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The Global Findex Database 2014: Measuring Financial Inclusion around the World

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dc.contributor.authorSinger, Dorothe
dc.contributor.authorDemirguc-Kunt, Asli
dc.contributor.authorVan Oudheusden, Peter
dc.contributor.authorKlapper, Leora
dc.date.accessioned2015-05-07T21:46:13Z
dc.date.available2015-05-07T21:46:13Z
dc.date.issued2015-04
dc.description.abstractThe Global Financial Inclusion (Global Findex) database, launched by the World Bank in 2011, provides comparable indicators showing how people around the world save, borrow, make payments, and manage risk. The 2014 edition of the database reveals that 62 percent of adults worldwide have an account at a bank or another type of financial institution or with a mobile money provider. Between 2011 and 2014, 700 million adults became account holders while the number of those without an account—the unbanked—dropped by 20 percent to 2 billion. What drove this increase in account ownership? A growth in account penetration of 13 percentage points in developing economies and innovations in technology—particularly mobile money, which is helping to rapidly expand access to financial services in Sub-Saharan Africa. Along with these gains, the data also show that big opportunities remain to increase financial inclusion, especially among women and poor people. Governments and the private sector can play a pivotal role by shifting the payment of wages and government transfers from cash into accounts. There are also large opportunities to spur greater use of accounts, allowing those who already have one to benefit more fully from financial inclusion. In developing economies 1.3 billion adults with an account pay utility bills in cash, and more than half a billion pay school fees in cash. Digitizing payments like these would enable account holders to make the payments in a way that is easier, more affordable, and more secure.en
dc.identifierhttp://documents.worldbank.org/curated/en/2015/04/24368699/global-findex-database-2014-measuring-financial-inclusion-around-world
dc.identifier.doi10.1596/1813-9450-7255
dc.identifier.urihttps://hdl.handle.net/10986/21865
dc.languageEnglish
dc.language.isoen_US
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesPolicy Research Working Paper;No. 7255
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectEMPOWERMENT
dc.subjectFINANCIAL SERVICES
dc.subjectECONOMIC GROWTH
dc.subjectENTERPRISE DEVELOPMENT
dc.subjectDEPOSITS
dc.subjectRISK OF FRAUD
dc.subjectMONEY LAUNDERING
dc.subjectMERCHANTS
dc.subjectFINANCING
dc.subjectACCOUNT OWNERSHIP
dc.subjectFINANCIAL ASSISTANCE
dc.subjectLOANS FROM FAMILY
dc.subjectSAVINGS ACCOUNTS
dc.subjectREMITTANCE
dc.subjectAVAILABILITY OF CREDIT
dc.subjectBANKING SERVICES
dc.subjectENTREPRENEURS
dc.subjectDISCRIMINATION
dc.subjectLOAN SHARK
dc.subjectCOOP
dc.subjectMONEY TRANSFER
dc.subjectLOAN
