436.4 23.0 22.635.3 21.2 17.842.9 28.8 17.945.7 30.6 37.532.4 23.1 30.660.8 38.5 38.1

1.8 6.6 10.81.8 6.7 11.0

8.0 12.8 14.55.6 7.0 6.4

22.5 8.0 5.3

22.2 14.4 26.914.9 11.0 31.5

2.0 5.0 5.950.4 37.0 46.424.1 15.0 19.1

21.5 24.2 22.420.8 22.3 22.134.2 24.5 26.148.6 44.0 44.415.4 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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31The Little Data Book on Financial Inclusion 2018

Country data

High income

BelgiumPopulation, age 15+ (millions) 9.4 GNI per capita ($) 41,860

High income

98.6 93.798.1 92.896.3 88.3

98.6 93.798.1 92.896.3 88.3

.. ..

.. ..

98.8 92.998.9 90.097.0 89.999.1 93.7

97.1 90.595.6 86.475.4 59.736.2 38.947.4 34.371.1 67.661.9 51.887.5 80.1

4.1 3.84.1 3.8

.. ..

.. ..

.. ..

55.6 54.855.5 49.6

.. ..69.9 71.451.6 43.9

48.3 55.145.3 51.9

9.3 13.354.5 64.432.7 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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32 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Low income

BeninPopulation, age 15+ (millions) 6.2 GNI per capita ($) 820

Sub-Saharan Africa Low income

38.5 42.6 34.916.6 34.2 22.910.5 23.2 13.4

31.9 32.8 24.516.0 28.8 16.910.5 23.2 13.4

18.1 20.9 17.62.0 11.6 9.9

28.6 36.9 29.931.9 31.9 25.525.3 31.4 23.435.0 39.5 32.3

28.5 34.4 25.68.2 26.9 15.13.7 7.7 4.43.1 5.7 3.3

.. 7.3 4.34.5 7.6 4.8

18.8 20.8 17.16.0 7.5 ..

9.7 5.5 5.212.2 7.1 6.5

16.2 22.7 16.010.5 11.0 9.611.3 9.4 8.0

9.8 14.9 11.17.1 15.8 8.9

28.2 25.3 23.049.3 54.4 47.612.4 10.3 8.9

11.4 8.4 7.97.7 7.5 6.1

23.5 31.0 31.346.3 45.7 45.6

6.0 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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33The Little Data Book on Financial Inclusion 2018

Country data

Latin America &the Carib.

Lower middle income

BoliviaPopulation, age 15+ (millions) 7.4 GNI per capita ($) 3,070

Latin America & Caribbean Lower middle income

54.4 54.4 57.841.8 51.4 41.928.0 39.3 28.9

51.2 53.5 56.140.7 51.2 40.628.0 39.3 28.9

7.1 5.3 5.32.8 1.7 3.2

53.9 51.3 53.042.8 41.9 50.736.7 43.3 50.853.1 52.6 57.6

40.0 45.1 29.227.0 37.7 19.717.3 14.0 7.54.7 12.6 5.58.3 15.9 8.39.0 14.9 6.89.5 11.1 8.3

10.4 27.6 10.0

11.2 9.0 21.611.7 9.3 22.0

15.5 8.9 10.16.9 4.8 4.77.8 3.9 8.8

16.4 12.2 15.923.5 13.4 14.4

6.4 7.5 13.054.8 37.2 39.719.9 11.8 13.2

20.0 20.8 9.822.1 24.8 10.026.7 15.2 30.444.6 37.6 42.912.0 5.2 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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34 2018 The Little Data Book on Financial Inclusion

Country data

Europe &Central

Asia

Upper middle income

Bosnia and HerzegovinaPopulation, age 15+ (millions) 3.0 GNI per capita ($) 4,940

Europe & Central Asia Upper middle income

58.8 65.3 73.152.7 57.8 71.656.2 44.8 57.0

58.8 65.1 72.852.7 57.8 71.556.2 44.8 57.0

.. 3.2 3.2

.. 0.2 0.8

54.7 62.5 69.347.5 56.3 62.443.0 52.8 61.658.8 61.7 72.9

50.3 60.4 62.332.0 46.1 44.412.2 23.0 22.617.3 21.2 17.822.4 28.8 17.915.5 30.6 37.56.0 23.1 30.6

25.8 38.5 38.1

7.8 6.6 10.87.8 6.7 11.0

4.0 12.8 14.51.4 7.0 6.4

10.3 8.0 5.3

9.8 14.4 26.98.8 11.0 31.51.9 5.0 5.9

21.2 37.0 46.48.8 15.0 19.1

14.7 24.2 22.417.6 22.3 22.17.3 24.5 26.1

23.8 44.0 44.415.3 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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35The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Upper middle income

BotswanaPopulation, age 15+ (millions) 1.5 GNI per capita ($) 6,750

Sub-Saharan Africa Upper middle income

51.0 42.6 73.152.0 34.2 71.630.3 23.2 57.0

44.8 32.8 72.849.2 28.8 71.530.3 23.2 57.0

24.4 20.9 3.220.8 11.6 0.8

46.8 36.9 69.334.7 31.9 62.436.5 31.4 61.647.8 39.5 72.9

41.8 34.4 62.342.2 26.9 44.4

9.5 7.7 22.610.7 5.7 17.812.6 7.3 17.910.5 7.6 37.524.7 20.8 30.617.2 7.5 38.1

9.8 5.5 10.811.6 7.1 11.0

18.8 22.7 14.56.7 11.0 6.45.1 9.4 5.3

18.0 14.9 26.926.6 15.8 31.525.1 25.3 5.946.8 54.4 46.414.4 10.3 19.1

8.9 8.4 22.417.6 7.5 22.124.7 31.0 26.137.5 45.7 44.43.0 4.7 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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36 2018 The Little Data Book on Financial Inclusion

Country data

Latin America &the Carib.

Upper middle income

BrazilPopulation, age 15+ (millions) 161.7 GNI per capita ($) 8,840

Latin America & Caribbean Upper middle income

70.0 54.4 73.168.1 51.4 71.655.9 39.3 57.0

70.0 53.5 72.868.1 51.2 71.555.9 39.3 57.0

4.8 5.3 3.20.9 1.7 0.8

67.5 51.3 69.356.6 41.9 62.461.4 43.3 61.671.0 52.6 72.9

57.9 45.1 62.350.4 37.7 44.421.4 14.0 22.617.4 12.6 17.822.8 15.9 17.917.6 14.9 37.512.9 11.1 30.639.1 27.6 38.1

11.8 9.0 10.812.0 9.3 11.0

8.3 8.9 14.51.5 4.8 6.43.3 3.9 5.3

14.5 12.2 26.912.3 13.4 31.5

4.0 7.5 5.932.5 37.2 46.410.9 11.8 19.1

26.3 20.8 22.433.8 24.8 22.113.7 15.2 26.140.0 37.6 44.4

4.6 5.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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37The Little Data Book on Financial Inclusion 2018

Country data

Europe &Central

Asia

Upper middle income

BulgariaPopulation, age 15+ (millions) 6.1 GNI per capita ($) 7,580

Europe & Central Asia Upper middle income

72.2 65.3 73.163.0 57.8 71.652.8 44.8 57.0

72.2 65.1 72.863.0 57.8 71.552.8 44.8 57.0

.. 3.2 3.2

.. 0.2 0.8

73.6 62.5 69.354.5 56.3 62.451.2 52.8 61.665.6 61.7 72.9

64.9 60.4 62.347.8 46.1 44.410.9 23.0 22.629.8 21.2 17.829.0 28.8 17.926.0 30.6 37.510.7 23.1 30.637.0 38.5 38.1

4.3 6.6 10.84.3 6.7 11.0

6.9 12.8 14.52.4 7.0 6.49.4 8.0 5.3

27.8 14.4 26.914.3 11.0 31.51.3 5.0 5.9

41.3 37.0 46.419.8 15.0 19.1

18.8 24.2 22.418.8 22.3 22.124.3 24.5 26.137.6 44.0 44.49.5 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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38 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Low income

Burkina FasoPopulation, age 15+ (millions) 10.2 GNI per capita ($) 620

Sub-Saharan Africa Low income

43.2 42.6 34.914.4 34.2 22.913.4 23.2 13.4

23.3 32.8 24.513.4 28.8 16.913.4 23.2 13.4

33.0 20.9 17.63.1 11.6 9.9

34.5 36.9 29.926.7 31.9 25.529.9 31.4 23.440.0 39.5 32.3

38.9 34.4 25.68.3 26.9 15.13.0 7.7 4.46.0 5.7 3.37.8 7.3 4.35.4 7.6 4.8

29.0 20.8 17.13.8 7.5 ..

3.1 5.5 5.25.3 7.1 6.5

25.8 22.7 16.016.6 11.0 9.66.9 9.4 8.0

12.1 14.9 11.18.7 15.8 8.9

27.1 25.3 23.053.9 54.4 47.613.6 10.3 8.9

10.0 8.4 7.95.9 7.5 6.1

34.8 31.0 31.352.3 45.7 45.6

6.1 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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39The Little Data Book on Financial Inclusion 2018

Country data

EastAsia &Pacific

Lower middle income

CambodiaPopulation, age 15+ (millions) 10.8 GNI per capita ($) 1,140

East Asia & Pacific Lower middle income

21.7 70.6 57.822.2 69.1 41.9

3.7 55.1 28.9

17.8 70.3 56.112.6 68.9 40.6

3.7 55.1 28.9

5.7 1.3 5.313.3 0.4 3.2

21.5 67.9 53.014.3 59.3 50.714.8 59.8 50.819.2 68.8 57.6

15.6 58.0 29.217.6 39.0 19.75.7 20.8 7.51.1 15.9 5.52.9 12.2 8.33.8 38.6 6.85.9 31.0 8.3

.. 33.1 10.0

4.9 11.8 21.65.1 11.9 22.0

4.9 15.0 10.126.1 7.3 4.79.9 5.8 8.8

5.3 30.6 15.93.6 36.7 14.4

11.0 8.6 13.051.5 53.1 39.720.4 23.2 13.2

26.7 21.5 9.828.4 19.5 10.035.1 29.6 30.458.7 46.8 42.916.1 10.8 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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40 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Lower middle income

CameroonPopulation, age 15+ (millions) 13.4 GNI per capita ($) 1,400

Sub-Saharan Africa Lower middle income

34.6 42.6 57.812.2 34.2 41.914.8 23.2 28.9

26.9 32.8 56.111.4 28.8 40.614.8 23.2 28.9

15.1 20.9 5.31.8 11.6 3.2

30.0 36.9 53.025.0 31.9 50.722.9 31.4 50.829.2 39.5 57.6

28.6 34.4 29.27.7 26.9 19.75.2 7.7 7.54.2 5.7 5.5

.. 7.3 8.35.6 7.6 6.8

15.6 20.8 8.32.9 7.5 10.0

7.2 5.5 21.68.6 7.1 22.0

20.4 22.7 10.122.1 11.0 4.78.9 9.4 8.8

10.9 14.9 15.97.7 15.8 14.4

31.9 25.3 13.057.0 54.4 39.710.0 10.3 13.2

7.7 8.4 9.82.1 7.5 10.0

32.7 31.0 30.452.7 45.7 42.95.9 4.7 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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41The Little Data Book on Financial Inclusion 2018

Country data

High income

CanadaPopulation, age 15+ (millions) 30.5 GNI per capita ($) 43,680

High income

99.7 93.799.1 92.895.8 88.3

99.7 93.799.1 92.895.8 88.3

.. ..

.. ..

99.9 92.999.8 90.099.5 89.999.7 93.7

97.9 90.596.3 86.468.5 59.736.7 38.951.8 34.379.7 67.669.6 51.895.3 80.1

1.6 3.81.6 3.8

.. ..

.. ..

.. ..

67.6 54.862.6 49.6

.. ..80.1 71.459.3 43.9

82.8 55.176.5 51.913.9 13.388.2 64.435.8 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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42 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Low income

Central African RepublicPopulation, age 15+ (millions) 2.6 GNI per capita ($) 370

Sub-Saharan Africa Low income

13.7 42.6 34.9.. 34.2 22.9

3.3 23.2 13.4

13.7 32.8 24.5.. 28.8 16.9

3.3 23.2 13.4

.. 20.9 17.6

.. 11.6 9.9

9.7 36.9 29.99.2 31.9 25.5

11.2 31.4 23.47.5 39.5 32.3

9.3 34.4 25.6.. 26.9 15.1

2.4 7.7 4.4.. 5.7 3.3.. 7.3 4.3

4.7 7.6 4.82.2 20.8 17.1

.. 7.5 ..

5.3 5.5 5.25.3 7.1 6.5

4.4 22.7 16.09.4 11.0 9.6

10.2 9.4 8.0

5.7 14.9 11.1.. 15.8 8.9

22.3 25.3 23.039.7 54.4 47.69.6 10.3 8.9

4.5 8.4 7.9.. 7.5 6.1

19.0 31.0 31.336.7 45.7 45.6

5.1 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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43The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

ChadPopulation, age 15+ (millions) 7.6 GNI per capita ($) 720

Sub-Saharan Africa Low income

21.8 42.6 34.912.4 34.2 22.9

9.0 23.2 13.4

8.8 32.8 24.57.7 28.8 16.99.0 23.2 13.4

15.2 20.9 17.65.8 11.6 9.9

14.9 36.9 29.914.1 31.9 25.515.7 31.4 23.420.8 39.5 32.3

19.0 34.4 25.69.2 26.9 15.11.9 7.7 4.4

.. 5.7 3.3

.. 7.3 4.32.5 7.6 4.8

13.4 20.8 17.1.. 7.5 ..

2.7 5.5 5.2.. 7.1 6.5

12.4 22.7 16.010.2 11.0 9.64.8 9.4 8.0

2.5 14.9 11.14.6 15.8 8.9

15.0 25.3 23.026.9 54.4 47.6

5.4 10.3 8.9

3.9 8.4 7.92.4 7.5 6.1

27.7 31.0 31.338.1 45.7 45.63.2 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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44 2018 The Little Data Book on Financial Inclusion

Country data

High income

ChilePopulation, age 15+ (millions) 14.2 GNI per capita ($) 13,540

High income

74.3 93.763.3 92.842.2 88.3

73.8 93.763.2 92.842.2 88.3

18.7 ..3.8 ..

71.3 92.966.9 90.058.5 89.971.5 93.7

65.4 90.552.6 86.416.1 59.727.1 38.918.3 34.329.5 67.628.0 51.853.4 80.1

8.7 3.88.7 3.8

16.7 ..4.2 ..5.3 ..

21.1 54.815.0 49.6

7.8 ..49.2 71.417.7 43.9

30.9 55.131.3 51.915.2 13.345.4 64.410.4 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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45The Little Data Book on Financial Inclusion 2018

Country data

EastAsia &Pacific

Upper middle income

ChinaPopulation, age 15+ (millions) 1,134.6 GNI per capita ($) 8,250

East Asia & Pacific Upper middle income

80.2 70.6 73.178.9 69.1 71.663.8 55.1 57.0

80.2 70.3 72.878.9 68.9 71.563.8 55.1 57.0

.. 1.3 3.2

.. 0.4 0.8

76.4 67.9 69.368.4 59.3 62.469.5 59.8 61.677.7 68.8 72.9

67.9 58.0 62.344.5 39.0 44.425.8 20.8 22.619.3 15.9 17.812.8 12.2 17.948.8 38.6 37.539.8 31.0 30.641.9 33.1 38.1

12.0 11.8 10.812.0 11.9 11.0

14.8 15.0 14.56.3 7.3 6.44.8 5.8 5.3

34.8 30.6 26.941.2 36.7 31.54.2 8.6 5.9

51.1 53.1 46.421.6 23.2 19.1

22.7 21.5 22.420.6 19.5 22.128.3 29.6 26.144.7 46.8 44.412.4 10.8 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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46 2018 The Little Data Book on Financial Inclusion

Country data

Latin America &the Carib.

Upper middle income

ColombiaPopulation, age 15+ (millions) 37.0 GNI per capita ($) 6,310

Latin America & Caribbean Upper middle income

45.8 54.4 73.139.0 51.4 71.630.4 39.3 57.0

44.9 53.5 72.838.4 51.2 71.530.4 39.3 57.0

4.7 5.3 3.22.2 1.7 0.8

42.5 51.3 69.335.0 41.9 62.430.8 43.3 61.641.2 52.6 72.9

37.3 45.1 62.329.6 37.7 44.413.8 14.0 22.610.3 12.6 17.812.5 15.9 17.911.7 14.9 37.58.5 11.1 30.6

17.5 27.6 38.1

8.1 9.0 10.88.4 9.3 11.0

10.6 8.9 14.515.1 4.8 6.44.9 3.9 5.3

8.7 12.2 26.912.3 13.4 31.55.2 7.5 5.9

38.8 37.2 46.412.9 11.8 19.1

21.2 20.8 22.421.7 24.8 22.120.5 15.2 26.141.3 37.6 44.46.9 5.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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47The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

Congo, Dem. Rep.Population, age 15+ (millions) 42.2 GNI per capita ($) 430

Sub-Saharan Africa Low income

25.8 42.6 34.917.5 34.2 22.93.7 23.2 13.4

15.0 32.8 24.510.9 28.8 16.9

3.7 23.2 13.4

16.1 20.9 17.69.2 11.6 9.9

24.2 36.9 29.917.4 31.9 25.517.7 31.4 23.418.5 39.5 32.3

21.7 34.4 25.614.7 26.9 15.11.9 7.7 4.4

.. 5.7 3.3

.. 7.3 4.33.1 7.6 4.8

17.2 20.8 17.1.. 7.5 ..

