Search
Sections
Sections

Research

The 2016 Brookings Financial and Digital Inclusion Project Report

Advancing equitable financial ecosystems

August 2016

2016 FDIP report cover
  • 49 min read

The 2016 Brookings Financial and Digital Inclusion Project (FDIP) report evaluates access to and usage of affordable financial services by underserved people across 26 geographically, politically, and economically diverse countries.

The 2016 report assesses these countries’ financial inclusion ecosystems based on four dimensions of financial inclusion: country commitment, mobile capacity, regulatory environment, and adoption of selected traditional and digital financial services.

The 2016 report builds upon the first annual FDIP report, published in August 2015. The 2016 report analyzes key changes in the global financial inclusion landscape over the previous year, broadens its scope by adding five new countries to the study, and provides recommendations aimed at advancing financial inclusion among marginalized groups, such as women, migrants, refugees, and youth.

Use the interactive scorecard visualization below to explore and compare overall, dimension, and indicator scores for the FDIP countries. Click on a country’s name or dimension score to view a detailed, country-specific scoring guide.

To learn more about the FDIP scores and methodology, download the 2016 report. Comments and feedback can be sent to [email protected].

  • flagKenya
    84%
    89
    83
    94
    78

    flag

    Score: 84%

    Adult Population: 25 Million

    GDP: $61 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment89%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 1/3

    Mobile Capacity83%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment94%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 2/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption78%

    1. Formal financial institution account penetration among lower-income adults 2/3

    2. Formal financial institution account penetration among women 3/3

    3. Borrowing from a financial institution 3/3

    4. Saving at a financial institution 3/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 3/3

    9. Mobile money account penetration among women 3/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 3/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 3/3

    12. Frequency of account usage 2/3

    Close Kenya
  • flagColombia
    79%
    100
    94
    89
    56

    flag

    Score: 79%

    Adult Population: 33 Million

    GDP: $378 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment100%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity94%

    1. Market penetration with respect to unique subscribers 3/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 2/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment89%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 1/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption56%

    1. Formal financial institution account penetration among lower-income adults 2/3

    2. Formal financial institution account penetration among women 2/3

    3. Borrowing from a financial institution 3/3

    4. Saving at a financial institution 1/3

    5. Debit card use 2/3

    6. Credit card use 2/3

    7. Percentage of adults utilizing online bill payments and purchases 2/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 2/3

    Close Colombia
  • flagBrazil
    78%
    89
    83
    83
    67

    flag

    Score: 78%

    Adult Population: 144 Million

    GDP: $2,417 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment89%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 1/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity83%

    1. Market penetration with respect to unique subscribers 3/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 2/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 1/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment83%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 2/3

    5. Account access and usage 1/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption67%

    1. Formal financial institution account penetration among lower-income adults 3/3

    2. Formal financial institution account penetration among women 3/3

    3. Borrowing from a financial institution 2/3

    4. Saving at a financial institution 1/3

    5. Debit card use 3/3

    6. Credit card use 3/3

    7. Percentage of adults utilizing online bill payments and purchases 2/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 3/3

    Close Brazil
  • flagSouth Africa
    78%
    83
    94
    67
    72

    flag

    Score: 78%

    Adult Population: 36 Million

    GDP: $350 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment83%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 2/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 2/3

    6. Existence of a consumer protection framework regarding financial services 2/3

    Mobile Capacity94%

    1. Market penetration with respect to unique subscribers 3/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 2/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment67%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 1/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 1/3

    5. Account access and usage 1/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption72%

    1. Formal financial institution account penetration among lower-income adults 3/3

    2. Formal financial institution account penetration among women 3/3

    3. Borrowing from a financial institution 2/3

    4. Saving at a financial institution 3/3

    5. Debit card use 3/3

    6. Credit card use 2/3

    7. Percentage of adults utilizing online bill payments and purchases 2/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 2/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 3/3

    Close South Africa
  • flagUganda
    78%
    100
    78
    94
    58

    flag

    Score: 78%

    Adult Population: 19 Million

    GDP: $27 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment100%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity78%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 2/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment94%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 2/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption58%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 1/3

    3. Borrowing from a financial institution 3/3

    4. Saving at a financial institution 2/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 2/3

    9. Mobile money account penetration among women 2/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 2/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 3/3

    12. Frequency of account usage 2/3

    Close Uganda
  • flagPhilippines
    76%
    100
    94
    100
    42

    flag

    Score: 76%

    Adult Population: 64 Million

    GDP: $285 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment100%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity94%

    1. Market penetration with respect to unique subscribers 3/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 2/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment100%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 3/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption42%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 2/3

