Financial Inclusion and Behavior Data

Financial Inclusion and Behavior Data

See who saves, borrows, and pays digitally

By spending power, age, and gender, in 190+ countries, today through 2036.

Worldwide in 2026, 67% of adults pay by phone. Only 25% hold a credit card. The digital payments era is not card-led.

THE SOLUTION

One model. Every country. Every year. Forward-looking.

Global Map with Data Points for Coverage

Complete

One continuous, comparable series for all 190+ countries, every year from 2024 to 2036. Gap-filled where surveys are missing, so there's no patchwork to reconcile.

Prognosediagramm mit Trendlinien 2036

Segmented

Every indicator broken down by spending power, age, and gender. Not just how many people in a country have a mobile wallet, but how many Consumer Class adults aged 30 to 45 do. That's the difference between a statistic and a market size.

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Forward

Every indicator is nowcast to today and forecast to 2036. Market entry, product roadmaps, and programme targeting all depend on data about the future, not just the past.

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45

Indicators

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190+

Countries

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2024-2036

By spending group, age, and gender

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Financial inclusion data was never built for planning

Survey-based inclusion data arrives in fragments: some countries, some years, no consistent segments, and nothing about what comes next. A survey from three years ago in one country and last year in another doesn't tell you where a market is heading, let alone which consumers inside it matter most to your business.

Teams making market-entry, product, or programme decisions end up working from a patchwork: old numbers, national averages that hide the segment that actually matters, and no view past today.

Findex Data Insights for Financial Inclusion and Market Strategy

Built for the questions each team is actually asking

Financial services & banking Chief Strategy Officers and market intelligence analysts deciding which markets to enter and which consumer segments hold the highest-value opportunity. Findex gives you banked vs. unbanked populations by segment, credit penetration, and forecasts built for 3 to 5 year planning cycles.

Fintech & payments VPs of expansion and growth analysts prioritising which emerging markets to launch next. Findex gives you mobile money penetration, digital payment adoption, smartphone ownership, and internet usage by spending group, so you can score market readiness before you commit resources.

Development finance & NGOs Research directors and analysts measuring progress against financial inclusion targets and identifying the most underserved populations. Findex gives you gender and spending group disaggregation for programme targeting, plus forecasts to assess trajectory against your targets.

 

Why it Matters

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Nearly 3 in 4 lower-middle consumers already pay digitally

Lower-middle consumers (US$13–45/day) have largely crossed the digital payments threshold. The mass market isn't a future opportunity: it's live now.

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124 million smartphone owners aren't yet paying digitally

They've cleared the infrastructure barrier but not the product barrier, making this the lowest-acquisition-cost expansion pool anywhere. The widest gap is in MENA, at 63 million people.

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MENA is online but not paying online

82% of adults use the internet; only 57% pay digitally, the widest such gap of any region. In Sub-Saharan Africa the pattern flips: payments outrun internet use via USSD mobile money.

 

FAQs

45 indicators across 9 themes: account ownership, payment instruments, digital payments, savings behaviour, borrowing behaviour, financial resilience, financial health horizon, government support, and digital access. Coverage spans 190+ countries from 2024 to 2036.

The World Bank Global Findex Database, enhanced with WDL's proprietary gap-filling, nowcasting, and forecasting models, and disaggregated using WDL's spending group classification (2021 PPP daily spending thresholds).

Country and region level, broken down by spending group, age group, and gender. There is no sub-national or city-level data.

Global Findex Insights on Financial Behavior Trends 202420361

See your market, segmented and forecast to 2036

Request a sample of the Financial Inclusion & Behavior Data file, or talk to the team about what it can do for your market sizing, targeting, or planning cycle.