3.9 5.5 5.24.4 7.1 6.5

13.3 22.7 16.010.8 11.0 9.6

9.1 9.4 8.0

4.7 14.9 11.14.7 15.8 8.9

10.6 25.3 23.038.9 54.4 47.6

6.0 10.3 8.9

3.9 8.4 7.93.0 7.5 6.1

23.2 31.0 31.334.8 45.7 45.6

1.9 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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48 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Lower middle income

Congo, Rep.Population, age 15+ (millions) 3.0 GNI per capita ($) 1,710

Sub-Saharan Africa Lower middle income

26.1 42.6 57.817.1 34.2 41.910.0 23.2 28.9

23.3 32.8 56.116.7 28.8 40.610.0 23.2 28.9

6.2 20.9 5.32.0 11.6 3.2

21.0 36.9 53.018.2 31.9 50.721.3 31.4 50.816.4 39.5 57.6

17.8 34.4 29.29.2 26.9 19.72.4 7.7 7.51.7 5.7 5.5

.. 7.3 8.34.4 7.6 6.85.7 20.8 8.34.1 7.5 10.0

9.5 5.5 21.610.3 7.1 22.0

10.2 22.7 10.124.6 11.0 4.74.9 9.4 8.8

7.4 14.9 15.99.8 15.8 14.4

15.7 25.3 13.045.7 54.4 39.7

9.1 10.3 13.2

5.2 8.4 9.85.1 7.5 10.0

19.8 31.0 30.440.4 45.7 42.9

2.8 4.7 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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49The Little Data Book on Financial Inclusion 2018

Country data

Latin America &the Carib.

Upper middle income

Costa RicaPopulation, age 15+ (millions) 3.8 GNI per capita ($) 10,840

Latin America & Caribbean Upper middle income

67.8 54.4 73.164.6 51.4 71.650.4 39.3 57.0

67.8 53.5 72.864.6 51.2 71.550.4 39.3 57.0

.. 5.3 3.2

.. 1.7 0.8

60.9 51.3 69.358.0 41.9 62.461.2 43.3 61.663.5 52.6 72.9

59.2 45.1 62.349.2 37.7 44.417.9 14.0 22.616.1 12.6 17.820.6 15.9 17.927.5 14.9 37.517.7 11.1 30.634.8 27.6 38.1

8.5 9.0 10.88.5 9.3 11.0

16.1 8.9 14.56.0 4.8 6.47.9 3.9 5.3

23.0 12.2 26.924.2 13.4 31.5

7.6 7.5 5.957.8 37.2 46.416.6 11.8 19.1

21.2 20.8 22.420.4 24.8 22.114.8 15.2 26.135.6 37.6 44.48.2 5.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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50 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Lower middle income

Côte d’IvoirePopulation, age 15+ (millions) 13.6 GNI per capita ($) 1,520

Sub-Saharan Africa Lower middle income

41.3 42.6 57.834.3 34.2 41.9

.. 23.2 28.9

14.8 32.8 56.115.1 28.8 40.6

.. 23.2 28.9

34.1 20.9 5.324.3 11.6 3.2

35.6 36.9 53.034.2 31.9 50.728.4 31.4 50.837.4 39.5 57.6

38.3 34.4 29.229.6 26.9 19.7

7.5 7.7 7.54.5 5.7 5.5

.. 7.3 8.37.1 7.6 6.8

33.3 20.8 8.3.. 7.5 10.0

2.3 5.5 21.63.4 7.1 22.0

26.5 22.7 10.118.1 11.0 4.78.5 9.4 8.8

6.4 14.9 15.98.9 15.8 14.4

20.7 25.3 13.049.0 54.4 39.7

9.6 10.3 13.2

2.7 8.4 9.82.7 7.5 10.0

25.1 31.0 30.439.2 45.7 42.9

2.7 4.7 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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51The Little Data Book on Financial Inclusion 2018

Country data

Europe & Central

Asia

Uppermiddle income

CroatiaPopulation, age 15+ (millions) 3.6 GNI per capita ($) 12,130

Europe and Central Asia Upper middle income

86.1 65.3 73.186.0 57.8 71.688.4 44.8 57.0

86.1 65.1 72.886.0 57.8 71.588.4 44.8 57.0

.. 3.2 3.2

.. 0.2 0.8

82.7 62.5 69.381.0 56.3 62.476.8 52.8 61.688.2 61.7 72.9

83.1 60.4 62.372.0 46.1 44.440.9 23.0 22.626.7 21.2 17.841.4 28.8 17.954.3 30.6 37.532.9 23.1 30.659.8 38.5 38.1

7.7 6.6 10.87.7 6.7 11.0

20.3 12.8 14.52.0 7.0 6.48.5 8.0 5.3

35.8 14.4 26.927.3 11.0 31.5

7.9 5.0 5.946.9 37.0 46.428.5 15.0 19.1

38.1 24.2 22.441.8 22.3 22.116.6 24.5 26.151.2 44.0 44.49.9 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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52 2018 The Little Data Book on Financial Inclusion

Country data

High income

CyprusPopulation, age 15+ (millions) 1.0 GNI per capita ($) 24,320

High income

88.7 93.790.2 92.885.2 88.3

88.7 93.790.2 92.885.2 88.3

.. ..

.. ..

90.0 92.983.8 90.085.0 89.987.3 93.7

80.1 90.566.6 86.434.9 59.725.7 38.939.5 34.339.0 67.632.5 51.849.5 80.1

7.2 3.87.2 3.8

.. ..

.. ..

.. ..

26.0 54.822.0 49.6

.. ..43.6 71.428.7 43.9

24.9 55.129.3 51.919.1 13.343.9 64.421.3 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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53The Little Data Book on Financial Inclusion 2018

Country data

High income

Czech RepublicPopulation, age 15+ (millions) 9.0 GNI per capita ($) 17,530

High income

81.0 93.782.2 92.880.7 88.3

81.0 93.782.2 92.880.7 88.3

.. ..

.. ..

78.6 92.970.6 90.058.7 89.978.9 93.7

79.6 90.578.2 86.455.9 59.737.1 38.935.3 34.366.1 67.652.5 51.866.5 80.1

1.0 3.81.0 3.8

11.6 ..0.7 ..

13.2 ..

45.3 54.837.6 49.65.7 ..

67.3 71.441.0 43.9

29.5 55.128.5 51.913.5 13.339.3 64.419.6 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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54 2018 The Little Data Book on Financial Inclusion

Country data

High income

DenmarkPopulation, age 15+ (millions) 4.8 GNI per capita ($) 57,020

High income

99.9 93.7100.0 92.8

99.7 88.3

99.9 93.7100.0 92.8

99.7 88.3

.. ..

.. ..

100.0 92.9100.0 90.099.8 89.9

100.0 93.7

99.4 90.599.1 86.475.9 59.740.0 38.957.3 34.388.1 67.683.0 51.893.8 80.1

2.0 3.82.0 3.8

.. ..

.. ..

.. ..

63.1 54.864.7 49.6

.. ..79.9 71.449.7 43.9

46.3 55.141.2 51.915.8 13.353.5 64.441.1 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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55The Little Data Book on Financial Inclusion 2018

Country data

Latin America &the Carib.

Upper middle income

Dominican RepublicPopulation, age 15+ (millions) 7.5 GNI per capita ($) 6,390

Latin America & Caribbean Upper middle income

56.2 54.4 73.154.1 51.4 71.638.2 39.3 57.0

54.8 53.5 72.854.0 51.2 71.538.2 39.3 57.0

3.9 5.3 3.22.3 1.7 0.8

54.1 51.3 69.342.1 41.9 62.437.9 43.3 61.651.6 52.6 72.9

44.4 45.1 62.332.3 37.7 44.48.3 14.0 22.6

10.7 12.6 17.815.2 15.9 17.912.8 14.9 37.5

8.4 11.1 30.622.8 27.6 38.1

8.6 9.0 10.88.7 9.3 11.0

15.4 8.9 14.512.8 4.8 6.411.5 3.9 5.3

19.5 12.2 26.926.5 13.4 31.519.1 7.5 5.951.9 37.2 46.413.2 11.8 19.1

30.3 20.8 22.424.0 24.8 22.119.3 15.2 26.151.1 37.6 44.48.6 5.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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56 2018 The Little Data Book on Financial Inclusion

Country data

Latin America &the Carib.

Upper middle income

EcuadorPopulation, age 15+ (millions) 11.7 GNI per capita ($) 5,800

Latin America & Caribbean Upper middle income

51.2 54.4 73.146.2 51.4 71.636.7 39.3 57.0

50.9 53.5 72.846.2 51.2 71.536.7 39.3 57.0

2.9 5.3 3.2.. 1.7 0.8

42.6 51.3 69.333.4 41.9 62.433.1 43.3 61.647.8 52.6 72.9

31.6 45.1 62.324.2 37.7 44.48.5 14.0 22.68.0 12.6 17.88.1 15.9 17.99.7 14.9 37.55.5 11.1 30.6

13.6 27.6 38.1

10.7 9.0 10.810.8 9.3 11.0

5.4 8.9 14.55.1 4.8 6.45.3 3.9 5.3

12.2 12.2 26.914.3 13.4 31.5

5.1 7.5 5.933.9 37.2 46.411.2 11.8 19.1

16.7 20.8 22.416.7 24.8 22.113.2 15.2 26.131.9 37.6 44.4

7.4 5.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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57The Little Data Book on Financial Inclusion 2018

Country data

Middle East &

North Africa

Lower middle income

Egypt, Arab Rep.Population, age 15+ (millions) 63.7 GNI per capita ($) 3,410

Middle East & North Africa Lower middle income

32.8 43.5 57.814.1 .. 41.9

9.7 32.9 28.9

32.1 43.0 56.113.7 .. 40.6

9.7 32.9 28.9

1.8 5.8 5.31.1 .. 3.2

27.0 35.0 53.020.3 35.3 50.728.5 35.0 50.829.3 36.9 57.6

22.8 33.3 29.27.9 .. 19.70.1 9.8 7.53.0 5.9 5.5

17.1 19.5 8.33.5 12.2 6.82.2 10.4 8.33.8 16.2 10.0

6.8 7.1 21.67.0 7.2 22.0

2.8 5.0 10.12.4 4.9 4.7

13.3 11.1 8.8

6.2 10.8 15.94.1 .. 14.4

16.2 8.0 13.030.6 31.3 39.74.2 8.1 13.2

8.8 9.6 9.87.7 .. 10.0

38.0 31.1 30.449.1 42.6 42.93.9 8.2 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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58 2018 The Little Data Book on Financial Inclusion

Country data

Latin America &the Carib.

Lower middle income

El SalvadorPopulation, age 15+ (millions) 4.6 GNI per capita ($) 3,920

Latin America & Caribbean Lower middle income

30.4 54.4 57.836.7 51.4 41.913.8 39.3 28.9

29.3 53.5 56.134.6 51.2 40.613.8 39.3 28.9

3.5 5.3 5.34.6 1.7 3.2

24.4 51.3 53.019.3 41.9 50.717.7 43.3 50.827.2 52.6 57.6

23.6 45.1 29.228.3 37.7 19.7

7.9 14.0 7.56.8 12.6 5.56.2 15.9 8.35.6 14.9 6.86.3 11.1 8.3

11.7 27.6 10.0

5.2 9.0 21.65.3 9.3 22.0

3.7 8.9 10.13.4 4.8 4.73.8 3.9 8.8

10.9 12.2 15.914.0 13.4 14.45.4 7.5 13.0

37.9 37.2 39.79.8 11.8 13.2

11.5 20.8 9.820.5 24.8 10.0

9.8 15.2 30.422.6 37.6 42.9

5.4 5.2 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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59The Little Data Book on Financial Inclusion 2018

Country data

High income

EstoniaPopulation, age 15+ (millions) 1.1 GNI per capita ($) 17,760

High income

98.0 93.797.7 92.896.8 88.3

98.0 93.797.7 92.896.8 88.3

.. ..

.. ..

98.4 92.996.2 90.097.4 89.998.2 93.7

96.8 90.595.4 86.472.3 59.747.6 38.952.6 34.374.8 67.669.5 51.885.5 80.1

2.4 3.82.4 3.8

22.0 ..1.0 ..5.6 ..

46.9 54.831.6 49.63.8 ..

67.3 71.435.0 43.9

31.8 55.132.4 51.9

9.0 13.339.7 64.425.0 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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60 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Low income

EthiopiaPopulation, age 15+ (millions) 60.3 GNI per capita ($) 660

Sub-Saharan Africa Low income

34.8 42.6 34.921.8 34.2 22.9

.. 23.2 13.4

34.8 32.8 24.521.8 28.8 16.9

.. 23.2 13.4

0.3 20.9 17.60.0 11.6 9.9

29.1 36.9 29.922.4 31.9 25.523.4 31.4 23.432.4 39.5 32.3

11.9 34.4 25.65.4 26.9 15.10.0 7.7 4.40.7 5.7 3.33.0 7.3 4.30.6 7.6 4.80.4 20.8 17.1

.. 7.5 ..

5.7 5.5 5.25.7 7.1 6.5

9.7 22.7 16.04.7 11.0 9.69.3 9.4 8.0

26.3 14.9 11.113.6 15.8 8.938.4 25.3 23.062.2 54.4 47.6

9.0 10.3 8.9

10.7 8.4 7.97.4 7.5 6.1

30.9 31.0 31.341.2 45.7 45.64.2 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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61The Little Data Book on Financial Inclusion 2018

Country data

High income

FinlandPopulation, age 15+ (millions) 4.6 GNI per capita ($) 45,050

High income

99.8 93.7100.0 92.8

99.7 88.3

99.8 93.7100.0 92.8

99.7 88.3

.. ..

.. ..

99.6 92.999.5 90.099.4 89.999.6 93.7

98.3 90.598.4 86.481.3 59.741.6 38.950.6 34.387.6 67.680.1 51.893.9 80.1

0.9 3.80.9 3.8

.. ..

.. ..

.. ..

54.5 54.857.0 49.6

.. ..72.3 71.439.0 43.9

54.2 55.158.0 51.913.0 13.361.4 64.435.5 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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62 2018 The Little Data Book on Financial Inclusion

Country data

High income

FrancePopulation, age 15+ (millions) 54.7 GNI per capita ($) 38,720

High income

94.0 93.796.6 92.897.0 88.3

94.0 93.796.6 92.897.0 88.3

.. ..

.. ..

91.3 92.993.5 90.089.2 89.994.4 93.7

92.2 90.592.0 86.468.1 59.743.3 38.930.7 34.367.4 67.649.1 51.885.1 80.1

4.3 3.84.3 3.8

.. ..

.. ..

.. ..

48.1 54.852.2 49.6

.. ..63.3 71.431.9 43.9

45.2 55.143.0 51.9

8.4 13.351.6 64.429.5 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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63The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Upper middle income

GabonPopulation, age 15+ (millions) 1.3 GNI per capita ($) 7,210

Sub-Saharan Africa Upper middle income

58.6 42.6 73.133.0 34.2 71.618.9 23.2 57.0

34.0 32.8 72.830.2 28.8 71.518.9 23.2 57.0

43.6 20.9 3.26.6 11.6 0.8

53.7 36.9 69.349.8 31.9 62.447.3 31.4 61.649.8 39.5 72.9

54.0 34.4 62.323.0 26.9 44.417.3 7.7 22.68.3 5.7 17.8

10.3 7.3 17.917.2 7.6 37.543.8 20.8 30.6

7.7 7.5 38.1

3.9 5.5 10.87.3 7.1 11.0

36.9 22.7 14.514.2 11.0 6.49.3 9.4 5.3

13.5 14.9 26.918.0 15.8 31.528.4 25.3 5.959.6 54.4 46.413.5 10.3 19.1

7.5 8.4 22.47.0 7.5 22.1

38.9 31.0 26.156.0 45.7 44.4

6.5 4.7 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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64 2018 The Little Data Book on Financial Inclusion

Country data

Europe &Central

Asia

Lower middle income

GeorgiaPopulation, age 15+ (millions) 3.0 GNI per capita ($) 3,830

Europe & Central Asia Lower middle income

61.2 65.3 57.839.7 57.8 41.933.0 44.8 28.9

61.2 65.1 56.139.7 57.8 40.633.0 44.8 28.9

2.2 3.2 5.3.. 0.2 3.2

63.6 62.5 53.046.1 56.3 50.754.9 52.8 50.855.1 61.7 57.6

53.0 60.4 29.220.8 46.1 19.716.3 23.0 7.56.9 21.2 5.5

38.2 28.8 8.313.5 30.6 6.8

9.4 23.1 8.318.5 38.5 10.0

9.5 6.6 21.69.6 6.7 22.0

9.0 12.8 10.12.9 7.0 4.76.2 8.0 8.8

4.6 14.4 15.91.0 11.0 14.42.5 5.0 13.0

15.0 37.0 39.72.4 15.0 13.2

27.4 24.2 9.820.3 22.3 10.020.7 24.5 30.444.9 44.0 42.916.3 11.6 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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65The Little Data Book on Financial Inclusion 2018

Country data

High income

GermanyPopulation, age 15+ (millions) 71.8 GNI per capita ($) 43,940

High income

99.1 93.798.8 92.898.1 88.3

99.1 93.798.8 92.898.1 88.3

.. ..

.. ..

