The 2016 Brookings Financial and Digital Inclusion Project Report

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 FDIPComments@brookings.edu.

Kenya

84%

89

83

94

78
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
Colombia

79%

100

94

89

56
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
Brazil

78%

89

83

83

67
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
South Africa

78%

83

94

67

72
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
Uganda

78%

100

78

94

58
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
Philippines

76%

100

94

100

42
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
Rwanda

76%

94

83

100

50
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
Chile

74%

89

72

61

75
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
Mexico

74%

94

83

78

58
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
Nigeria

72%

94

78

83

53
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
Turkey

72%

89

78

67

64
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
India

71%

100

72

94

44
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
Indonesia

71%

72

94

94

47
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
Pakistan

69%

100

83

89

36
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
Peru

69%

100

56

100

44
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
El Salvador

68%

72

89

83

47
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
Tanzania

68%

94

72

89

42
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
Zambia

67%

94

78

78

42
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
Bangladesh

66%

89

83

78

39
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
Dominican Rep.

62%

61

78

56

58
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.
Malawi

61%

83

67

83

36
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
Vietnam

61%

61

78

67

50
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
Haiti

60%

72

72

72

42
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
Afghanistan

54%

44

83

72

36
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
Ethiopia

53%

67

56

72

36
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
Egypt

49%

50

61

67

33
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