dc.subjectFEE
dc.subjectBORROWERS
dc.subjectSAVINGS PRODUCT
dc.subjectCREDIT CARD
dc.subjectHOUSEHOLD ACCESS
dc.subjectPAYMENTS
dc.subjectBANKRUPTCY
dc.subjectPAYMENTS INFRASTRUCTURE
dc.subjectPRIVATE LENDER
dc.subjectRURAL BANKS
dc.subjectEXPATRIATES
dc.subjectECONOMIC ACTIVITY
dc.subjectAFFORDABLE PRICES
dc.subjectGENDER GAP
dc.subjectACCESS TO ACCOUNTS
dc.subjectDISCRIMINATION AGAINST WOMEN
dc.subjectHOUSING FINANCE
dc.subjectFINANCIAL INSTITUTION
dc.subjectCOMMERCIAL BANK
dc.subjectFINANCIAL SERVICE PROVIDER
dc.subjectPHONE PENETRATION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectPAYMENT
dc.subjectDEBT
dc.subjectSOURCE OF FUNDS
dc.subjectMICRO- ENTERPRISE
dc.subjectFARMERS
dc.subjectELECTRONIC PAYMENTS
dc.subjectPOOR CREDIT
dc.subjectTERM CREDIT
dc.subjectBANKS
dc.subjectFORMAL FINANCIAL INSTITUTION
dc.subjectSAVINGS RATES
dc.subjectAFFORDABILITY
dc.subjectCAPITAL
dc.subjectINSTALLMENT
dc.subjectLACK OF ACCESS
dc.subjectOVERDRAFT
dc.subjectBANK FAILURES
dc.subjectACCESS TO FINANCE
dc.subjectFINANCIAL EXCLUSION
dc.subjectCASH PAYMENTS
dc.subjectGENDER
dc.subjectPRIVATE LENDERS
dc.subjectBANK
dc.subjectSMALLHOLDER
dc.subjectHOUSEHOLD
dc.subjectFINANCIAL ACCOUNT
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectSMALLHOLDER FARMERS
dc.subjectCASH MANAGEMENT
dc.subjectSAVINGS PRODUCTS
dc.subjectINFORMAL LENDER
dc.subjectPAYMENT OF WAGES
dc.subjectSECURITIES
dc.subjectMICROFINANCE
dc.subjectECONOMIC DEVELOPMENT
dc.subjectEMPLOYER
dc.subjectHOUSEHOLDS
dc.subjectACCESS TO SERVICES
dc.subjectFINANCIAL SUPPORT
dc.subjectGREATER ACCESS
dc.subjectPOINT-OF-SALE TERMINALS
dc.subjectFEES
dc.subjectREMITTANCES
dc.subjectACCOUNT HOLDER
dc.subjectPOINT-OF-SALE
dc.subjectHOUSEHOLD DEBT
dc.subjectCOOPERATIVE
dc.subjectDEVELOPMENT BANK
dc.subjectACCOUNT HOLDERS
dc.subjectINCOME GROUPS
dc.subjectEMPLOYEES
dc.subjectMICROFINANCE INSTITUTION
dc.subjectBUSINESS OWNERS
dc.subjectDEPOSIT
dc.subjectELECTRONIC TRANSFERS
dc.subjectCREDIT CARDS
dc.subjectATM CARDS
dc.subjectPEOPLE
dc.subjectOUTSTANDING LOAN
dc.subjectFORMAL SAVING
dc.subjectPROPERTY RIGHTS
dc.subjectINCOME GROUP
dc.subjectBANK ACCOUNT
dc.subjectEXCLUSION
dc.subjectMORTGAGE
dc.subjectDIRECT DEPOSIT
dc.subjectSUBSIDY
dc.subjectSAVING
dc.subjectCULTURAL NORMS
dc.subjectINTERNATIONAL BANK
dc.subjectCASH WITHDRAWALS
dc.subjectLENDER
dc.subjectPAWN SHOPS
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectANTI-MONEY LAUNDERING
dc.subjectBENEFIT PAYMENTS
dc.subjectMORTGAGES
dc.subjectSAVINGS
dc.subjectSOURCE OF CREDIT
dc.subjectECONOMIC CRISES
dc.subjectUNION
dc.subjectHOUSEHOLD INCOME
dc.subjectINFORMAL SAVING
dc.subjectFINANCIAL PRODUCTS
dc.subjectLENDERS
dc.subjectSOCIAL SECURITY
dc.subjectLOANS
dc.subjectFINANCIAL SYSTEM
dc.subjectINFORMAL LOANS
dc.subjectREGULAR PAYMENTS
dc.subjectDEBIT CARDS
dc.subjectREAL ESTATE
dc.subjectFINANCE
dc.subjectPAWN
dc.subjectFIRST ACCOUNT
dc.subjectGOVERNMENT SECURITIES
dc.subjectUNEMPLOYMENT
dc.subjectEQUITY
dc.subjectCREDIT DECISIONS