99.2 92.998.1 90.099.1 89.998.8 93.7

97.8 90.595.7 86.480.9 59.750.5 38.928.7 34.381.2 67.660.6 51.886.7 80.1

4.7 3.84.7 3.8

.. ..

.. ..

.. ..

55.4 54.857.9 49.6

.. ..75.7 71.454.6 43.9

54.6 55.145.8 51.9

8.4 13.364.1 64.421.1 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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66 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Lower middle income

GhanaPopulation, age 15+ (millions) 17.3 GNI per capita ($) 1,380

Sub-Saharan Africa Lower middle income

57.7 42.6 57.840.5 34.2 41.929.4 23.2 28.9

42.3 32.8 56.134.6 28.8 40.629.4 23.2 28.9

38.9 20.9 5.313.0 11.6 3.2

53.7 36.9 53.048.3 31.9 50.748.4 31.4 50.852.5 39.5 57.6

49.5 34.4 29.225.1 26.9 19.78.6 7.7 7.59.0 5.7 5.5

10.8 7.3 8.37.8 7.6 6.8

35.5 20.8 8.36.3 7.5 10.0

6.7 5.5 21.611.3 7.1 22.0

32.2 22.7 10.117.8 11.0 4.75.6 9.4 8.8

16.2 14.9 15.918.6 15.8 14.419.0 25.3 13.050.2 54.4 39.715.1 10.3 13.2

11.6 8.4 9.88.3 7.5 10.0

22.8 31.0 30.440.3 45.7 42.9

7.5 4.7 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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67The Little Data Book on Financial Inclusion 2018

Country data

High income

GreecePopulation, age 15+ (millions) 9.2 GNI per capita ($) 19,050

High income

85.5 93.787.5 92.877.9 88.3

85.5 93.787.5 92.877.9 88.3

.. ..

.. ..

84.5 92.981.5 90.078.8 89.983.1 93.7

73.7 90.539.0 86.422.3 59.724.1 38.937.6 34.325.7 67.617.8 51.850.0 80.1

9.3 3.89.3 3.8

12.0 ..1.0 ..

10.0 ..

12.7 54.812.6 49.6

1.4 ..21.0 71.48.4 43.9

11.2 55.116.5 51.914.7 13.326.6 64.410.0 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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68 2018 The Little Data Book on Financial Inclusion

Country data

Latin America &the Carib.

Lower middle income

GuatemalaPopulation, age 15+ (millions) 10.7 GNI per capita ($) 3,790

Latin America & Caribbean Lower middle income

44.1 54.4 57.841.3 51.4 41.922.3 39.3 28.9

43.5 53.5 56.140.8 51.2 40.622.3 39.3 28.9

2.1 5.3 5.31.8 1.7 3.2

42.1 51.3 53.030.4 41.9 50.730.7 43.3 50.841.3 52.6 57.6

33.3 45.1 29.226.3 37.7 19.717.3 14.0 7.53.5 12.6 5.56.6 15.9 8.37.6 14.9 6.84.5 11.1 8.3

10.3 27.6 10.0

7.8 9.0 21.67.8 9.3 22.0

8.7 8.9 10.14.6 4.8 4.74.3 3.9 8.8

12.1 12.2 15.915.1 13.4 14.4

9.7 7.5 13.042.3 37.2 39.716.5 11.8 13.2

12.7 20.8 9.815.1 24.8 10.013.1 15.2 30.432.4 37.6 42.9

7.7 5.2 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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69The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

GuineaPopulation, age 15+ (millions) 7.1 GNI per capita ($) 670

Sub-Saharan Africa Low income

23.5 42.6 34.97.0 34.2 22.93.7 23.2 13.4

14.6 32.8 24.56.2 28.8 16.93.7 23.2 13.4

13.8 20.9 17.61.5 11.6 9.9

19.7 36.9 29.919.9 31.9 25.515.1 31.4 23.418.2 39.5 32.3

20.2 34.4 25.65.8 26.9 15.12.8 7.7 4.43.4 5.7 3.34.5 7.3 4.34.5 7.6 4.8

11.3 20.8 17.1.. 7.5 ..

4.0 5.5 5.25.0 7.1 6.5

9.6 22.7 16.018.5 11.0 9.6

7.3 9.4 8.0

6.5 14.9 11.12.9 15.8 8.9

19.6 25.3 23.039.1 54.4 47.6

7.4 10.3 8.9

5.8 8.4 7.92.6 7.5 6.1

24.1 31.0 31.339.6 45.7 45.63.4 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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70 2018 The Little Data Book on Financial Inclusion

Country data

Latin America &the Carib.

Low income

HaitiPopulation, age 15+ (millions) 7.2 GNI per capita ($) 780

Latin America & Caribbean Low income

32.6 54.4 34.918.9 51.4 22.922.0 39.3 13.4

28.2 53.5 24.517.5 51.2 16.922.0 39.3 13.4

13.5 5.3 17.63.8 1.7 9.9

30.0 51.3 29.917.9 41.9 25.521.3 43.3 23.430.5 52.6 32.3

27.5 45.1 25.610.4 37.7 15.15.2 14.0 4.4

.. 12.6 3.36.5 15.9 4.38.5 14.9 4.8

14.7 11.1 17.16.0 27.6 ..

7.7 9.0 5.29.6 9.3 6.5

14.7 8.9 16.014.3 4.8 9.66.6 3.9 8.0

12.2 12.2 11.19.4 13.4 8.9

22.9 7.5 23.044.1 37.2 47.6

9.7 11.8 8.9

12.9 20.8 7.95.9 24.8 6.1

21.3 15.2 31.339.7 37.6 45.611.0 5.2 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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71The Little Data Book on Financial Inclusion 2018

Country data

Latin America &the Carib.

Lower middle income

HondurasPopulation, age 15+ (millions) 6.2 GNI per capita ($) 2,150

Latin America & Caribbean Lower middle income

45.3 54.4 57.831.5 51.4 41.920.5 39.3 28.9

42.9 53.5 56.130.0 51.2 40.620.5 39.3 28.9

6.2 5.3 5.33.4 1.7 3.2

41.0 51.3 53.033.1 41.9 50.730.9 43.3 50.839.0 52.6 57.6

37.2 45.1 29.221.9 37.7 19.719.9 14.0 7.56.3 12.6 5.57.9 15.9 8.36.0 14.9 6.88.1 11.1 8.39.8 27.6 10.0

8.6 9.0 21.69.0 9.3 22.0

13.1 8.9 10.15.9 4.8 4.75.1 3.9 8.8

14.6 12.2 15.914.5 13.4 14.46.0 7.5 13.0

41.7 37.2 39.712.8 11.8 13.2

14.2 20.8 9.813.4 24.8 10.014.9 15.2 30.433.6 37.6 42.9

6.4 5.2 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

6.2 GNI per capita ($) 2,150Country data Latin America & Caribbean Lower middle income

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72 2018 The Little Data Book on Financial Inclusion

Country data

High income

Hong Kong SAR, ChinaPopulation, age 15+ (millions) 6.5 GNI per capita ($) 42,940

High income

95.3 93.796.1 92.888.7 88.3

95.3 93.796.1 92.888.7 88.3

.. ..

.. ..

94.7 92.992.4 90.091.2 89.993.7 93.7

84.5 90.581.0 86.436.9 59.740.9 38.918.9 34.353.2 67.643.4 51.872.2 80.1

3.6 3.83.6 3.8

.. ..

.. ..

.. ..

50.9 54.850.0 49.6

.. ..60.8 71.436.8 43.9

62.1 55.160.0 51.9

7.0 13.366.4 64.411.7 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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73The Little Data Book on Financial Inclusion 2018

Country data

High income

HungaryPopulation, age 15+ (millions) 8.4 GNI per capita ($) 12,570

High income

74.9 93.772.3 92.872.7 88.3

74.9 93.772.3 92.872.7 88.3

.. ..

.. ..

72.2 92.967.7 90.056.5 89.968.8 93.7

71.5 90.563.7 86.426.5 59.733.4 38.923.7 34.338.3 67.628.5 51.855.2 80.1

2.6 3.82.6 3.8

4.2 ..1.6 ..5.2 ..

23.6 54.819.3 49.6

3.1 ..36.8 71.421.1 43.9

15.9 55.116.0 51.910.6 13.324.8 64.414.4 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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74 2018 The Little Data Book on Financial Inclusion

Country data

South Asia

Lower middle income

IndiaPopulation, age 15+ (millions) 950.8 GNI per capita ($) 1,670

South Asia Lower middle income

79.9 69.6 57.853.1 46.5 41.935.2 32.4 28.9

79.8 68.4 56.152.8 45.6 40.635.2 32.4 28.9

2.0 4.2 5.32.4 2.6 3.2

76.6 64.1 53.077.1 65.6 50.775.1 61.7 50.879.3 69.2 57.6

28.7 27.8 29.219.3 16.7 19.76.5 7.1 7.55.4 4.8 5.58.1 7.1 8.34.3 4.5 6.85.3 7.1 8.3

12.3 10.0 10.0

38.5 31.2 21.638.7 31.6 22.0

7.4 7.6 10.10.8 1.9 4.78.3 8.3 8.8

19.6 17.2 15.914.4 12.7 14.48.4 10.2 13.0

33.6 33.2 39.711.2 11.4 13.2

8.1 7.8 9.89.1 8.6 10.0

32.7 31.3 30.442.4 41.5 42.9

4.6 5.1 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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75The Little Data Book on Financial Inclusion 2018

Country data

EastAsia &Pacific

Lower middle income

IndonesiaPopulation, age 15+ (millions) 188.9 GNI per capita ($) 3,400

East Asia & Pacific Lower middle income

48.9 70.6 57.836.1 69.1 41.919.6 55.1 28.9

48.4 70.3 56.135.9 68.9 40.619.6 55.1 28.9

3.1 1.3 5.30.4 0.4 3.2

51.4 67.9 53.036.6 59.3 50.742.1 59.8 50.847.0 68.8 57.6

34.6 58.0 29.222.4 39.0 19.712.0 20.8 7.55.9 15.9 5.58.9 12.2 8.3

11.2 38.6 6.87.7 31.0 8.3

12.3 33.1 10.0

14.7 11.8 21.614.7 11.9 22.0

15.3 15.0 10.15.3 7.3 4.79.3 5.8 8.8

21.5 30.6 15.926.6 36.7 14.429.9 8.6 13.061.8 53.1 39.727.4 23.2 13.2

18.4 21.5 9.813.7 19.5 10.035.7 29.6 30.454.8 46.8 42.9

6.0 10.8 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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76 2018 The Little Data Book on Financial Inclusion

Country data

Middle East &

North Africa

Upper middle income

Iran, Islamic Rep.Population, age 15+ (millions) 61.3 GNI per capita ($) 5,470

Middle East & North Africa Upper middle income

94.0 43.5 73.192.3 .. 71.673.7 32.9 57.0

93.4 43.0 72.892.2 .. 71.573.7 32.9 57.0

26.3 5.8 3.24.5 .. 0.8

91.6 35.0 69.393.2 35.3 62.491.6 35.0 61.694.7 36.9 72.9

89.8 33.3 62.375.8 .. 44.442.9 9.8 22.615.3 5.9 17.861.0 19.5 17.946.5 12.2 37.545.5 10.4 30.664.8 16.2 38.1

8.8 7.1 10.89.5 7.2 11.0

.. 5.0 14.5

.. 4.9 6.4

.. 11.1 5.3

26.2 10.8 26.921.6 .. 31.5

.. 8.0 5.943.4 31.3 46.415.2 8.1 19.1

27.8 9.6 22.437.8 .. 22.150.9 31.1 26.168.2 42.6 44.426.7 8.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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77The Little Data Book on Financial Inclusion 2018

Country data

Middle East &

North Africa

Upper middle income

IraqPopulation, age 15+ (millions) 22.1 GNI per capita ($) 5,420

Middle East & North Africa Upper middle income

22.7 43.5 73.111.0 .. 71.610.6 32.9 57.0

20.3 43.0 72.811.0 .. 71.510.6 32.9 57.0

4.2 5.8 3.2.. .. 0.8

19.5 35.0 69.318.7 35.3 62.421.1 35.0 61.620.5 36.9 72.9

19.1 33.3 62.33.8 .. 44.45.4 9.8 22.61.7 5.9 17.89.3 19.5 17.9

13.5 12.2 37.56.0 10.4 30.6

.. 16.2 38.1

4.4 7.1 10.84.7 7.2 11.0

.. 5.0 14.5

.. 4.9 6.4

.. 11.1 5.3

1.6 10.8 26.93.5 .. 31.5

.. 8.0 5.931.0 31.3 46.4

7.4 8.1 19.1

3.1 9.6 22.45.0 .. 22.1

52.1 31.1 26.163.4 42.6 44.4

4.1 8.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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78 2018 The Little Data Book on Financial Inclusion

Country data

High income

IrelandPopulation, age 15+ (millions) 3.7 GNI per capita ($) 52,010

High income

95.3 93.794.7 92.893.9 88.3

95.3 93.794.7 92.893.9 88.3

.. ..

.. ..

95.3 92.992.9 90.092.8 89.995.0 93.7

93.5 90.587.4 86.468.0 59.729.4 38.944.8 34.369.1 67.642.0 51.881.8 80.1

3.3 3.83.3 3.8

.. ..

.. ..

.. ..

47.5 54.849.4 49.6

.. ..71.8 71.440.3 43.9

50.6 55.150.4 51.914.5 13.363.6 64.427.6 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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79The Little Data Book on Financial Inclusion 2018

Country data

High income

IsraelPopulation, age 15+ (millions) 6.2 GNI per capita ($) ..

High income

92.8 93.790.0 92.890.5 88.3

92.8 93.790.0 92.890.5 88.3

.. ..

.. ..

93.7 92.985.7 90.076.8 89.989.1 93.7

90.8 90.583.6 86.451.9 59.740.9 38.947.6 34.350.4 67.646.8 51.880.1 80.1

2.2 3.82.2 3.8

11.5 ..1.8 ..

16.9 ..

53.4 54.853.5 49.6

7.5 ..63.7 71.442.6 43.9

78.8 55.178.9 51.917.1 13.383.2 64.435.7 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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80 2018 The Little Data Book on Financial Inclusion

Country data

High income

ItalyPopulation, age 15+ (millions) 52.4 GNI per capita ($) 31,720

High income

93.8 93.787.3 92.871.0 88.3

93.8 93.787.3 92.871.0 88.3

.. ..

.. ..

91.6 92.990.6 90.090.0 89.995.0 93.7

89.7 90.572.9 86.451.6 59.734.8 38.922.3 34.365.2 67.622.2 51.878.2 80.1

3.0 3.83.0 3.8

.. ..

.. ..

.. ..

45.3 54.834.0 49.6

.. ..62.4 71.430.8 43.9

45.7 55.139.3 51.916.3 13.356.0 64.416.7 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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81The Little Data Book on Financial Inclusion 2018

Country data

High income

JapanPopulation, age 15+ (millions) 110.6 GNI per capita ($) 37,930

High income

98.2 93.796.6 92.896.4 88.3

98.2 93.796.6 92.896.4 88.3

.. ..

.. ..

98.1 92.997.5 90.096.6 89.997.3 93.7

95.3 90.588.7 86.464.5 59.747.3 38.943.4 34.348.1 67.633.3 51.868.7 80.1

4.1 3.84.1 3.8

.. ..

.. ..

.. ..

64.5 54.860.4 49.6

.. ..77.7 71.451.1 43.9

54.1 55.154.4 51.9

3.7 13.356.6 64.417.1 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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82 2018 The Little Data Book on Financial Inclusion

Country data

Middle East &

North Africa

Lower middle income

JordanPopulation, age 15+ (millions) 6.1 GNI per capita ($) 3,920

Middle East & North Africa Lower middle income

42.5 43.5 57.824.6 .. 41.925.5 32.9 28.9

42.1 43.0 56.124.6 .. 40.625.5 32.9 28.9

1.1 5.8 5.30.5 .. 3.2

26.6 35.0 53.032.9 35.3 50.731.2 35.0 50.846.1 36.9 57.6

32.5 33.3 29.213.0 .. 19.73.9 9.8 7.54.2 5.9 5.5

21.3 19.5 8.38.0 12.2 6.84.3 10.4 8.37.9 16.2 10.0

5.0 7.1 21.65.0 7.2 22.0

2.9 5.0 10.13.6 4.9 4.7

17.3 11.1 8.8

10.1 10.8 15.93.8 .. 14.4

19.2 8.0 13.045.2 31.3 39.711.3 8.1 13.2

17.8 9.6 9.814.5 .. 10.031.0 31.1 30.447.7 42.6 42.914.2 8.2 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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83The Little Data Book on Financial Inclusion 2018

Country data

Europe &Central

Asia

Upper middle income

KazakhstanPopulation, age 15+ (millions) 12.9 GNI per capita ($) 8,810

Europe & Central Asia Upper middle income

58.7 65.3 73.153.9 57.8 71.642.1 44.8 57.0

58.7 65.1 72.853.9 57.8 71.542.1 44.8 57.0

.. 3.2 3.2

.. 0.2 0.8

60.3 62.5 69.348.8 56.3 62.445.8 52.8 61.656.7 61.7 72.9

53.9 60.4 62.340.2 46.1 44.420.5 23.0 22.616.3 21.2 17.826.9 28.8 17.924.3 30.6 37.518.2 23.1 30.625.5 38.5 38.1

5.4 6.6 10.85.4 6.7 11.0

11.3 12.8 14.52.5 7.0 6.4

10.4 8.0 5.3

13.9 14.4 26.98.0 11.0 31.54.0 5.0 5.9

35.9 37.0 46.418.5 15.0 19.1

28.2 24.2 22.419.7 22.3 22.122.5 24.5 26.145.6 44.0 44.420.5 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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84 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Lower middle income

KenyaPopulation, age 15+ (millions) 28.6 GNI per capita ($) 1,380

Sub-Saharan Africa Lower middle income

81.6 42.6 57.874.7 34.2 41.942.3 23.2 28.9

55.7 32.8 56.155.2 28.8 40.642.3 23.2 28.9

72.9 20.9 5.358.4 11.6 3.2

77.7 36.9 53.070.5 31.9 50.758.7 31.4 50.881.2 39.5 57.6

79.0 34.4 29.269.1 26.9 19.735.5 7.7 7.517.2 5.7 5.514.7 7.3 8.326.1 7.6 6.871.8 20.8 8.312.7 7.5 10.0

3.6 5.5 21.69.0 7.1 22.0

59.0 22.7 10.16.6 11.0 4.71.3 9.4 8.8

26.8 14.9 15.930.2 15.8 14.434.7 25.3 13.070.3 54.4 39.714.7 10.3 13.2

19.2 8.4 9.816.0 7.5 10.045.2 31.0 30.464.4 45.7 42.9

8.4 4.7 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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85The Little Data Book on Financial Inclusion 2018

Country data

High income

Korea, Rep.Population, age 15+ (millions) 44.3 GNI per capita ($) 27,600

High income

94.9 93.794.4 92.893.0 88.3

94.9 93.794.4 92.893.0 88.3

.. ..

