The Global Findex Database
Since 2011, the Global Findex Database has been the definitive source of data on the ways in which adults around the world use financial services, from payments to savings and borrowing, and manage financial events such as a major expense or a loss of income. Results from the first survey were published in 2011, and have been followed by subsequent survey results from 2014, 2017 and 2021.
The 2025 version, based on nationally representative surveys of about 145,000 adults in 141 economies and conducted over the calendar year 2024, includes updated indicators on access to and use of formal and informal financial services to save, borrow, make payments, and manage financial risk, as well as globally comparable data on ownership of mobile phones, internet use, and digital safety. The data also identify gaps in access to and use of digital and financial services by women and poor adults.
Financial inclusion is on the rise globally. Highlights of the 2025 edition include:
- Worldwide account ownership has reached 79% of the global population—and 75% of people in low and middle income economies.
- 1.3 billion adults worldwide still lack accounts. Half of them live in just eight economies.
- 77% of women have an account, narrowing the global gender gap to 4 percentage points. Though meaningful gender gaps in account ownership persist in 65 low- and middle-income economies, these gaps are narrowing in almost all of them.
- Mobile money accounts have spread worldwide; 15% of adults now have one.
- 40% of adults saved in an account, up from 24% in 2021. An additional 15% saved in other ways, for a total of 55% of all adults saving.