dc.subjectPAYDAY LENDER
dc.subjectECONOMIC DIFFICULTIES
dc.subjectBANKING CRISIS
dc.subjectFAMILY
dc.subjectCREDIT ACCESS
dc.subjectSAVINGS RATE
dc.subjectCREDIT
dc.subjectFORMAL FINANCIAL SERVICES
dc.subjectSAVINGS MECHANISM
dc.subjectDOCUMENTATION REQUIREMENTS
dc.subjectEMPLOYMENT STATUS
dc.subjectELECTRONIC DEPOSITS
dc.subjectEXCLUSIONS
dc.subjectENTERPRISE
dc.subjectINFORMAL SAVINGS
dc.subjectPROPERTY
dc.subjectFINANCIAL ACCESS
dc.subjectVOUCHERS
dc.subjectTRANSACTION COSTS
dc.subjectFINANCIAL SERVICE
dc.subjectCREDIT UNION
dc.subjectBANK ACCOUNTS
dc.subjectFORMAL SAVINGS
dc.subjectACCESS TO CREDIT
dc.subjectAGRICULTURAL PRODUCTS
dc.subjectPAWN SHOP
dc.subjectCREDIT ASSOCIATION
dc.subjectSOCIAL BANKING
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectSECURITY
dc.subjectBANK BRANCH
dc.subjectINVESTMENT
dc.subjectCOLLATERAL
dc.subjectFINANCIAL MARKETS
dc.subjectMICRO- ENTERPRISE DEVELOPMENT
dc.subjectREGULAR PAYMENT
dc.subjectBORROWING
dc.subjectINVESTMENTS
dc.subjectINFORMAL LENDERS
dc.subjectDEBIT CARD
dc.subjectACCOUNT OWNERS
dc.subjectCASH DEPOSITS
dc.subjectWOMEN
dc.subjectPUBLIC BANKS
dc.subjectBANKING CRISES
dc.subjectBANK BRANCHES
dc.subjectFORMAL CREDIT
dc.subjectMORTGAGE MARKET
dc.subjectGUARANTEE
dc.subjectMEDICAL EXPENSES
dc.subjectINEQUALITY
dc.titleThe Global Findex Database 2014en
dc.title.subtitleMeasuring Financial Inclusion around the Worlden
dc.typeWorking Paperen
dc.typeDocument de travailfr
dc.typeDocumento de trabajoes
dspace.entity.typePublication
okr.crossref.titleThe Global Findex Database 2014: Measuring Financial Inclusion around the World
okr.date.disclosure2015-04-15
okr.date.doiregistration2025-04-10T09:58:46.185744Z
okr.doctypePublications & Research
okr.doctypePublications & Research::Policy Research Working Paper
okr.docurlhttp://documents.worldbank.org/curated/en/2015/04/24368699/global-findex-database-2014-measuring-financial-inclusion-around-world
okr.globalpracticeFinance and Markets
okr.guid187761468179367706
okr.identifier.doi10.1596/1813-9450-7255
okr.identifier.externaldocumentum090224b08315413c_2_0
okr.identifier.internaldocumentum24368699
okr.identifier.reportWPS7255
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2015/04/15/090224b082dca3aa_1_0/Rendered/PDF/The0Global0Fin0ion0around0the0world.pdfen
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicPrivate Sector Development::E-Business
okr.topicPrivate Sector Development::Competitiveness and Competition Policy
okr.topicEconomic Theory Research
okr.topicPrivate Sector Development::Business in Development
okr.unitFinance and Private Sector Development Team, Development Research Group
relation.isAuthorOfPublication234a20c0-893c-561a-8c90-6f5be5be5b9b
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relation.isAuthorOfPublication.latestForDiscoverye0a9502f-8574-53b5-bf27-732f5a6026e2
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
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