.. ..

94.7 92.992.1 90.089.4 89.990.4 93.7

92.4 90.586.1 86.466.5 59.741.9 38.929.7 34.376.0 67.667.1 51.883.9 80.1

2.0 3.82.0 3.8

.. ..

.. ..

.. ..

55.3 54.852.7 49.6

.. ..68.8 71.441.8 43.9

63.2 55.156.9 51.912.0 13.372.6 64.426.1 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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86 2018 The Little Data Book on Financial Inclusion

Country data

Europe &Central

Asia

Lower middle income

KosovoPopulation, age 15+ (millions) 1.3 GNI per capita ($) 3,850

Europe & Central Asia Lower middle income

52.3 65.3 57.847.8 57.8 41.944.3 44.8 28.9

52.3 65.1 56.147.8 57.8 40.644.3 44.8 28.9

.. 3.2 5.3

.. 0.2 3.2

43.7 62.5 53.044.3 56.3 50.744.0 52.8 50.850.2 61.7 57.6

38.6 60.4 29.228.4 46.1 19.7

7.6 23.0 7.56.4 21.2 5.5

19.9 28.8 8.315.1 30.6 6.85.3 23.1 8.3

16.5 38.5 10.0

8.5 6.6 21.68.5 6.7 22.0

5.9 12.8 10.14.3 7.0 4.7

22.9 8.0 8.8

8.7 14.4 15.97.2 11.0 14.43.7 5.0 13.0

39.3 37.0 39.711.8 15.0 13.2

14.7 24.2 9.816.8 22.3 10.025.3 24.5 30.444.2 44.0 42.9

8.4 11.6 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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87The Little Data Book on Financial Inclusion 2018

Country data

High income

KuwaitPopulation, age 15+ (millions) 3.2 GNI per capita ($) 34,890

High income

79.8 93.772.9 92.886.8 88.3

79.8 93.772.9 92.886.8 88.3

.. ..

.. ..

73.5 92.970.8 90.064.2 89.960.9 93.7

74.8 90.563.8 86.4

6.4 59.734.9 38.924.1 34.335.9 67.623.8 51.858.3 80.1

5.2 3.85.2 3.8

.. ..

.. ..

.. ..

26.6 54.825.5 49.6

.. ..47.1 71.415.9 43.9

28.5 55.130.3 51.921.0 13.346.1 64.414.6 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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88 2018 The Little Data Book on Financial Inclusion

Country data

Europe &Central

Asia

Lower middle income

Kyrgyz RepublicPopulation, age 15+ (millions) 4.2 GNI per capita ($) 1,100

Europe & Central Asia Lower middle income

39.9 65.3 57.818.5 57.8 41.9

3.8 44.8 28.9

38.3 65.1 56.118.5 57.8 40.6

3.8 44.8 28.9

3.1 3.2 5.3.. 0.2 3.2

38.9 62.5 53.035.7 56.3 50.732.8 52.8 50.839.1 61.7 57.6

36.1 60.4 29.214.5 46.1 19.718.1 23.0 7.55.2 21.2 5.5

13.5 28.8 8.35.0 30.6 6.85.8 23.1 8.36.8 38.5 10.0

6.0 6.6 21.66.1 6.7 22.0

12.1 12.8 10.112.2 7.0 4.7

8.5 8.0 8.8

3.0 14.4 15.94.9 11.0 14.46.0 5.0 13.0

23.7 37.0 39.73.3 15.0 13.2

10.2 24.2 9.814.7 22.3 10.016.9 24.5 30.432.2 44.0 42.9

8.8 11.6 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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89The Little Data Book on Financial Inclusion 2018

Country data

East Asia & Pacific

Lower middle income

Lao PDRPopulation, age 15+ (millions) 4.5 GNI per capita ($) 2,150

East Asia & Pacific Lower middle income

29.1 70.6 57.8.. 69.1 41.9

26.8 55.1 28.9

29.1 70.3 56.1.. 68.9 40.6

26.8 55.1 28.9

.. 1.3 5.3

.. 0.4 3.2

31.9 67.9 53.017.4 59.3 50.720.7 59.8 50.822.4 68.8 57.6

13.3 58.0 29.2.. 39.0 19.7

0.6 20.8 7.52.6 15.9 5.5

.. 12.2 8.37.1 38.6 6.81.6 31.0 8.32.4 33.1 10.0

8.8 11.8 21.68.8 11.9 22.0

7.0 15.0 10.16.8 7.3 4.7

13.8 5.8 8.8

18.0 30.6 15.9.. 36.7 14.4

13.5 8.6 13.060.2 53.1 39.727.2 23.2 13.2

8.6 21.5 9.8.. 19.5 10.0

31.2 29.6 30.442.4 46.8 42.95.8 10.8 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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90 2018 The Little Data Book on Financial Inclusion

Country data

High income

LatviaPopulation, age 15+ (millions) 1.7 GNI per capita ($) 14,570

High income

93.2 93.790.2 92.889.7 88.3

93.2 93.790.2 92.889.7 88.3

.. ..

.. ..

92.5 92.988.5 90.085.2 89.992.2 93.7

90.9 90.583.9 86.457.6 59.732.6 38.964.3 34.360.7 67.655.5 51.873.6 80.1

3.7 3.83.7 3.8

17.5 ..2.1 ..

12.5 ..

27.5 54.825.3 49.6

6.8 ..53.8 71.421.1 43.9

19.0 55.128.8 51.920.8 13.337.3 64.4

7.4 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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91The Little Data Book on Financial Inclusion 2018

Country data

Middle East &

North Africa

Upper middle income

LebanonPopulation, age 15+ (millions) 4.6 GNI per capita ($) 7,980

Middle East & North Africa Upper middle income

44.8 43.5 73.146.9 .. 71.637.0 32.9 57.0

44.8 43.0 72.846.9 .. 71.537.0 32.9 57.0

.. 5.8 3.20.7 .. 0.8

32.9 35.0 69.329.9 35.3 62.420.8 35.0 61.644.4 36.9 72.9

33.1 33.3 62.331.9 .. 44.43.8 9.8 22.6

11.2 5.9 17.8.. 19.5 17.9

16.4 12.2 37.55.4 10.4 30.6

23.9 16.2 38.1

4.8 7.1 10.84.8 7.2 11.0

6.2 5.0 14.54.3 4.9 6.4

11.7 11.1 5.3

21.2 10.8 26.917.5 .. 31.510.3 8.0 5.951.8 31.3 46.414.1 8.1 19.1

22.6 9.6 22.420.8 .. 22.113.4 31.1 26.136.2 42.6 44.412.8 8.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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92 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Lower middle income

LesothoPopulation, age 15+ (millions) 1.4 GNI per capita ($) 1,270

Sub-Saharan Africa Lower middle income

45.6 42.6 57.8.. 34.2 41.9

18.5 23.2 28.9

33.3 32.8 56.1.. 28.8 40.6

18.5 23.2 28.9

27.6 20.9 5.3.. 11.6 3.2

46.5 36.9 53.032.4 31.9 50.737.0 31.4 50.845.0 39.5 57.6

37.8 34.4 29.2.. 26.9 19.7

11.4 7.7 7.56.1 5.7 5.58.4 7.3 8.39.6 7.6 6.8

26.2 20.8 8.310.7 7.5 10.0

8.3 5.5 21.612.1 7.1 22.0

21.2 22.7 10.111.4 11.0 4.79.2 9.4 8.8

8.8 14.9 15.9.. 15.8 14.4

15.3 25.3 13.039.5 54.4 39.7

8.0 10.3 13.2

5.6 8.4 9.8.. 7.5 10.0

33.3 31.0 30.448.0 45.7 42.9

3.9 4.7 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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93The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

LiberiaPopulation, age 15+ (millions) 2.7 GNI per capita ($) 370

Sub-Saharan Africa Low income

35.7 42.6 34.9.. 34.2 22.9

18.8 23.2 13.4

21.6 32.8 24.5.. 28.8 16.9

18.8 23.2 13.4

20.8 20.9 17.6.. 11.6 9.9

28.2 36.9 29.926.6 31.9 25.528.1 31.4 23.432.9 39.5 32.3

27.6 34.4 25.6.. 26.9 15.1

2.5 7.7 4.42.6 5.7 3.3

.. 7.3 4.32.4 7.6 4.8

21.1 20.8 17.1.. 7.5 ..

5.1 5.5 5.26.0 7.1 6.5

16.7 22.7 16.012.3 11.0 9.623.8 9.4 8.0

10.9 14.9 11.1.. 15.8 8.9

42.9 25.3 23.068.1 54.4 47.610.8 10.3 8.9

8.1 8.4 7.9.. 7.5 6.1

35.9 31.0 31.355.6 45.7 45.6

6.1 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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94 2018 The Little Data Book on Financial Inclusion

Country data

Middle East &

North Africa

Upper middle income

LibyaPopulation, age 15+ (millions) 4.5 GNI per capita ($) 4,730

Middle East & North Africa Upper middle income

65.7 43.5 73.1.. .. 71.6.. 32.9 57.0

65.7 43.0 72.8.. .. 71.5.. 32.9 57.0

.. 5.8 3.2

.. .. 0.8

59.6 35.0 69.358.3 35.3 62.453.4 35.0 61.671.8 36.9 72.9

31.8 33.3 62.3.. .. 44.4

7.2 9.8 22.63.6 5.9 17.8

14.6 19.5 17.921.0 12.2 37.5

7.9 10.4 30.69.8 16.2 38.1

18.4 7.1 10.818.4 7.2 11.0

.. 5.0 14.5

.. 4.9 6.4

.. 11.1 5.3

17.1 10.8 26.9.. .. 31.5.. 8.0 5.9

61.3 31.3 46.412.6 8.1 19.1

8.4 9.6 22.4.. .. 22.1

44.2 31.1 26.158.0 42.6 44.4

4.9 8.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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95The Little Data Book on Financial Inclusion 2018

Country data

High income

LithuaniaPopulation, age 15+ (millions) 2.5 GNI per capita ($) 14,770

High income

82.9 93.777.9 92.873.8 88.3

82.9 93.777.9 92.873.8 88.3

.. ..

.. ..

81.0 92.977.9 90.063.6 89.984.8 93.7

77.6 90.565.6 86.433.2 59.740.4 38.932.9 34.355.9 67.643.3 51.849.3 80.1

5.2 3.85.2 3.8

20.1 ..2.0 ..

15.6 ..

34.0 54.828.3 49.6

7.6 ..63.5 71.433.4 43.9

20.7 55.114.8 51.921.9 13.345.8 64.412.7 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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96 2018 The Little Data Book on Financial Inclusion

Country data

High income

LuxembourgPopulation, age 15+ (millions) 0.5 GNI per capita ($) 71,590

High income

98.8 93.796.2 92.894.6 88.3

98.8 93.796.2 92.894.6 88.3

.. ..

.. ..

98.2 92.998.3 90.096.8 89.998.9 93.7

98.3 90.592.6 86.472.4 59.742.1 38.945.1 34.376.0 67.656.5 51.892.4 80.1

3.4 3.83.4 3.8

.. ..

.. ..

.. ..

61.6 54.859.9 49.6

.. ..76.9 71.444.4 43.9

72.2 55.168.4 51.9

8.0 13.379.3 64.438.1 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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97The Little Data Book on Financial Inclusion 2018

Country data

Europe &Central

Asia

Upper middle income

Macedonia, FYRPopulation, age 15+ (millions) 1.7 GNI per capita ($) 4,980

Europe & Central Asia Upper middle income

76.6 65.3 73.171.8 57.8 71.673.7 44.8 57.0

76.6 65.1 72.871.8 57.8 71.573.7 44.8 57.0

.. 3.2 3.2

.. 0.2 0.8

72.9 62.5 69.366.7 56.3 62.465.6 52.8 61.672.9 61.7 72.9

65.8 60.4 62.351.9 46.1 44.425.0 23.0 22.624.7 21.2 17.824.9 28.8 17.920.0 30.6 37.511.8 23.1 30.636.8 38.5 38.1

13.4 6.6 10.813.4 6.7 11.0

4.0 12.8 14.50.7 7.0 6.47.7 8.0 5.3

17.3 14.4 26.913.7 11.0 31.50.4 5.0 5.9

35.8 37.0 46.415.6 15.0 19.1

20.5 24.2 22.425.1 22.3 22.120.6 24.5 26.138.3 44.0 44.410.7 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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98 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Low income

MadagascarPopulation, age 15+ (millions) 14.6 GNI per capita ($) 400

Sub-Saharan Africa Low income

17.9 42.6 34.98.6 34.2 22.95.5 23.2 13.4

9.6 32.8 24.55.7 28.8 16.95.5 23.2 13.4

12.1 20.9 17.64.4 11.6 9.9

16.3 36.9 29.912.3 31.9 25.513.4 31.4 23.413.7 39.5 32.3

15.0 34.4 25.65.4 26.9 15.11.0 7.7 4.42.6 5.7 3.3

.. 7.3 4.31.7 7.6 4.8

10.7 20.8 17.1.. 7.5 ..

1.4 5.5 5.2.. 7.1 6.5

7.5 22.7 16.06.9 11.0 9.6

12.3 9.4 8.0

4.0 14.9 11.13.3 15.8 8.93.6 25.3 23.0

44.3 54.4 47.616.2 10.3 8.9

3.8 8.4 7.92.0 7.5 6.1

36.9 31.0 31.347.9 45.7 45.62.4 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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99The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

MalawiPopulation, age 15+ (millions) 10.1 GNI per capita ($) 320

Sub-Saharan Africa Low income

33.7 42.6 34.918.1 34.2 22.916.5 23.2 13.4

23.0 32.8 24.516.1 28.8 16.916.5 23.2 13.4

20.3 20.9 17.63.8 11.6 9.9

29.8 36.9 29.921.2 31.9 25.519.5 31.4 23.431.8 39.5 32.3

27.6 34.4 25.611.4 26.9 15.14.5 7.7 4.44.9 5.7 3.34.4 7.3 4.38.3 7.6 4.8

20.1 20.8 17.12.0 7.5 ..

4.4 5.5 5.25.9 7.1 6.5

15.1 22.7 16.08.9 11.0 9.63.3 9.4 8.0

8.7 14.9 11.17.1 15.8 8.9

31.0 25.3 23.051.8 54.4 47.64.0 10.3 8.9

8.6 8.4 7.96.9 7.5 6.1

25.3 31.0 31.352.0 45.7 45.6

5.6 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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100 2018 The Little Data Book on Financial Inclusion

Country data

EastAsia &Pacific

Upper middle income

MalaysiaPopulation, age 15+ (millions) 23.5 GNI per capita ($) 9,860

East Asia & Pacific Upper middle income

85.3 70.6 73.180.7 69.1 71.666.2 55.1 57.0

85.1 70.3 72.880.7 68.9 71.566.2 55.1 57.0

10.9 1.3 3.22.8 0.4 0.8

82.5 67.9 69.380.5 59.3 62.476.1 59.8 61.681.0 68.8 72.9

70.4 58.0 62.357.8 39.0 44.425.3 20.8 22.620.5 15.9 17.825.1 12.2 17.938.8 38.6 37.532.6 31.0 30.639.4 33.1 38.1

16.1 11.8 10.816.5 11.9 11.0

25.3 15.0 14.54.9 7.3 6.42.9 5.8 5.3

37.8 30.6 26.933.8 36.7 31.510.3 8.6 5.963.3 53.1 46.441.8 23.2 19.1

23.4 21.5 22.430.7 19.5 22.115.4 29.6 26.139.7 46.8 44.410.5 10.8 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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101The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

MaliPopulation, age 15+ (millions) 9.4 GNI per capita ($) 770

Sub-Saharan Africa Low income

35.4 42.6 34.920.1 34.2 22.98.2 23.2 13.4

18.2 32.8 24.513.3 28.8 16.98.2 23.2 13.4

24.4 20.9 17.611.6 11.6 9.9

25.7 36.9 29.931.3 31.9 25.522.9 31.4 23.430.7 39.5 32.3

31.0 34.4 25.615.2 26.9 15.1

4.2 7.7 4.43.1 5.7 3.35.8 7.3 4.35.7 7.6 4.8

23.5 20.8 17.14.7 7.5 ..

