Financial Inclusion & Behavior Data
See who saves, borrows, and pays digitally.
By spending power, age and gender, across 190+ countries - today through 2036.
45
Indicators
190+
Countries
2x
A YEAR, UPDATED
2036
Forecast horizon
The solution
Size markets, target interventions, and plan with confidence.
WDL's financial inclusion data gives organizations in financial services, fintech, and development finance the first forward-looking view of financial inclusion disaggregated by consumer spending class.
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.
Segmented
Every indicator broken down by spending power, age, and gender. Not just how many adults have a mobile wallet - how many Consumer Class adults aged 30 to 45 do. That's the difference between a statistic and a market size.
Forward
Every indicator 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.
Insight library
Live numbers from the forecast
All figures from WDL's Financial Inclusion & Behavior Data forecast, July 2026 model run. Pick an audience; the insights cycle automatically.
The headline numbers
67% vs 25%
The digital payments era is not card-led
Worldwide in 2026, 67% of adults pay by phone; only 25% hold a credit card. By 2036: 76% vs 27%.
Source: World Data Lab - Global Financial Inclusion & Behavior Data · worlddatalab.com
About the data
WDL's Financial Inclusion & Behavior Data is built on the World Bank Global Findex Database, enhanced with WDL's proprietary gap-filling, nowcasting, and forecasting models, and disaggregated by WDL's spending group classification (2021 PPP daily spending thresholds). It covers 45 indicators of financial access and behaviour across 190+ countries, 2024-2036, updated twice a year.
Built for
Who it's for
Financial services & banking
Chief Strategy Officers and market intelligence analysts deciding which markets to enter and which consumer segments hold the highest-value opportunity. Get 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. Get mobile money penetration, digital payment adoption, smartphone ownership and internet usage by spending group - 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. Get gender and spending group disaggregation for programme targeting, plus forecasts to assess trajectory against your goals.
What you'll see
Three signals, right now
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.
124M
Smartphone owners not yet paying digitally
They've cleared the infrastructure barrier but not the product barrier - the lowest-acquisition-cost expansion pool anywhere. The widest gap is in MENA, at 63 million people.
82% vs 57%
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.
Request a sample
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.
- • 45 indicators across 9 themes
- • 190+ countries, 2024-2036
- • Disaggregated by spending group, age and gender
FAQ
Questions, answered
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 Financial Inclusion 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.
Surveys arrive in fragments - some countries, some years, no consistent segments and nothing about what comes next. We deliver one continuous, comparable, segmented series every year from 2024 to 2036.
Plan on the data that reflects who's actually paying, saving and borrowing
Financial Inclusion & Behavior Data - one comparable series across 190+ countries, segmented and projected to 2036.