    3. Borrowing from a financial institution 2/3

    4. Saving at a financial institution 2/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 1/3

    Close Philippines
  • flagRwanda
    76%
    94
    83
    100
    50

    flag

    Score: 76%

    Adult Population: 7 Million

    GDP: $8 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment94%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 2/3

    Mobile Capacity83%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment100%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 3/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption50%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 2/3

    3. Borrowing from a financial institution 2/3

    4. Saving at a financial institution 3/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 2/3

    12. Frequency of account usage 2/3

    Close Rwanda
  • flagChile
    74%
    89
    72
    61
    75

    flag

    Score: 74%

    Adult Population: 12 Million

    GDP: $258 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment89%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 1/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity72%

    1. Market penetration with respect to unique subscribers 3/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 2/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 1/3

    6. Availability of merchant payments via mobile money services 1/3

    Regulatory Environment61%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 1/3

    3. E-money regulations 1/3

    4. Mobile money platform interoperability 1/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 2/3

    Adoption75%

    1. Formal financial institution account penetration among lower-income adults 3/3

    2. Formal financial institution account penetration among women 3/3

    3. Borrowing from a financial institution 3/3

    4. Saving at a financial institution 2/3

    5. Debit card use 3/3

    6. Credit card use 3/3

    7. Percentage of adults utilizing online bill payments and purchases 3/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 3/3

    Close Chile
  • flagMexico
    74%
    94
    83
    78
    58

    flag

    Score: 74%

    Adult Population: 84 Million

    GDP: $1,295 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment94%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 2/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity83%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment78%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 1/3

    4. Mobile money platform interoperability 2/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 2/3

    Adoption58%

    1. Formal financial institution account penetration among lower-income adults 2/3

    2. Formal financial institution account penetration among women 2/3

    3. Borrowing from a financial institution 2/3

    4. Saving at a financial institution 2/3

    5. Debit card use 2/3

    6. Credit card use 2/3

    7. Percentage of adults utilizing online bill payments and purchases 2/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 3/3

    Close Mexico
  • flagNigeria
    72%
    94
    78
    83
    53

    flag

    Score: 72%

    Adult Population: 97 Million

    GDP: $569 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment94%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 2/3

    Mobile Capacity78%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 2/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment83%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 1/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 2/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption53%

    1. Formal financial institution account penetration among lower-income adults 2/3

    2. Formal financial institution account penetration among women 2/3

    3. Borrowing from a financial institution 1/3

    4. Saving at a financial institution 3/3

    5. Debit card use 2/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 3/3

    Close Nigeria
  • flagTurkey
    72%
    89
    78
    67
    64

    flag

    Score: 72%

    Adult Population: 51 Million

    GDP: $798 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment89%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 1/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity78%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 2/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 1/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment67%

    1. Agent banking 1/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 1/3

    5. Account access and usage 1/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption64%

    1. Formal financial institution account penetration among lower-income adults 3/3

    2. Formal financial institution account penetration among women 2/3

    3. Borrowing from a financial institution 3/3

    4. Saving at a financial institution 1/3

    5. Debit card use 2/3

    6. Credit card use 3/3

    7. Percentage of adults utilizing online bill payments and purchases 3/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 2/3

    Close Turkey
  • flagIndia
    71%
    100
    72
    94
    44

    flag

    Score: 71%

    Adult Population: 860 Million

    GDP: $2,049 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment100%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity72%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 1/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment94%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 2/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption44%

    1. Formal financial institution account penetration among lower-income adults 3/3

    2. Formal financial institution account penetration among women 2/3

    3. Borrowing from a financial institution 1/3

    4. Saving at a financial institution 2/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 1/3

    Close India
  • flagIndonesia
    71%
    72
    94
    94
    47

    flag

    Score: 71%

    Adult Population: 173 Million

    GDP: $889 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment72%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 1/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 1/3

    5. Existence of a dedicated financial inclusion body within the public sector 2/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity94%

    1. Market penetration with respect to unique subscribers 3/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 2/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment94%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 3/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 2/3

    Adoption47%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 2/3

    3. Borrowing from a financial institution 2/3

    4. Saving at a financial institution 3/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 2/3

    Close Indonesia
  • flagPakistan
    69%
    100
    83
    89
    36

    flag

    Score: 69%

    Adult Population: 114 Million

    GDP: $244 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment100%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity83%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment89%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 1/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 3/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption36%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 1/3

    3. Borrowing from a financial institution 1/3

    4. Saving at a financial institution 1/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 2/3

    Close Pakistan
  • flagPeru
    69%
    100
    56
    100
    44

    flag

    Score: 69%

    Adult Population: 20 Million

    GDP: $203 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment100%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity56%

    1. Market penetration with respect to unique subscribers 3/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 1/3

    5. Availability of international remittances via mobile money services 1/3

    6. Availability of merchant payments via mobile money services 1/3

    Regulatory Environment100%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 3/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption44%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 1/3

