North America
For the purposes of regional data analysis, the World Bank classification of North America includes only two countries: United States and Canada. According to the 2021 edition of the Global Findex – the World Bank’s global database that tracks financial inclusion – North America has the highest percentage of people who own an account. Specifically, 99.6 of the adult population in Canada and 95 percent in the United States own an account with a financial institution or mobile money provider.
Middle East and North Africa
The Middle East and North Africa (MENA) is the region with the lowest proportion of adults with a financial account in the world. In fact, only 48 percent of adults in the region, excluding high-income economies, have an account, 23 percentage points lower than the developing economy average. Being unemployed makes it even less likely for an adult to have an account. Only 39 percent of adults who are not active in the labor force in MENA have an account, the lowest percentage of all world regions.