3.6 5.5 5.24.7 7.1 6.5

17.5 22.7 16.015.4 11.0 9.6

6.1 9.4 8.0

6.1 14.9 11.12.9 15.8 8.9

28.1 25.3 23.053.8 54.4 47.615.7 10.3 8.9

8.0 8.4 7.93.1 7.5 6.1

24.8 31.0 31.343.5 45.7 45.6

3.9 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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102 2018 The Little Data Book on Financial Inclusion

Country data

High income

MaltaPopulation, age 15+ (millions) 0.4 GNI per capita ($) 24,190

High income

97.4 93.796.3 92.895.3 88.3

97.4 93.796.3 92.895.3 88.3

.. ..

.. ..

97.0 92.994.7 90.096.0 89.997.1 93.7

88.8 90.574.5 86.431.5 59.730.9 38.946.8 34.353.1 67.643.1 51.872.3 80.1

7.3 3.87.3 3.8

.. ..

.. ..

.. ..

46.6 54.841.6 49.6

.. ..73.2 71.449.5 43.9

43.2 55.136.9 51.9

7.9 13.347.5 64.422.5 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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103The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Lower middle income

MauritaniaPopulation, age 15+ (millions) 2.6 GNI per capita ($) 1,130

Sub-Saharan Africa Lower middle income

20.9 42.6 57.822.9 34.2 41.917.5 23.2 28.9

19.0 32.8 56.120.4 28.8 40.617.5 23.2 28.9

4.0 20.9 5.36.5 11.6 3.2

15.5 36.9 53.012.8 31.9 50.712.4 31.4 50.815.0 39.5 57.6

15.7 34.4 29.217.3 26.9 19.72.1 7.7 7.54.0 5.7 5.55.3 7.3 8.33.8 7.6 6.82.7 20.8 8.34.3 7.5 10.0

3.3 5.5 21.64.3 7.1 22.0

7.1 22.7 10.126.5 11.0 4.711.1 9.4 8.8

9.1 14.9 15.910.6 15.8 14.416.9 25.3 13.041.7 54.4 39.710.1 10.3 13.2

9.2 8.4 9.89.1 7.5 10.0

30.9 31.0 30.444.2 45.7 42.9

5.5 4.7 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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104 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Upper middle income

MauritiusPopulation, age 15+ (millions) 1.0 GNI per capita ($) 9,770

Sub-Saharan Africa Upper middle income

89.8 42.6 73.182.2 34.2 71.680.1 23.2 57.0

89.5 32.8 72.882.2 28.8 71.580.1 23.2 57.0

5.6 20.9 3.20.9 11.6 0.8

87.1 36.9 69.386.3 31.9 62.480.6 31.4 61.689.5 39.5 72.9

68.5 34.4 62.347.5 26.9 44.411.7 7.7 22.622.2 5.7 17.830.0 7.3 17.916.4 7.6 37.515.2 20.8 30.648.3 7.5 38.1

12.2 5.5 10.812.6 7.1 11.0

.. 22.7 14.5

.. 11.0 6.4

.. 9.4 5.3

24.4 14.9 26.935.5 15.8 31.5

.. 25.3 5.960.2 54.4 46.432.1 10.3 19.1

22.9 8.4 22.425.2 7.5 22.114.3 31.0 26.137.5 45.7 44.412.9 4.7 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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105The Little Data Book on Financial Inclusion 2018

Country data

Latin America &the Carib.

Upper middle income

MexicoPopulation, age 15+ (millions) 93.0 GNI per capita ($) 9,040

Latin America & Caribbean Upper middle income

36.9 54.4 73.139.1 51.4 71.627.4 39.3 57.0

35.4 53.5 72.838.7 51.2 71.527.4 39.3 57.0

5.6 5.3 3.23.4 1.7 0.8

33.3 51.3 69.325.8 41.9 62.426.0 43.3 61.629.3 52.6 72.9

31.7 45.1 62.329.4 37.7 44.46.3 14.0 22.6

10.1 12.6 17.89.6 15.9 17.9

13.2 14.9 37.57.4 11.1 30.6

16.4 27.6 38.1

7.5 9.0 10.87.9 9.3 11.0

6.4 8.9 14.55.3 4.8 6.42.1 3.9 5.3

9.8 12.2 26.914.5 13.4 31.512.7 7.5 5.940.6 37.2 46.413.5 11.8 19.1

11.8 20.8 22.418.3 24.8 22.114.0 15.2 26.131.8 37.6 44.44.3 5.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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106 2018 The Little Data Book on Financial Inclusion

Country data

Europe &Central

Asia

Lower middle income

MoldovaPopulation, age 15+ (millions) 3.0 GNI per capita ($) 2,120

Europe & Central Asia Lower middle income

43.8 65.3 57.817.8 57.8 41.918.1 44.8 28.9

43.8 65.1 56.117.8 57.8 40.618.1 44.8 28.9

.. 3.2 5.3

.. 0.2 3.2

44.6 62.5 53.031.5 56.3 50.7

.. 52.8 50.841.9 61.7 57.6

40.4 60.4 29.214.9 46.1 19.712.4 23.0 7.518.5 21.2 5.515.3 28.8 8.337.1 30.6 6.810.0 23.1 8.322.4 38.5 10.0

5.5 6.6 21.65.5 6.7 22.0

7.1 12.8 10.15.8 7.0 4.7

11.8 8.0 8.8

8.8 14.4 15.96.8 11.0 14.4

18.9 5.0 13.054.6 37.0 39.716.6 15.0 13.2

20.3 24.2 9.810.1 22.3 10.038.2 24.5 30.454.2 44.0 42.9

9.2 11.6 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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107The Little Data Book on Financial Inclusion 2018

Country data

EastAsia &Pacific

Lower middle income

MongoliaPopulation, age 15+ (millions) 2.1 GNI per capita ($) 3,590

East Asia & Pacific Lower middle income

93.0 70.6 57.891.8 69.1 41.977.7 55.1 28.9

93.0 70.3 56.191.8 68.9 40.677.7 55.1 28.9

21.9 1.3 5.35.0 0.4 3.2

95.0 67.9 53.090.6 59.3 50.788.6 59.8 50.893.9 68.8 57.6

85.3 58.0 29.262.8 39.0 19.748.3 20.8 7.526.9 15.9 5.527.0 12.2 8.317.1 38.6 6.838.4 31.0 8.360.8 33.1 10.0

8.0 11.8 21.68.4 11.9 22.0

38.2 15.0 10.13.6 7.3 4.77.3 5.8 8.8

19.3 30.6 15.933.2 36.7 14.4

2.7 8.6 13.031.3 53.1 39.79.3 23.2 13.2

30.4 21.5 9.836.2 19.5 10.027.0 29.6 30.450.5 46.8 42.915.6 10.8 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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108 2018 The Little Data Book on Financial Inclusion

Country data

Europe &Central

Asia

Upper middle income

MontenegroPopulation, age 15+ (millions) 0.5 GNI per capita ($) 7,120

Europe & Central Asia Upper middle income

68.4 65.3 73.159.8 57.8 71.650.4 44.8 57.0

68.4 65.1 72.859.8 57.8 71.550.4 44.8 57.0

.. 3.2 3.2

.. 0.2 0.8

67.6 62.5 69.360.3 56.3 62.458.4 52.8 61.668.4 61.7 72.9

59.8 60.4 62.340.0 46.1 44.423.5 23.0 22.618.9 21.2 17.829.4 28.8 17.915.4 30.6 37.510.2 23.1 30.631.0 38.5 38.1

8.1 6.6 10.88.1 6.7 11.0

15.1 12.8 14.52.5 7.0 6.4

10.7 8.0 5.3

10.1 14.4 26.95.3 11.0 31.51.6 5.0 5.9

29.1 37.0 46.49.8 15.0 19.1

23.7 24.2 22.429.5 22.3 22.123.4 24.5 26.145.2 44.0 44.413.4 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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109The Little Data Book on Financial Inclusion 2018

Country data

Middle East &

North Africa

Lower middle income

MoroccoPopulation, age 15+ (millions) 25.6 GNI per capita ($) 2,880

Middle East & North Africa Lower middle income

28.6 43.5 57.8.. .. 41.9.. 32.9 28.9

28.4 43.0 56.1.. .. 40.6.. 32.9 28.9

0.6 5.8 5.3.. .. 3.2

16.8 35.0 53.019.3 35.3 50.718.2 35.0 50.820.0 36.9 57.6

16.7 33.3 29.2.. .. 19.7

1.1 9.8 7.54.3 5.9 5.5

.. 19.5 8.32.0 12.2 6.81.5 10.4 8.35.2 16.2 10.0

5.4 7.1 21.65.4 7.2 22.0

5.7 5.0 10.17.2 4.9 4.77.6 11.1 8.8

6.3 10.8 15.9.. .. 14.4

4.4 8.0 13.021.4 31.3 39.74.9 8.1 13.2

2.6 9.6 9.8.. .. 10.0

18.0 31.1 30.426.5 42.6 42.9

2.8 8.2 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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110 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Low income

MozambiquePopulation, age 15+ (millions) 15.9 GNI per capita ($) 480

Sub-Saharan Africa Low income

41.7 42.6 34.9.. 34.2 22.9.. 23.2 13.4

33.0 32.8 24.5.. 28.8 16.9.. 23.2 13.4

21.9 20.9 17.6.. 11.6 9.9

32.9 36.9 29.926.8 31.9 25.529.0 31.4 23.438.6 39.5 32.3

34.1 34.4 25.6.. 26.9 15.1

11.2 7.7 4.45.4 5.7 3.37.8 7.3 4.39.5 7.6 4.8

22.1 20.8 17.113.0 7.5 ..

8.1 5.5 5.210.1 7.1 6.5

19.3 22.7 16.08.4 11.0 9.66.6 9.4 8.0

10.8 14.9 11.1.. 15.8 8.9

19.3 25.3 23.042.9 54.4 47.66.8 10.3 8.9

11.0 8.4 7.9.. 7.5 6.1

29.8 31.0 31.350.2 45.7 45.6

8.0 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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111The Little Data Book on Financial Inclusion 2018

Country data

EastAsia &Pacific

Lower middle income

MyanmarPopulation, age 15+ (millions) 38.4 GNI per capita ($) 1,190

East Asia & Pacific Lower middle income

26.0 70.6 57.822.8 69.1 41.9

.. 55.1 28.9

25.6 70.3 56.122.6 68.9 40.6

.. 55.1 28.9

0.7 1.3 5.30.2 0.4 3.2

26.0 67.9 53.022.5 59.3 50.726.1 59.8 50.825.0 68.8 57.6

7.7 58.0 29.23.9 39.0 19.70.4 20.8 7.51.4 15.9 5.5

.. 12.2 8.33.6 38.6 6.81.1 31.0 8.3

.. 33.1 10.0

10.0 11.8 21.610.1 11.9 22.0

3.8 15.0 10.16.1 7.3 4.74.6 5.8 8.8

8.1 30.6 15.912.8 36.7 14.4

8.4 8.6 13.036.2 53.1 39.712.8 23.2 13.2

19.1 21.5 9.815.5 19.5 10.022.2 29.6 30.443.9 46.8 42.9

2.0 10.8 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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112 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Upper middle income

NamibiaPopulation, age 15+ (millions) 1.6 GNI per capita ($) 4,640

Sub-Saharan Africa Upper middle income

80.6 42.6 73.158.8 34.2 71.6

.. 23.2 57.0

77.3 32.8 72.858.1 28.8 71.5

.. 23.2 57.0

43.4 20.9 3.210.4 11.6 0.8

80.7 36.9 69.370.4 31.9 62.473.7 31.4 61.678.2 39.5 72.9

71.4 34.4 62.343.9 26.9 44.420.6 7.7 22.617.4 5.7 17.826.9 7.3 17.918.3 7.6 37.546.2 20.8 30.637.6 7.5 38.1

8.8 5.5 10.810.7 7.1 11.0

51.3 22.7 14.510.0 11.0 6.4

9.0 9.4 5.3

34.4 14.9 26.926.7 15.8 31.512.1 25.3 5.962.7 54.4 46.413.9 10.3 19.1

16.9 8.4 22.411.8 7.5 22.148.0 31.0 26.163.3 45.7 44.4

9.4 4.7 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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113The Little Data Book on Financial Inclusion 2018

Country data

SouthAsia

Low income

NepalPopulation, age 15+ (millions) 19.8 GNI per capita ($) 730

South Asia Low income

45.4 69.6 34.933.8 46.5 22.925.3 32.4 13.4

45.4 68.4 24.533.8 45.6 16.925.3 32.4 13.4

.. 4.2 17.60.3 2.6 9.9

41.6 64.1 29.937.9 65.6 25.545.2 61.7 23.443.0 69.2 32.3

16.3 27.8 25.69.4 16.7 15.11.8 7.1 4.42.3 4.8 3.35.1 7.1 4.32.2 4.5 4.84.0 7.1 17.1

.. 10.0 ..

14.5 31.2 5.214.5 31.6 6.5

7.3 7.6 16.07.1 1.9 9.6

11.1 8.3 8.0

17.1 17.2 11.116.4 12.7 8.923.7 10.2 23.046.3 33.2 47.612.4 11.4 8.9

13.6 7.8 7.912.0 8.6 6.152.6 31.3 31.366.1 41.5 45.613.9 5.1 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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114 2018 The Little Data Book on Financial Inclusion

Country data

High income

NetherlandsPopulation, age 15+ (millions) 14.2 GNI per capita ($) 46,610

High income

99.6 93.799.3 92.898.7 88.3

99.6 93.799.3 92.898.7 88.3

.. ..

.. ..

99.8 92.999.8 90.099.3 89.999.7 93.7

97.7 90.597.8 86.467.2 59.749.4 38.941.2 34.384.9 67.675.8 51.893.7 80.1

3.7 3.83.7 3.8

.. ..

.. ..

.. ..

59.3 54.858.9 49.6

.. ..78.5 71.442.8 43.9

37.4 55.134.8 51.910.2 13.345.4 64.446.4 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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115The Little Data Book on Financial Inclusion 2018

Country data

High income

New ZealandPopulation, age 15+ (millions) 3.8 GNI per capita ($) 38,740

High income

99.2 93.799.5 92.899.4 88.3

99.2 93.799.5 92.899.4 88.3

.. ..

.. ..

99.3 92.999.0 90.098.1 89.998.7 93.7

97.3 90.597.6 86.464.7 59.744.3 38.950.2 34.380.2 67.673.6 51.894.6 80.1

1.8 3.81.8 3.8

.. ..

.. ..

.. ..

69.4 54.870.6 49.6

.. ..86.3 71.460.0 43.9

66.5 55.168.9 51.917.3 13.378.5 64.432.5 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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116 2018 The Little Data Book on Financial Inclusion

Country data

Latin America &the Carib.

Lower middle income

NicaraguaPopulation, age 15+ (millions) 4.3 GNI per capita ($) 2,100

Latin America & Caribbean Lower middle income

30.9 54.4 57.819.4 51.4 41.914.2 39.3 28.9

28.4 53.5 56.118.9 51.2 40.614.2 39.3 28.9

3.9 5.3 5.31.1 1.7 3.2

24.8 51.3 53.019.9 41.9 50.720.9 43.3 50.833.8 52.6 57.6

24.6 45.1 29.213.4 37.7 19.7

7.2 14.0 7.55.9 12.6 5.57.1 15.9 8.36.7 14.9 6.84.5 11.1 8.38.6 27.6 10.0

5.8 9.0 21.65.8 9.3 22.0

6.1 8.9 10.18.7 4.8 4.75.0 3.9 8.8

8.1 12.2 15.98.1 13.4 14.46.8 7.5 13.0

44.8 37.2 39.714.1 11.8 13.2

13.4 20.8 9.815.5 24.8 10.010.2 15.2 30.429.7 37.6 42.94.8 5.2 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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117The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

NigerPopulation, age 15+ (millions) 10.3 GNI per capita ($) ..

Sub-Saharan Africa Low income

15.5 42.6 34.96.7 34.2 22.91.5 23.2 13.4

9.5 32.8 24.53.5 28.8 16.91.5 23.2 13.4

8.7 20.9 17.63.9 11.6 9.9

10.9 36.9 29.910.5 31.9 25.56.3 31.4 23.4

13.8 39.5 32.3

13.0 34.4 25.65.4 26.9 15.11.6 7.7 4.4

.. 5.7 3.3

.. 7.3 4.34.0 7.6 4.87.5 20.8 17.1

.. 7.5 ..

2.2 5.5 5.2.. 7.1 6.5

6.5 22.7 16.09.7 11.0 9.66.8 9.4 8.0

1.9 14.9 11.12.0 15.8 8.9

11.9 25.3 23.025.0 54.4 47.64.2 10.3 8.9

3.8 8.4 7.92.2 7.5 6.1

37.6 31.0 31.352.1 45.7 45.6

1.1 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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118 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Lower middle income

NigeriaPopulation, age 15+ (millions) 104.0 GNI per capita ($) 2,450

Sub-Saharan Africa Lower middle income

39.7 42.6 57.844.4 34.2 41.929.7 23.2 28.9

39.4 32.8 56.144.2 28.8 40.629.7 23.2 28.9

5.6 20.9 5.32.3 11.6 3.2

27.3 36.9 53.024.5 31.9 50.730.2 31.4 50.833.3 39.5 57.6

29.7 34.4 29.236.9 26.9 19.7

5.7 7.7 7.54.2 5.7 5.5

.. 7.3 8.36.3 7.6 6.87.7 20.8 8.39.9 7.5 10.0

6.2 5.5 21.66.3 7.1 22.0

23.5 22.7 10.18.2 11.0 4.7

18.6 9.4 8.8

20.6 14.9 15.927.1 15.8 14.425.4 25.3 13.062.0 54.4 39.712.5 10.3 13.2

5.3 8.4 9.87.0 7.5 10.0

28.3 31.0 30.439.6 45.7 42.9

2.6 4.7 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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119The Little Data Book on Financial Inclusion 2018

Country data

High income

NorwayPopulation, age 15+ (millions) 4.3 GNI per capita ($) 82,390

High income

99.7 93.7100.0 92.8

.. 88.3

99.7 93.7100.0 92.8

.. 88.3

.. ..