    3. Borrowing from a financial institution 2/3

    4. Saving at a financial institution 1/3

    5. Debit card use 1/3

    6. Credit card use 2/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 3/3

    Close Peru
  • flagEl Salvador
    68%
    72
    89
    83
    47

    flag

    Score: 68%

    Adult Population: 4 Million

    GDP: $25 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment72%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 1/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 1/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 2/3

    Mobile Capacity89%

    1. Market penetration with respect to unique subscribers 3/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment83%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 2/3

    5. Account access and usage 1/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption47%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 2/3

    3. Borrowing from a financial institution 3/3

    4. Saving at a financial institution 2/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 2/3

    Close El Salvador
  • flagTanzania
    68%
    94
    72
    89
    42

    flag

    Score: 68%

    Adult Population: 28 Million

    GDP: $48 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment94%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 2/3

    Mobile Capacity72%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 1/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment89%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 3/3

    5. Account access and usage 1/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption42%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 1/3

    3. Borrowing from a financial institution 1/3

    4. Saving at a financial institution 1/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 2/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 2/3

    12. Frequency of account usage 2/3

    Close Tanzania
  • flagZambia
    67%
    94
    78
    78
    42

    flag

    Score: 67%

    Adult Population: 8 Million

    GDP: $27 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment94%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 2/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity78%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 2/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment78%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 1/3

    5. Account access and usage 1/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption42%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 2/3

    3. Borrowing from a financial institution 1/3

    4. Saving at a financial institution 2/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 2/3

    Close Zambia
  • flagBangladesh
    66%
    89
    83
    78
    39

    flag

    Score: 66%

    Adult Population: 106 Million

    GDP: $173 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment89%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 2/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 2/3

    Mobile Capacity83%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment78%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 1/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 1/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption39%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 2/3

    3. Borrowing from a financial institution 2/3

    4. Saving at a financial institution 1/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 1/3

    Close Bangladesh
  • flagDominican Rep.
    62%
    61
    78
    56
    58

    flag

    Score: 62%

    Adult Population: 7 Million

    GDP: $64 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment61%

    1. National-level participation in international financial inclusion-oriented organizations or networks 1/3

    2. Existence of a national financial inclusion strategy 2/3

    3. Existence of quantifiable financial inclusion targets 1/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 1/3

    6. Existence of a consumer protection framework regarding financial services 3/3

    Mobile Capacity78%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 2/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 1/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment56%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 1/3

    3. E-money regulations 1/3

    4. Mobile money platform interoperability 1/3

    5. Account access and usage 1/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption58%

    1. Formal financial institution account penetration among lower-income adults 3/3

    2. Formal financial institution account penetration among women 3/3

    3. Borrowing from a financial institution 3/3

    4. Saving at a financial institution 3/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 2/3

    Close Dominican Rep.
  • flagMalawi
    61%
    83
    67
    83
    36

    flag

    Score: 61%

    Adult Population: 9 Million

    GDP: $4 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment83%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 1/3

    6. Existence of a consumer protection framework regarding financial services 2/3

    Mobile Capacity67%

    1. Market penetration with respect to unique subscribers 1/3

    2. 3G mobile coverage by population 1/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment83%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 2/3

    5. Account access and usage 1/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption36%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 1/3

    3. Borrowing from a financial institution 1/3

    4. Saving at a financial institution 1/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 2/3

    Close Malawi
  • flagVietnam
    61%
    61
    78
    67
    50

    flag

    Score: 61%

    Adult Population: 64 Million

    GDP: $186 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment61%

    1. National-level participation in international financial inclusion-oriented organizations or networks 1/3

    2. Existence of a national financial inclusion strategy 1/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 3/3

    5. Existence of a dedicated financial inclusion body within the public sector 1/3

    6. Existence of a consumer protection framework regarding financial services 2/3

    Mobile Capacity78%

    1. Market penetration with respect to unique subscribers 3/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 1/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment67%

    1. Agent banking 1/3

    2. Mobile network operator-led mobile financial service deployments 1/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 1/3

    5. Account access and usage 3/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption50%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 2/3

    3. Borrowing from a financial institution 3/3

    4. Saving at a financial institution 2/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 2/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 2/3

    Close Vietnam
  • flagHaiti
    60%
    72
    72
    72
    42

    flag

    Score: 60%

    Adult Population: 7 Million

    GDP: $9 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment72%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 3/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 1/3

    5. Existence of a dedicated financial inclusion body within the public sector 1/3

    6. Existence of a consumer protection framework regarding financial services 2/3

    Mobile Capacity72%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 1/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment72%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 1/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 2/3