.. ..

100.0 92.999.4 90.099.2 89.999.6 93.7

99.1 90.598.4 86.476.6 59.744.0 38.966.3 34.389.5 67.685.1 51.895.7 80.1

0.9 3.80.9 3.8

.. ..

.. ..

.. ..

79.3 54.878.4 49.6

.. ..90.2 71.461.4 43.9

69.5 55.162.5 51.917.1 13.377.7 64.454.3 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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120 2018 The Little Data Book on Financial Inclusion

Country data

South Asia

Lower middle income

PakistanPopulation, age 15+ (millions) 125.8 GNI per capita ($) 1,500

South Asia Lower middle income

21.3 69.6 57.813.0 46.5 41.910.3 32.4 28.9

18.0 68.4 56.18.7 45.6 40.6

10.3 32.4 28.9

6.9 4.2 5.35.8 2.6 3.2

7.0 64.1 53.014.2 65.6 50.712.7 61.7 50.818.8 69.2 57.6

17.7 27.8 29.27.8 16.7 19.78.4 7.1 7.52.3 4.8 5.5

.. 7.1 8.38.0 4.5 6.87.6 7.1 8.3

.. 10.0 10.0

2.7 31.2 21.63.3 31.6 22.0

5.1 7.6 10.12.8 1.9 4.79.0 8.3 8.8

6.1 17.2 15.93.3 12.7 14.4

21.1 10.2 13.035.1 33.2 39.714.5 11.4 13.2

2.6 7.8 9.81.6 8.6 10.0

28.6 31.3 30.437.4 41.5 42.91.1 5.1 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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121The Little Data Book on Financial Inclusion 2018

Country data

Latin America &the Carib.

Upper middle income

PanamaPopulation, age 15+ (millions) 2.9 GNI per capita ($) 12,140

Latin America & Caribbean Upper middle income

46.5 54.4 73.143.7 51.4 71.624.9 39.3 57.0

45.8 53.5 72.843.4 51.2 71.524.9 39.3 57.0

3.5 5.3 3.21.6 1.7 0.8

42.3 51.3 69.332.9 41.9 62.439.3 43.3 61.639.3 52.6 72.9

35.0 45.1 62.331.0 37.7 44.48.3 14.0 22.68.3 12.6 17.8

10.9 15.9 17.99.3 14.9 37.56.3 11.1 30.6

17.2 27.6 38.1

9.0 9.0 10.89.1 9.3 11.0

10.4 8.9 14.510.4 4.8 6.4

7.2 3.9 5.3

14.5 12.2 26.920.4 13.4 31.513.0 7.5 5.948.4 37.2 46.414.6 11.8 19.1

13.3 20.8 22.417.5 24.8 22.110.4 15.2 26.130.8 37.6 44.4

9.2 5.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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122 2018 The Little Data Book on Financial Inclusion

Country data

Latin America &the Carib.

Upper middle income

ParaguayPopulation, age 15+ (millions) 4.7 GNI per capita ($) 4,060

Latin America & Caribbean Upper middle income

48.6 54.4 73.1.. 51.4 71.6

21.7 39.3 57.0

31.1 53.5 72.8.. 51.2 71.5

21.7 39.3 57.0

28.9 5.3 3.2.. 1.7 0.8

46.0 51.3 69.338.3 41.9 62.443.6 43.3 61.647.8 52.6 72.9

44.6 45.1 62.3.. 37.7 44.4

9.2 14.0 22.66.0 12.6 17.8

12.3 15.9 17.95.7 14.9 37.5

28.4 11.1 30.69.2 27.6 38.1

3.0 9.0 10.84.6 9.3 11.0

19.5 8.9 14.57.8 4.8 6.44.3 3.9 5.3

6.3 12.2 26.9.. 13.4 31.5

2.0 7.5 5.927.1 37.2 46.48.2 11.8 19.1

15.4 20.8 22.4.. 24.8 22.1

19.1 15.2 26.135.7 37.6 44.4

7.1 5.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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123The Little Data Book on Financial Inclusion 2018

Country data

Latin America &the Carib.

Upper middle income

PeruPopulation, age 15+ (millions) 23.0 GNI per capita ($) 5,950

Latin America & Caribbean Upper middle income

42.6 54.4 73.129.0 51.4 71.620.5 39.3 57.0

42.2 53.5 72.829.0 51.2 71.520.5 39.3 57.0

2.6 5.3 3.20.0 1.7 0.8

34.4 51.3 69.327.0 41.9 62.425.3 43.3 61.641.4 52.6 72.9

33.9 45.1 62.322.0 37.7 44.4

9.3 14.0 22.68.0 12.6 17.8

12.0 15.9 17.97.0 14.9 37.55.3 11.1 30.6

14.5 27.6 38.1

7.4 9.0 10.87.5 9.3 11.0

11.4 8.9 14.56.1 4.8 6.45.5 3.9 5.3

8.2 12.2 26.912.3 13.4 31.58.3 7.5 5.9

40.1 37.2 46.414.7 11.8 19.1

19.1 20.8 22.418.0 24.8 22.116.0 15.2 26.136.5 37.6 44.4

6.2 5.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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124 2018 The Little Data Book on Financial Inclusion

Country data

EastAsia &Pacific

Lower middle income

PhilippinesPopulation, age 15+ (millions) 70.3 GNI per capita ($) 3,580

East Asia & Pacific Lower middle income

34.5 70.6 57.831.3 69.1 41.926.6 55.1 28.9

31.8 70.3 56.128.1 68.9 40.626.6 55.1 28.9

4.5 1.3 5.34.2 0.4 3.2

38.9 67.9 53.018.0 59.3 50.727.2 59.8 50.827.4 68.8 57.6

25.1 58.0 29.219.5 39.0 19.72.3 20.8 7.56.6 15.9 5.5

10.0 12.2 8.39.9 38.6 6.87.0 31.0 8.35.1 33.1 10.0

4.6 11.8 21.64.8 11.9 22.0

10.3 15.0 10.125.7 7.3 4.79.0 5.8 8.8

11.9 30.6 15.914.8 36.7 14.48.0 8.6 13.0

58.7 53.1 39.726.3 23.2 13.2

10.7 21.5 9.812.9 19.5 10.041.2 29.6 30.458.6 46.8 42.9

4.2 10.8 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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125The Little Data Book on Financial Inclusion 2018

Country data

High income

PolandPopulation, age 15+ (millions) 32.3 GNI per capita ($) 12,680

High income

86.7 93.777.9 92.870.2 88.3

86.7 93.777.9 92.870.2 88.3

.. ..

.. ..

88.0 92.984.2 90.067.1 89.986.6 93.7

81.9 90.562.5 86.450.1 59.747.5 38.919.6 34.364.6 67.652.4 51.873.7 80.1

2.4 3.82.4 3.8

17.4 ..1.9 ..4.3 ..

32.6 54.820.8 49.6

3.9 ..51.9 71.420.1 43.9

30.5 55.126.8 51.925.1 13.350.4 64.415.4 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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126 2018 The Little Data Book on Financial Inclusion

Country data

High income

PortugalPopulation, age 15+ (millions) 8.9 GNI per capita ($) 19,880

High income

92.3 93.787.4 92.881.2 88.3

92.3 93.787.4 92.881.2 88.3

.. ..

.. ..

90.6 92.987.5 90.087.7 89.993.3 93.7

86.3 90.572.9 86.455.6 59.731.5 38.931.4 34.335.2 67.628.0 51.873.6 80.1

6.6 3.86.6 3.8

.. ..

.. ..

.. ..

31.6 54.824.9 49.6

.. ..54.8 71.432.5 43.9

28.9 55.125.9 51.915.4 13.341.3 64.424.2 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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127The Little Data Book on Financial Inclusion 2018

Country data

Europe &Central

Asia

Upper middle income

RomaniaPopulation, age 15+ (millions) 16.7 GNI per capita ($) 9,480

Europe & Central Asia Upper middle income

57.8 65.3 73.160.8 57.8 71.644.6 44.8 57.0

57.6 65.1 72.860.8 57.8 71.544.6 44.8 57.0

3.0 3.2 3.20.5 0.2 0.8

53.6 62.5 69.337.8 56.3 62.447.8 52.8 61.653.9 61.7 72.9

47.2 60.4 62.340.7 46.1 44.48.8 23.0 22.6

14.2 21.2 17.825.0 28.8 17.919.2 30.6 37.512.3 23.1 30.625.9 38.5 38.1

7.3 6.6 10.87.3 6.7 11.0

9.2 12.8 14.54.6 7.0 6.48.8 8.0 5.3

13.6 14.4 26.913.3 11.0 31.5

5.4 5.0 5.933.5 37.0 46.419.1 15.0 19.1

19.9 24.2 22.418.7 22.3 22.120.7 24.5 26.139.5 44.0 44.416.1 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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128 2018 The Little Data Book on Financial Inclusion

Country data

Europe & Central

Asia

Upper middle income

Russian FederationPopulation, age 15+ (millions) 119.4 GNI per capita ($) 9,720

Europe & Central Asia Upper middle income

75.8 65.3 73.167.4 57.8 71.648.2 44.8 57.0

75.8 65.1 72.867.4 57.8 71.548.2 44.8 57.0

.. 3.2 3.2

.. 0.2 0.8

76.1 62.5 69.370.2 56.3 62.466.6 52.8 61.675.7 61.7 72.9

70.5 60.4 62.353.4 46.1 44.427.9 23.0 22.625.7 21.2 17.833.4 28.8 17.939.6 30.6 37.533.2 23.1 30.645.6 38.5 38.1

7.5 6.6 10.87.5 6.7 11.0

17.7 12.8 14.512.1 7.0 6.45.0 8.0 5.3

13.5 14.4 26.915.5 11.0 31.5

1.7 5.0 5.936.2 37.0 46.414.4 15.0 19.1

23.0 24.2 22.421.9 22.3 22.122.7 24.5 26.141.3 44.0 44.415.0 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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129The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

RwandaPopulation, age 15+ (millions) 7.1 GNI per capita ($) 700

Sub-Saharan Africa Low income

50.0 42.6 34.942.1 34.2 22.932.8 23.2 13.4

36.7 32.8 24.538.1 28.8 16.932.8 23.2 13.4

31.1 20.9 17.618.1 11.6 9.9

45.0 36.9 29.938.7 31.9 25.542.5 31.4 23.448.8 39.5 32.3

38.9 34.4 25.627.4 26.9 15.17.2 7.7 4.49.1 5.7 3.37.0 7.3 4.34.6 7.6 4.8

28.8 20.8 17.1.. 7.5 ..

6.2 5.5 5.29.8 7.1 6.5

24.2 22.7 16.010.7 11.0 9.610.2 9.4 8.0

18.9 14.9 11.125.5 15.8 8.946.1 25.3 23.063.8 54.4 47.610.7 10.3 8.9

8.1 8.4 7.98.4 7.5 6.1

42.9 31.0 31.365.7 45.7 45.66.6 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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130 2018 The Little Data Book on Financial Inclusion

Country data

High income

Saudi ArabiaPopulation, age 15+ (millions) 24.0 GNI per capita ($) 21,720

High income

71.7 93.769.4 92.846.4 88.3

71.7 93.769.4 92.846.4 88.3

.. ..

.. ..

58.2 92.964.6 90.049.6 89.978.8 93.7

61.2 90.549.1 86.432.4 59.719.2 38.915.4 34.338.5 67.625.7 51.848.2 80.1

9.6 3.89.6 3.8

.. ..

.. ..

.. ..

14.3 54.815.5 49.6

.. ..44.2 71.412.8 43.9

21.1 55.117.4 51.933.5 13.354.3 64.415.2 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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131The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

SenegalPopulation, age 15+ (millions) 8.8 GNI per capita ($) 950

Sub-Saharan Africa Low income

42.3 42.6 34.915.4 34.2 22.95.8 23.2 13.4

20.4 32.8 24.511.9 28.8 16.95.8 23.2 13.4

31.8 20.9 17.66.2 11.6 9.9

38.4 36.9 29.934.5 31.9 25.529.8 31.4 23.438.8 39.5 32.3

39.5 34.4 25.611.7 26.9 15.17.4 7.7 4.43.8 5.7 3.37.0 7.3 4.3

10.4 7.6 4.829.4 20.8 17.1

5.1 7.5 ..

4.7 5.5 5.26.7 7.1 6.5

23.9 22.7 16.017.5 11.0 9.64.3 9.4 8.0

7.3 14.9 11.16.6 15.8 8.9

23.8 25.3 23.045.1 54.4 47.6

7.2 10.3 8.9

7.8 8.4 7.94.0 7.5 6.1

29.9 31.0 31.345.0 45.7 45.6

4.3 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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132 2018 The Little Data Book on Financial Inclusion

Country data

Europe &Central

Asia

Upper middle income

SerbiaPopulation, age 15+ (millions) 5.9 GNI per capita ($) 5,310

Europe & Central Asia Upper middle income

71.4 65.3 73.183.1 57.8 71.662.2 44.8 57.0

71.4 65.1 72.883.1 57.8 71.562.2 44.8 57.0

.. 3.2 3.2

.. 0.2 0.8

70.1 62.5 69.364.5 56.3 62.458.8 52.8 61.667.5 61.7 72.9

66.1 60.4 62.360.5 46.1 44.425.6 23.0 22.620.6 21.2 17.834.9 28.8 17.923.3 30.6 37.512.1 23.1 30.639.4 38.5 38.1

4.0 6.6 10.84.0 6.7 11.0

7.8 12.8 14.53.1 7.0 6.4

10.2 8.0 5.3

12.0 14.4 26.98.7 11.0 31.53.4 5.0 5.9

30.1 37.0 46.418.0 15.0 19.1

19.7 24.2 22.419.7 22.3 22.123.6 24.5 26.140.5 44.0 44.4

8.9 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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133The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

Sierra LeonePopulation, age 15+ (millions) 4.3 GNI per capita ($) 490

Sub-Saharan Africa Low income

19.8 42.6 34.915.6 34.2 22.915.3 23.2 13.4

12.4 32.8 24.514.1 28.8 16.915.3 23.2 13.4

11.0 20.9 17.64.5 11.6 9.9

15.4 36.9 29.912.9 31.9 25.520.0 31.4 23.414.4 39.5 32.3

15.6 34.4 25.612.7 26.9 15.13.1 7.7 4.4

.. 5.7 3.3

.. 7.3 4.34.1 7.6 4.89.8 20.8 17.1

.. 7.5 ..

3.6 5.5 5.24.5 7.1 6.5

10.0 22.7 16.07.7 11.0 9.6

14.5 9.4 8.0

5.2 14.9 11.110.9 15.8 8.933.6 25.3 23.054.2 54.4 47.6

8.8 10.3 8.9

5.2 8.4 7.94.1 7.5 6.1

29.1 31.0 31.349.0 45.7 45.6

5.0 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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134 2018 The Little Data Book on Financial Inclusion

Country data

High income

SingaporePopulation, age 15+ (millions) 4.8 GNI per capita ($) 51,880

High income

97.9 93.796.4 92.898.2 88.3

97.8 93.796.4 92.898.2 88.3

9.5 ..6.1 ..

96.3 92.996.4 90.095.4 89.9

100.0 93.7

90.1 90.587.0 86.444.5 59.744.1 38.931.7 34.356.6 67.648.7 51.877.0 80.1

4.2 3.84.2 3.8

13.0 ..1.3 ..8.5 ..

66.9 54.846.2 49.6

2.1 ..76.9 71.450.6 43.9

46.9 55.137.8 51.93.7 13.3

50.4 64.420.5 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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135The Little Data Book on Financial Inclusion 2018

Country data

High income

Slovak RepublicPopulation, age 15+ (millions) 4.6 GNI per capita ($) 16,800

High income

84.2 93.777.2 92.879.6 88.3

84.2 93.777.2 92.879.6 88.3

.. ..

.. ..

83.1 92.977.9 90.065.4 89.983.9 93.7

81.5 90.572.3 86.449.1 59.735.0 38.940.8 34.356.8 67.642.8 51.867.8 80.1

2.1 3.82.1 3.8

15.4 ..1.0 ..

11.0 ..

49.9 54.844.0 49.6

4.3 ..64.7 71.442.1 43.9

29.6 55.126.0 51.913.1 13.339.8 64.426.8 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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136 2018 The Little Data Book on Financial Inclusion

Country data

High income

SloveniaPopulation, age 15+ (millions) 1.8 GNI per capita ($) 21,620

High income

97.5 93.797.2 92.897.1 88.3

97.5 93.797.2 92.897.1 88.3

.. ..

.. ..

96.9 92.995.5 90.094.0 89.997.1 93.7

95.7 90.586.0 86.458.4 59.737.7 38.949.2 34.354.5 67.644.1 51.881.9 80.1

7.9 3.87.9 3.8

.. ..