    5. Account access and usage 1/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption42%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 1/3

    3. Borrowing from a financial institution 3/3

    4. Saving at a financial institution 1/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 2/3

    Close Haiti
  • flagAfghanistan
    54%
    44
    83
    72
    36

    flag

    Score: 54%

    Adult Population: 17 Million

    GDP: $20 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment44%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 1/3

    3. Existence of quantifiable financial inclusion targets 1/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 1/3

    5. Existence of a dedicated financial inclusion body within the public sector 1/3

    6. Existence of a consumer protection framework regarding financial services 1/3

    Mobile Capacity83%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 3/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment72%

    1. Agent banking 1/3

    2. Mobile network operator-led mobile financial service deployments 3/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 2/3

    5. Account access and usage 1/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption36%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 1/3

    3. Borrowing from a financial institution 1/3

    4. Saving at a financial institution 1/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 2/3

    Close Afghanistan
  • flagEthiopia
    53%
    67
    56
    72
    36

    flag

    Score: 53%

    Adult Population: 55 Million

    GDP: $56 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment67%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 3/3

    3. Existence of quantifiable financial inclusion targets 1/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 1/3

    5. Existence of a dedicated financial inclusion body within the public sector 3/3

    6. Existence of a consumer protection framework regarding financial services 1/3

    Mobile Capacity56%

    1. Market penetration with respect to unique subscribers 1/3

    2. 3G mobile coverage by population 1/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 1/3

    6. Availability of merchant payments via mobile money services 3/3

    Regulatory Environment72%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 1/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 2/3

    5. Account access and usage 1/3

    6. Cash-in/cash-out at agent locations 3/3

    Adoption36%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 1/3

    3. Borrowing from a financial institution 1/3

    4. Saving at a financial institution 2/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 1/3

    Close Ethiopia
  • flagEgypt
    49%
    50
    61
    67
    33

    flag

    Score: 49%

    Adult Population: 56 Million

    GDP: $301 Billion USD

    Click on the arrows by each indicator title to view a detailed indicator scoring guide. Note that certain indicators are scored out of 1 or 3, while others are scored out of 1, 2, or 3. To compare multiple countries’ scores, scroll down and click on another country’s name or dimension score. To learn more about the FDIP scores and view relevant citations, please read the 2016 report.

    Country Commitment50%

    1. National-level participation in international financial inclusion-oriented organizations or networks 3/3

    2. Existence of a national financial inclusion strategy 1/3

    3. Existence of quantifiable financial inclusion targets 1/3

    4. Existence of a recent demand-side financial services survey conducted or supported by a government entity 1/3

    5. Existence of a dedicated financial inclusion body within the public sector 1/3

    6. Existence of a consumer protection framework regarding financial services 2/3

    Mobile Capacity61%

    1. Market penetration with respect to unique subscribers 2/3

    2. 3G mobile coverage by population 3/3

    3. Smartphone adoption 1/3

    4. Availability of bill payments via mobile money services 3/3

    5. Availability of international remittances via mobile money services 1/3

    6. Availability of merchant payments via mobile money services 1/3

    Regulatory Environment67%

    1. Agent banking 3/3

    2. Mobile network operator-led mobile financial service deployments 1/3

    3. E-money regulations 3/3

    4. Mobile money platform interoperability 2/3

    5. Account access and usage 1/3

    6. Cash-in/cash-out at agent locations 2/3

    Adoption33%

    1. Formal financial institution account penetration among lower-income adults 1/3

    2. Formal financial institution account penetration among women 1/3

    3. Borrowing from a financial institution 1/3

    4. Saving at a financial institution 1/3

    5. Debit card use 1/3

    6. Credit card use 1/3

    7. Percentage of adults utilizing online bill payments and purchases 1/3

    8. Mobile money account penetration among lower-income adults 1/3

    9. Mobile money account penetration among women 1/3

    10. Mobile phone used to receive salary or wages (among recent wage-earners) 1/3

    11. Mobile phone used to make utility payments (among adults regularly making utility bill payments) 1/3

    12. Frequency of account usage 1/3

    Close Egypt

Authors

John Villasenor
John Villasenor Nonresident Senior Fellow - Governance Studies, Center for Technology Innovation (CTI)
Darrell West
Darrell M. West Senior Fellow - Governance Studies, Center for Technology Innovation (CTI), Center for Effective Public Management (CEPM), Douglas Dillon Chair in Governmental Studies

Robin Lewis
Robin J. Lewis Associate Fellow and Senior Research Associate - Governance Studies, Anti-Corruption, Democracy, and Security (ACDS) robin-lewis-86803372

The Brookings Institution is committed to quality, independence, and impact.
We are supported by a diverse array of funders. In line with our values and policies, each Brookings publication represents the sole views of its author(s).

More On
Program

Governance Studies