.. ..

.. ..

31.2 54.832.5 49.6

.. ..67.4 71.441.1 43.9

40.2 55.134.9 51.912.2 13.348.1 64.416.8 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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137The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Upper middle income

South AfricaPopulation, age 15+ (millions) 39.6 GNI per capita ($) 5,480

Sub-Saharan Africa Upper middle income

69.2 42.6 73.170.3 34.2 71.653.6 23.2 57.0

67.4 32.8 72.868.8 28.8 71.553.6 23.2 57.0

19.0 20.9 3.214.4 11.6 0.8

70.0 36.9 69.362.6 31.9 62.459.1 31.4 61.668.7 39.5 72.9

60.1 34.4 62.358.8 26.9 44.413.5 7.7 22.615.3 5.7 17.827.8 7.3 17.914.1 7.6 37.520.6 20.8 30.625.3 7.5 38.1

12.2 5.5 10.813.3 7.1 11.0

28.3 22.7 14.516.1 11.0 6.48.0 9.4 5.3

22.1 14.9 26.932.7 15.8 31.529.5 25.3 5.959.3 54.4 46.410.4 10.3 19.1

13.5 8.4 22.418.9 7.5 22.137.4 31.0 26.153.1 45.7 44.4

5.7 4.7 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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138 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Low income

South SudanPopulation, age 15+ (millions) 7.1 GNI per capita ($) 820

Sub-Saharan Africa Low income

8.6 42.6 34.9.. 34.2 22.9.. 23.2 13.4

8.6 32.8 24.5.. 28.8 16.9.. 23.2 13.4

.. 20.9 17.6

.. 11.6 9.9

4.7 36.9 29.93.9 31.9 25.55.2 31.4 23.48.1 39.5 32.3

7.3 34.4 25.6.. 26.9 15.1

0.7 7.7 4.4.. 5.7 3.3.. 7.3 4.3

3.6 7.6 4.80.5 20.8 17.1

.. 7.5 ..

.. 5.5 5.2

.. 7.1 6.5

4.0 22.7 16.015.5 11.0 9.63.9 9.4 8.0

3.7 14.9 11.1.. 15.8 8.9

13.9 25.3 23.033.7 54.4 47.613.1 10.3 8.9

3.4 8.4 7.9.. 7.5 6.1

24.5 31.0 31.338.5 45.7 45.6

4.5 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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139The Little Data Book on Financial Inclusion 2018

Country data

High income

SpainPopulation, age 15+ (millions) 39.6 GNI per capita ($) 27,580

High income

93.8 93.797.6 92.893.3 88.3

93.8 93.797.6 92.893.3 88.3

.. ..

.. ..

91.6 92.993.1 90.083.9 89.994.5 93.7

90.5 90.593.3 86.461.1 59.730.3 38.930.9 34.365.4 67.630.3 51.880.8 80.1

5.6 3.85.6 3.8

.. ..

.. ..

.. ..

50.8 54.848.1 49.6

.. ..68.3 71.426.4 43.9

50.2 55.150.6 51.916.8 13.359.6 64.435.8 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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140 2018 The Little Data Book on Financial Inclusion

Country data

SouthAsia

Lower middle income

Sri LankaPopulation, age 15+ (millions) 16.1 GNI per capita ($) 3,850

South Asia Lower middle income

73.6 69.6 57.882.7 46.5 41.968.5 32.4 28.9

73.6 68.4 56.182.7 45.6 40.668.5 32.4 28.9

2.4 4.2 5.30.1 2.6 3.2

73.4 64.1 53.070.6 65.6 50.765.6 61.7 50.872.8 69.2 57.6

47.2 27.8 29.220.8 16.7 19.721.2 7.1 7.54.9 4.8 5.5

13.0 7.1 8.36.2 4.5 6.87.7 7.1 8.3

16.6 10.0 10.0

25.4 31.2 21.625.7 31.6 22.0

6.9 7.6 10.13.0 1.9 4.75.3 8.3 8.8

28.8 17.2 15.930.9 12.7 14.412.4 10.2 13.042.9 33.2 39.718.9 11.4 13.2

17.4 7.8 9.819.7 8.6 10.015.9 31.3 30.434.6 41.5 42.911.0 5.1 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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141The Little Data Book on Financial Inclusion 2018

Country data

High income

SwedenPopulation, age 15+ (millions) 8.2 GNI per capita ($) 54,480

High income

99.7 93.799.7 92.899.0 88.3

99.7 93.799.7 92.899.0 88.3

.. ..

.. ..

100.0 92.999.7 90.099.6 89.999.6 93.7

98.3 90.599.2 86.467.3 59.741.6 38.963.3 34.384.4 67.679.3 51.893.6 80.1

0.7 3.80.7 3.8

.. ..

.. ..

.. ..

75.4 54.875.1 49.6

.. ..83.1 71.457.0 43.9

43.7 55.149.6 51.913.6 13.354.2 64.448.3 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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142 2018 The Little Data Book on Financial Inclusion

Country data

High income

SwitzerlandPopulation, age 15+ (millions) 7.1 GNI per capita ($) 81,240

High income

98.4 93.798.0 92.8

.. 88.3

98.4 93.798.0 92.8

.. 88.3

.. ..

.. ..

98.9 92.997.4 90.097.2 89.998.4 93.7

96.5 90.590.8 86.467.9 59.735.7 38.936.9 34.372.5 67.656.0 51.888.7 80.1

4.7 3.84.7 3.8

.. ..

.. ..

.. ..

59.5 54.855.4 49.6

.. ..81.6 71.461.4 43.9

62.4 55.151.7 51.95.0 13.3

66.9 64.429.8 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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143The Little Data Book on Financial Inclusion 2018

Country data

High income

Taiwan, ChinaPopulation, age 15+ (millions) 20.3 GNI per capita ($) ..

High income

94.2 93.791.4 92.887.3 88.3

94.2 93.791.4 92.887.3 88.3

.. ..

.. ..

93.7 92.991.1 90.090.2 89.992.8 93.7

77.1 90.578.0 86.430.6 59.733.7 38.920.8 34.345.9 67.632.6 51.856.5 80.1

9.4 3.89.4 3.8

.. ..

.. ..

.. ..

66.9 54.839.3 49.6

.. ..73.8 71.440.3 43.9

52.1 55.155.5 51.9

8.4 13.358.6 64.416.0 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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144 2018 The Little Data Book on Financial Inclusion

Country data

Europe &Central

Asia

Lower middle income

TajikistanPopulation, age 15+ (millions) 5.7 GNI per capita ($) 1,110

Europe & Central Asia Lower middle income

47.0 65.3 57.811.5 57.8 41.92.5 44.8 28.9

47.0 65.1 56.111.5 57.8 40.62.5 44.8 28.9

.. 3.2 5.30.0 0.2 3.2

42.1 62.5 53.038.5 56.3 50.737.3 52.8 50.846.3 61.7 57.6

43.9 60.4 29.28.3 46.1 19.7

21.7 23.0 7.56.3 21.2 5.5

22.7 28.8 8.312.8 30.6 6.88.3 23.1 8.3

10.8 38.5 10.0

9.4 6.6 21.69.4 6.7 22.0

11.7 12.8 10.17.8 7.0 4.7

10.2 8.0 8.8

11.3 14.4 15.91.5 11.0 14.48.8 5.0 13.0

32.8 37.0 39.711.2 15.0 13.2

15.5 24.2 9.84.2 22.3 10.0

21.6 24.5 30.433.7 44.0 42.912.6 11.6 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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145The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

TanzaniaPopulation, age 15+ (millions) 30.5 GNI per capita ($) 900

Sub-Saharan Africa Low income

46.8 42.6 34.939.8 34.2 22.917.3 23.2 13.4

21.0 32.8 24.519.0 28.8 16.917.3 23.2 13.4

38.5 20.9 17.632.4 11.6 9.9

42.2 36.9 29.937.3 31.9 25.531.0 31.4 23.445.4 39.5 32.3

43.0 34.4 25.635.2 26.9 15.113.1 7.7 4.43.3 5.7 3.3

.. 7.3 4.311.6 7.6 4.836.5 20.8 17.1

4.4 7.5 ..

4.2 5.5 5.27.2 7.1 6.5

29.0 22.7 16.013.8 11.0 9.6

3.0 9.4 8.0

6.1 14.9 11.19.0 15.8 8.9

18.1 25.3 23.048.4 54.4 47.6

5.8 10.3 8.9

5.3 8.4 7.96.7 7.5 6.1

27.3 31.0 31.341.2 45.7 45.64.5 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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146 2018 The Little Data Book on Financial Inclusion

Country data

EastAsia &Pacific

Upper middle income

ThailandPopulation, age 15+ (millions) 56.7 GNI per capita ($) 5,640

East Asia & Pacific Upper middle income

81.6 70.6 73.178.1 69.1 71.672.7 55.1 57.0

81.0 70.3 72.878.1 68.9 71.572.7 55.1 57.0

8.3 1.3 3.21.3 0.4 0.8

79.8 67.9 69.377.5 59.3 62.473.9 59.8 61.680.7 68.8 72.9

62.3 58.0 62.333.2 39.0 44.410.5 20.8 22.612.0 15.9 17.827.9 12.2 17.918.7 38.6 37.517.4 31.0 30.621.3 33.1 38.1

16.4 11.8 10.816.4 11.9 11.0

36.8 15.0 14.57.8 7.3 6.48.8 5.8 5.3

38.8 30.6 26.940.6 36.7 31.517.3 8.6 5.961.8 53.1 46.444.8 23.2 19.1

20.4 21.5 22.417.9 19.5 22.129.4 29.6 26.147.5 46.8 44.411.0 10.8 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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147The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

TogoPopulation, age 15+ (millions) 4.4 GNI per capita ($) 540

Sub-Saharan Africa Low income

45.3 42.6 34.918.3 34.2 22.910.2 23.2 13.4

34.1 32.8 24.517.6 28.8 16.910.2 23.2 13.4

21.5 20.9 17.61.4 11.6 9.9

37.6 36.9 29.934.7 31.9 25.535.3 31.4 23.445.0 39.5 32.3

31.3 34.4 25.66.9 26.9 15.15.6 7.7 4.43.6 5.7 3.36.5 7.3 4.36.6 7.6 4.8

20.7 20.8 17.15.3 7.5 ..

10.8 5.5 5.212.1 7.1 6.5

17.3 22.7 16.013.6 11.0 9.68.0 9.4 8.0

11.8 14.9 11.16.7 15.8 8.9

23.1 25.3 23.045.2 54.4 47.6

8.4 10.3 8.9

9.1 8.4 7.94.0 7.5 6.1

22.0 31.0 31.340.3 45.7 45.6

4.9 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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148 2018 The Little Data Book on Financial Inclusion

Country data

High income

Trinidad and TobagoPopulation, age 15+ (millions) 1.1 GNI per capita ($) 16,240

High income

80.8 93.7.. 92.8

75.9 88.3

80.8 93.7.. 92.8

75.9 88.3

.. ..

.. ..

73.6 92.977.1 90.072.7 89.980.1 93.7

64.1 90.5.. 86.4

17.2 59.716.8 38.927.9 34.320.1 67.613.0 51.840.9 80.1

15.1 3.815.1 3.8

7.2 ..4.1 ..

13.4 ..

36.2 54.8.. 49.6

20.6 ..70.7 71.437.9 43.9

27.5 55.1.. 51.9

19.9 13.346.6 64.413.5 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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149The Little Data Book on Financial Inclusion 2018

Country data

Middle East &

North Africa

Lower middle income

TunisiaPopulation, age 15+ (millions) 8.7 GNI per capita ($) 3,690

Middle East & North Africa Lower middle income

36.9 43.5 57.827.4 .. 41.9

.. 32.9 28.9

36.8 43.0 56.127.3 .. 40.6

.. 32.9 28.9

2.0 5.8 5.30.6 .. 3.2

28.4 35.0 53.021.0 35.3 50.721.5 35.0 50.828.1 36.9 57.6

29.4 33.3 29.217.0 .. 19.73.6 9.8 7.56.3 5.9 5.5

12.3 19.5 8.36.6 12.2 6.84.1 10.4 8.3

13.1 16.2 10.0

4.3 7.1 21.64.9 7.2 22.0

11.4 5.0 10.15.5 4.9 4.7

13.7 11.1 8.8

18.3 10.8 15.910.3 .. 14.4

3.1 8.0 13.039.4 31.3 39.713.6 8.1 13.2

11.7 9.6 9.812.0 .. 10.031.7 31.1 30.445.1 42.6 42.98.0 8.2 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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150 2018 The Little Data Book on Financial Inclusion

Country data

Europe &Central

Asia

Upper middle income

TurkeyPopulation, age 15+ (millions) 59.4 GNI per capita ($) 11,230

Europe & Central Asia Upper middle income

68.6 65.3 73.156.7 57.8 71.657.6 44.8 57.0

67.7 65.1 72.856.5 57.8 71.557.6 44.8 57.0

16.4 3.2 3.20.8 0.2 0.8

54.3 62.5 69.356.4 56.3 62.443.9 52.8 61.665.4 61.7 72.9

63.8 60.4 62.348.3 46.1 44.426.3 23.0 22.626.9 21.2 17.822.1 28.8 17.936.2 30.6 37.528.0 23.1 30.647.6 38.5 38.1

8.3 6.6 10.88.8 6.7 11.0

16.6 12.8 14.55.1 7.0 6.46.6 8.0 5.3

22.9 14.4 26.99.1 11.0 31.5

10.9 5.0 5.939.1 37.0 46.420.0 15.0 19.1

42.8 24.2 22.435.9 22.3 22.128.4 24.5 26.159.2 44.0 44.411.0 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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151The Little Data Book on Financial Inclusion 2018

Country data

Europe &Central

Asia

Upper middle income

TurkmenistanPopulation, age 15+ (millions) 3.9 GNI per capita ($) 6,670

Europe & Central Asia Upper middle income

40.6 65.3 73.1.. 57.8 71.6

0.4 44.8 57.0

40.6 65.1 72.8.. 57.8 71.5

0.4 44.8 57.0

.. 3.2 3.2

.. 0.2 0.8

35.5 62.5 69.339.7 56.3 62.410.2 52.8 61.638.1 61.7 72.9

34.3 60.4 62.3.. 46.1 44.4

0.0 23.0 22.67.5 21.2 17.8

23.9 28.8 17.92.0 30.6 37.52.2 23.1 30.65.6 38.5 38.1

6.2 6.6 10.86.2 6.7 11.0

4.2 12.8 14.513.0 7.0 6.412.7 8.0 5.3

4.8 14.4 26.9.. 11.0 31.5

4.2 5.0 5.951.0 37.0 46.418.8 15.0 19.1

6.8 24.2 22.4.. 22.3 22.1

21.1 24.5 26.136.9 44.0 44.4

8.0 11.6 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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152 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Low income

UgandaPopulation, age 15+ (millions) 21.6 GNI per capita ($) 630

Sub-Saharan Africa Low income

59.2 42.6 34.944.4 34.2 22.920.5 23.2 13.4

32.8 32.8 24.527.8 28.8 16.920.5 23.2 13.4

50.6 20.9 17.635.1 11.6 9.9

52.7 36.9 29.947.3 31.9 25.544.2 31.4 23.458.2 39.5 32.3

54.7 34.4 25.640.5 26.9 15.110.4 7.7 4.4

7.9 5.7 3.37.3 7.3 4.39.5 7.6 4.8

47.2 20.8 17.15.4 7.5 ..

3.8 5.5 5.29.6 7.1 6.5

38.1 22.7 16.010.9 11.0 9.66.3 9.4 8.0

12.7 14.9 11.116.8 15.8 8.937.5 25.3 23.068.6 54.4 47.614.0 10.3 8.9

14.7 8.4 7.916.1 7.5 6.146.5 31.0 31.366.1 45.7 45.613.0 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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153The Little Data Book on Financial Inclusion 2018

Country data

Europe &Central

Asia

Lower middle income

UkrainePopulation, age 15+ (millions) 38.1 GNI per capita ($) 2,310

Europe & Central Asia Lower middle income

62.9 65.3 57.852.7 57.8 41.941.3 44.8 28.9

62.9 65.1 56.152.7 57.8 40.641.3 44.8 28.9

.. 3.2 5.3

.. 0.2 3.2

61.3 62.5 53.053.3 56.3 50.754.8 52.8 50.855.5 61.7 57.6

60.7 60.4 29.244.1 46.1 19.720.0 23.0 7.520.7 21.2 5.534.3 28.8 8.329.5 30.6 6.818.1 23.1 8.339.1 38.5 10.0

4.9 6.6 21.64.9 6.7 22.0

8.1 12.8 10.12.8 7.0 4.7

10.1 8.0 8.8

12.9 14.4 15.97.8 11.0 14.42.2 5.0 13.0

39.6 37.0 39.711.2 15.0 13.2

21.8 24.2 9.821.7 22.3 10.030.8 24.5 30.446.9 44.0 42.9

4.6 11.6 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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154 2018 The Little Data Book on Financial Inclusion

Country data

High income

United Arab EmiratesPopulation, age 15+ (millions) 8.0 GNI per capita ($) 40,480

High income

88.2 93.783.7 92.859.7 88.3

87.4 93.783.2 92.859.7 88.3

21.3 ..11.5 ..

76.4 92.983.0 90.056.7 89.980.2 93.7

84.0 90.576.1 86.429.3 59.751.6 38.916.1 34.359.7 67.646.6 51.870.8 80.1

6.3 3.87.0 3.8

.. ..

.. ..

.. ..

28.7 54.832.1 49.6

.. ..56.8 71.424.0 43.9

46.1 55.139.4 51.925.7 13.363.9 64.418.0 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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155The Little Data Book on Financial Inclusion 2018

Country data

High income

United KingdomPopulation, age 15+ (millions) 54.1 GNI per capita ($) 42,360

High income

96.4 93.798.9 92.897.2 88.3

96.4 93.798.9 92.897.2 88.3

.. ..

.. ..

96.1 92.994.5 90.094.1 89.995.8 93.7

95.6 90.597.0 86.473.7 59.744.9 38.940.1 34.380.7 67.646.7 51.889.2 80.1

2.7 3.82.7 3.8

.. ..

.. ..

.. ..

63.7 54.852.3 49.6

.. ..74.0 71.442.6 43.9

64.7 55.162.4 51.914.0 13.374.6 64.426.7 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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156 2018 The Little Data Book on Financial Inclusion

Country data

High income

United StatesPopulation, age 15+ (millions) 261.6 GNI per capita ($) 56,810

High income

93.1 93.793.6 92.888.0 88.3

93.1 93.793.6 92.888.0 88.3

.. ..

.. ..

92.7 92.985.2 90.094.0 89.992.6 93.7

91.1 90.591.2 86.458.2 59.734.0 38.934.8 34.377.2 67.667.3 51.885.9 80.1

2.9 3.82.9 3.8

.. ..

.. ..

.. ..

62.2 54.854.1 49.6

.. ..79.3 71.454.0 43.9

68.4 55.164.6 51.915.2 13.377.4 64.434.0 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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157The Little Data Book on Financial Inclusion 2018

Country data

High income

UruguayPopulation, age 15+ (millions) 2.7 GNI per capita ($) 15,230

High income

63.9 93.745.6 92.823.5 88.3

63.9 93.745.4 92.823.5 88.3

.. ..1.2 ..

60.6 92.948.6 90.055.1 89.957.0 93.7

59.3 90.537.5 86.419.7 59.718.5 38.922.2 34.330.9 67.615.8 51.850.6 80.1

5.1 3.85.1 3.8

10.5 ..6.7 ..5.9 ..

11.8 54.812.5 49.6

3.0 ..37.3 71.411.7 43.9

43.4 55.144.5 51.912.3 13.353.7 64.46.9 26.6

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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158 2018 The Little Data Book on Financial Inclusion

Country data

Europe &Central

Asia

Lower middle income

UzbekistanPopulation, age 15+ (millions) 22.9 GNI per capita ($) 2,220

Europe & Central Asia Lower middle income

37.1 65.3 57.840.7 57.8 41.922.5 44.8 28.9

37.1 65.1 56.140.7 57.8 40.622.5 44.8 28.9

.. 3.2 5.3

.. 0.2 3.2

36.0 62.5 53.029.7 56.3 50.734.3 52.8 50.834.4 61.7 57.6

34.2 60.4 29.237.8 46.1 19.719.2 23.0 7.5

3.0 21.2 5.522.8 28.8 8.3

7.1 30.6 6.86.7 23.1 8.3

25.0 38.5 10.0

3.3 6.6 21.63.3 6.7 22.0

1.2 12.8 10.11.8 7.0 4.78.2 8.0 8.8

2.3 14.4 15.91.8 11.0 14.4

12.8 5.0 13.038.5 37.0 39.7

9.3 15.0 13.2

2.4 24.2 9.82.2 22.3 10.0

12.9 24.5 30.420.0 44.0 42.9

1.3 11.6 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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159The Little Data Book on Financial Inclusion 2018

Country data

Latin America &the Carib.

Upper middle income

Venezuela, RBPopulation, age 15+ (millions) 22.8 GNI per capita ($) 11,760

Latin America & Caribbean Upper middle income

73.5 54.4 73.157.0 51.4 71.644.1 39.3 57.0

73.2 53.5 72.856.9 51.2 71.544.1 39.3 57.0

11.0 5.3 3.23.0 1.7 0.8

70.0 51.3 69.360.2 41.9 62.457.6 43.3 61.673.2 52.6 72.9

68.8 45.1 62.349.1 37.7 44.414.0 14.0 22.619.7 12.6 17.820.6 15.9 17.928.8 14.9 37.529.7 11.1 30.661.3 27.6 38.1

5.1 9.0 10.85.2 9.3 11.0

19.7 8.9 14.53.5 4.8 6.43.3 3.9 5.3

19.4 12.2 26.922.8 13.4 31.512.6 7.5 5.941.5 37.2 46.48.8 11.8 19.1

27.7 20.8 22.420.0 24.8 22.117.7 15.2 26.144.3 37.6 44.4

2.6 5.2 11.1

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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160 2018 The Little Data Book on Financial Inclusion

Country data

EastAsia &Pacific

Lower middle income

VietnamPopulation, age 15+ (millions) 71.3 GNI per capita ($) 2,060

East Asia & Pacific Lower middle income

30.8 70.6 57.831.0 69.1 41.921.4 55.1 28.9

30.0 70.3 56.130.9 68.9 40.621.4 55.1 28.9

3.5 1.3 5.30.5 0.4 3.2

30.4 67.9 53.020.3 59.3 50.719.8 59.8 50.825.2 68.8 57.6

22.7 58.0 29.218.1 39.0 19.72.9 20.8 7.58.9 15.9 5.53.0 12.2 8.3

20.5 38.6 6.89.2 31.0 8.36.2 33.1 10.0

5.7 11.8 21.65.9 11.9 22.0

9.6 15.0 10.17.9 7.3 4.76.6 5.8 8.8

14.5 30.6 15.914.6 36.7 14.414.4 8.6 13.057.4 53.1 39.718.0 23.2 13.2

21.7 21.5 9.819.5 19.5 10.029.5 29.6 30.449.0 46.8 42.9

9.2 10.8 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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161The Little Data Book on Financial Inclusion 2018

Country data

Middle East &

North Africa

Lower middle income

West Bank and GazaPopulation, age 15+ (millions) 2.7 GNI per capita ($) 3,230

Middle East & North Africa Lower middle income

25.0 43.5 57.824.2 .. 41.919.4 32.9 28.9

25.0 43.0 56.124.2 .. 40.619.4 32.9 28.9

.. 5.8 5.3

.. .. 3.2

15.9 35.0 53.012.0 35.3 50.712.5 35.0 50.831.4 36.9 57.6

14.2 33.3 29.212.1 .. 19.73.9 9.8 7.53.7 5.9 5.5

.. 19.5 8.37.1 12.2 6.82.0 10.4 8.35.1 16.2 10.0

5.6 7.1 21.65.6 7.2 22.0

1.6 5.0 10.11.4 4.9 4.7

10.9 11.1 8.8

6.0 10.8 15.95.1 .. 14.4

12.3 8.0 13.026.9 31.3 39.7

3.6 8.1 13.2

7.2 9.6 9.84.7 .. 10.0

19.6 31.1 30.428.7 42.6 42.95.4 8.2 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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162 2018 The Little Data Book on Financial Inclusion

Country data

Sub-SaharanAfrica

Lower middle income

ZambiaPopulation, age 15+ (millions) 9.1 GNI per capita ($) 1,360

Sub-Saharan Africa Lower middle income

45.9 42.6 57.835.6 34.2 41.921.4 23.2 28.9

35.8 32.8 56.131.3 28.8 40.621.4 23.2 28.9

27.8 20.9 5.312.1 11.6 3.2

40.3 36.9 53.031.2 31.9 50.733.4 31.4 50.840.9 39.5 57.6

38.7 34.4 29.228.6 26.9 19.712.8 7.7 7.5

8.1 5.7 5.59.8 7.3 8.3

11.3 7.6 6.826.2 20.8 8.3

9.0 7.5 10.0

6.5 5.5 21.68.8 7.1 22.0

21.8 22.7 10.115.2 11.0 4.7

4.5 9.4 8.8

13.6 14.9 15.916.8 15.8 14.423.5 25.3 13.058.7 54.4 39.7

8.1 10.3 13.2

10.4 8.4 9.85.7 7.5 10.0

31.0 31.0 30.448.7 45.7 42.9

7.8 4.7 5.0

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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163The Little Data Book on Financial Inclusion 2018

Country data

Sub-SaharanAfrica

Low income

ZimbabwePopulation, age 15+ (millions) 9.5 GNI per capita ($) 890

Sub-Saharan Africa Low income

55.3 42.6 34.932.4 34.2 22.939.7 23.2 13.4

28.2 32.8 24.517.2 28.8 16.939.7 23.2 13.4

48.6 20.9 17.621.6 11.6 9.9

51.7 36.9 29.943.6 31.9 25.547.5 31.4 23.447.6 39.5 32.3

52.5 34.4 25.630.0 26.9 15.113.4 7.7 4.410.1 5.7 3.3

7.4 7.3 4.39.5 7.6 4.8

45.5 20.8 17.113.9 7.5 ..

1.7 5.5 5.25.0 7.1 6.5

36.7 22.7 16.09.3 11.0 9.68.6 9.4 8.0

5.3 14.9 11.15.2 15.8 8.9

21.3 25.3 23.053.6 54.4 47.6

4.7 10.3 8.9

4.7 8.4 7.94.3 7.5 6.1

37.9 31.0 31.347.5 45.7 45.62.9 4.7 5.5

Account (% age 15+)All adultsAll adults, 2014All adults, 2011

Financial institution account (% age 15+)All adultsAll adults, 2014All adults, 2011

Mobile money account (% age 15+)All adultsAll adults, 2014

Account, by individual characteristics (% age 15+)WomenAdults belonging to the poorest 40%Adults out of the labor forceAdults living in rural areas

Digital payments in the past year (% age 15+)Made or received digital paymentsMade or received digital payments, 2014Used an account to pay utility billsUsed an account to receive private sector wagesUsed an account to receive government payments Used the internet to pay bills or to buy something online Used a mobile phone or the internet to access an accountUsed a debit or credit card to make a purchase

Inactive account in the past year (% age 15+)No deposit and no withdrawal from an accountNo deposit and no withdrawal from a financial institution account

Domestic remittances in the past year (% age 15+)Sent or received domestic remittances through an accountSent or received domestic remittances through an OTC serviceSent or received domestic remittances through cash only

Saving in the past year (% age 15+)Saved at a financial institutionSaved at a financial institution, 2014Saved using a savings club or person outside the familySaved any moneySaved for old age

Credit in the past year (% age 15+)Borrowed from a financial institution or used a credit cardBorrowed from a financial institution or used a credit card, 2014Borrowed from family or friendsBorrowed any moneyOutstanding housing loan

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164 2018 The Little Data Book on Financial Inclusion

Account denotes the percentage of respondents who report having an account (by themselves or together with someone else) at a bank or another type of financial institution (see definition for financial institution

account) or report personally using a mobile money service in the past 12 months (see definition for mobile money account) .

Borrowed any money denotes the percentage of respondents who report borrowing any money (by themselves or together with someone else) for any reason and from any source in the past 12 months .

Borrowed from a financial institution or used a credit card denotes the percentage of respondents who report borrowing any money from a bank or another type of financial institution, or using a credit card, in the past 12 months .

Borrowed from family or friends denotes the percentage of respondents who report borrowing any money from family, relatives, or friends in the past 12 months .

Financial institution account denotes the percentage of respondents who report having an account (by themselves or together with someone else) at a bank or another type of financial institution .1

GNI per capita ($) is gross national income (GNI) converted to U .S . dollars using the World Bank Atlas method, divided by total midyear population . GNI is the sum of value added by all resident producers plus any product taxes (less subsidies) not included in the valuation of output plus net receipts of primary income (compensation of employees and property income) from abroad . GNI, calculated in national currency, is usually converted to U .S . dollars at official exchange rates for comparisons across economies . The World Bank Atlas method is used to smooth fluctuations in prices and exchange rates . It averages the exchange rate for a given year and the two preceding years, adjusted for differences in rates of inflation between the country and the euro area, Japan, the United Kingdom, and the United States . Data are for 2016 . Aggregates include economies not shown in this book . (World Bank)

Made or received digital payments denotes the percentage of respondents who report using mobile money, a debit or credit card, or a mobile phone to make a payment from an account, or report using the internet to pay bills or to buy something online, in the past 12 months . It also includes respondents who report paying bills, sending or receiving remittances, receiving payments for agricultural products, receiving government transfers, receiving wages, or receiving a public sector pension through a financial institution account or through a mobile money account in the past 12 months .

Mobile money account denotes the percentage of respondents who report personally using a mobile money service in the past 12 months .2

No deposit and no withdrawal from a financial institution account denotes the percentage of respondents who report neither a deposit into nor a withdrawal from their financial institution account in the past 12 months .

Glossary

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165The Little Data Book on Financial Inclusion 2018

GlossaryNo deposit and no withdrawal from an account denotes the percentage of respondents who report neither a deposit into nor a withdrawal from their account in the past 12 months .

Outstanding housing loan denotes the percentage of respondents who report having an outstanding loan from a bank or another type of financial institution to purchase a home, an apartment, or land .

Population, age 15+ is the midyear estimate of all adult residents age 15 and above regardless of legal status or citizenship, except for refugees not permanently settled in the country of asylum who are generally considered part of the population of their country of origin . Data are for 2016 . Aggregates include economies not shown in this book . (Eurostat, United Nations Population Division, and World Bank)

Saved any money denotes the percentage of respondents who report personally saving or setting aside any money for any reason and using any mode of saving in the past 12 months .

Saved at a financial institution denotes the percentage of respondents who report saving or setting aside any money in the past 12 months by using an account at a bank or another type of financial institution .

Saved for old age denotes the percentage of respondents who report saving or setting aside any money in the past 12 months for old age .

Saved using a savings club or person outside the family denotes the percentage of respondents who report saving or setting aside any money in the past 12 months by using an informal savings club or a person outside the family .

Sent or received domestic remittances through an account denotes the percentage of respondents who report personally sending any of their money in the past 12 months to, or receiving any of it from, a relative or friend living in a different area of their country using a financial institution account or a mobile money account .

Sent or received domestic remittances through an OTC service denotes the percentage of respondents who report personally sending any of their money in the past 12 months to, or receiving any of it from, a relative or friend living in a different area of their country over the counter in a branch of their financial institution, through a mobile banking agent, or through a money transfer service .

Sent or received domestic remittances through cash only denotes the percentage of respondents who report personally sending any of their money in the past 12 months to, or receiving any of it from, a relative or friend living in a different area of their country only by handing cash to or receiving cash from that person, or by sending or receiving it through someone they know .

Used a debit or credit card to make a purchase denotes the percentage of respondents who report using their own debit or credit card to make a purchase in the past 12 months .

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166 2018 The Little Data Book on Financial Inclusion

GlossaryUsed a mobile phone or the internet to access an account denotes the percentage of respondents who report using a mobile phone or the internet to make a payment, to make a purchase, or to send or receive money through their account at a bank or another type of financial institution or through the use of a mobile money service in the past 12 months .

Used an account to pay utility bills denotes the percentage of respondents who report making a payment for water, electricity, or trash collection directly from a financial institution account or through a mobile money account in the past 12 months .

Used an account to receive government payments denotes the percentage of respondents who report personally receiving any payment from the government (public sector wages, a public sector pension, or government transfers of financial support) directly into a financial institution account, into a card, or into a mobile money account in the past 12 months .

Used an account to receive private sector wages denotes the percentage of respondents who report receiving a private sector salary or private sector wages directly into a financial institution account, into a card, or into a mobile money account in the past 12 months .

Used the internet to pay bills or to buy something online denotes the percentage of respondents who report making bill payments or online purchases using the internet, whether through a mobile phone, a computer, or some other device, in the past 12 months .

NotesFor indicators for which the source of data is other than the 2017 edition of the Global Findex database, the source is given at the end of the definition or is as follows:

For 2011 Global Findex data, the source is Asli Demirguc-Kunt and Leora Klapper, “Measuring Financial Inclusion: Explaining Variation in Use of Financial Services across and within Countries,” Brookings Papers on Economic Activity (Spring 2013) .

For 2014 Global Findex data, the source is Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, and Peter van Oudheusden . Forthcoming . “The Global Findex Database 2014: Measuring Financial Inclusion and Opportunities to Expand Access to and Use of Financial Services .” World Bank Economic Review.

1 . Financial institution account includes respondents who report having an account at a bank or at another type of financial institution, such as a credit union, a microfinance institution, a cooperative, or the post office (if applicable), or having a debit card in their own name . It includes an additional 3 .93 percent of respondents in 2017 who report receiving wages, government transfers, a public sector pension (included in 2017 data), or payments for agricultural products into a financial institution account in the past 12 months; paying utility bills or school fees from a financial institution account in the past 12 months; or receiving wages or government transfers into a card in the past 12 months .

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167The Little Data Book on Financial Inclusion 2018

Glossary2 . Mobile money account includes respondents who report personally using services included in the GSM Association’s Mobile Money for the Unbanked (GSMA MMU) database to pay bills or to send or receive money in the past 12 months . It includes an additional 0 .60 percent of respondents in 2017 who report receiving wages, government transfers, a public sector pension (included in 2017 data), or payments for agricultural products through a mobile phone in the past 12 months .

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168 2018 The Little Data Book on Financial Inclusion

ReferenceThe reference citation for the 2017 Global Findex data provided in this book is as follows:

Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess . 2018 . The Global Findex Database 2017: Measuring Financial Inclusion

and the Fintech Revolution. World Bank: Washington, DC .