The following data is compiled primarily to give a snapshot of digital financial inclusion, digital economy foundations, and DFS foundations at the country level. The data is derived from publicly available sources which provide a basis for comparability across countries. Sources, indicator descriptions and availability of data points are noted for each indicator. Data updates are expected annually to reflect changes in indicators from source datasets. In many cases, there may be alternate sources available (e.g. country level surveys) which may be utilized to aid specific policy and regulatory reforms.

Link to Thailand case studies

Thailand

population
Population
71.6 million
  • Year: 2021

    Description

    Estimated as % of respondents who do not report having account access extrapolated to the total adult population. This extrapolation assumes representativeness of the sample survey and has margin for error.

    Data availability: 162 countries

    Source
49.0 million
Adult population unbanked (est.)
2.6 million

Year: 2021

Map of Thailand

DIGITAL FINANCIAL INCLUSION

  • Description

    The % of respondents who report having an account (individual or joint) at a bank or another type of financial institution or report personally using a mobile money service in the past year (as an indication of a mobile money account).

    Data availability: 158 countries

    Source
Account Ownership
% of adults (age 15+)
  • Description

    The % of respondents who report having an account (individual or joint) at a bank or another type of financial institution or report personally using a mobile money service in the past year (as an indication of a mobile money account).

    Data availability: 158 countries

    Source
Savings
% of adults who saved at a financial institution or mobile money account in the past year
  • Description

    The % of respondents who report using mobile money, a debit or credit card, or a mobile phone to make a payment from an account (or report using the internet to make a payment) in the past year.

    Data availability: 158 countries

    Source
Digital Payments
% of adults who made or received a digital payment in the past year
  • Description

    The Mobile Money Prevalence Index (MMPI) is a composite index that considers mobile money adoption (adult population and active accounts), activity (registered accounts and active accounts) and accessibility (adult population and active agents) at country level in order to facilitate comparisons between markets.

    Data availability: 88 countries

    Source
Mobile Money Prevalence
  • Description

    Difference in % of urban respondents with account access and rural respondents with account access.

    Data availability: 58 countries

    Source
Urban/Rural Gap in Account Access
  • Description

    Difference in % of richest 60% of population with account access and poorest 40% of population with account access.

    Data availability: 161 countries

    Source
Income Gap in Account Access (Richest 60% and Poorest 40%)
  • Description

    Difference in % of male respondents with account access and female respondents with account access.

    Data availability: 162 countries

    Source
Gender Gap in Account Access
  • Description

    Difference in % of male respondents making/receiving digital payments and female respondents making/receiving digital payments.

    Data availability: 158 countries

    Source
Gender Gap in Digital Payments
  • Description

    Among respondents who received wages, the % of respondents receiving wages directly into accounts.

    Data availability: 155 countries

    Source
% of Wage Recipients Receiving Wages into Accounts
  • Description

    Among respondents who received government transfers, the % of respondents receiving these payments directly into accounts.

    Data availability: 109 countries

    Source
% Government Transfers Received into Accounts
  • Description

    Among respondents who report making utility payments, the % of respondents making these payments directly from a financial institution account or by using a mobile phone.

    Data availability: 157 countries

    Source
% of Utility Bill Paying Adults Paying Through Accounts

DIGITAL ECONOMY FOUNDATIONS

Individuals Using Internet
% of population
Mobile Subscriptions
% of population
  • Description

    Composite of ten indicators measuring diversity, collaboration, research, development, and commercialization of innovation within the economy.

    Data availability: 137 countries

Innovation Capability Score
(0-100)
  • Description

    The Mobile Connectivity Index is a tool which measures the performance of countries against key enablers of mobile internet adoption: infrastructure; affordability; consumer readiness; and content and services. A higher score is associated with a more enabling environment for delivering mobile internet connectivity.

    Data availability: 154 countries

    Source
Mobile Connectivity Index
(0-100)
  • Description

    The data-only mobile-broadband basket (2GB, 3G and above) refers to the cheapest plan providing at least 2GB of high-speed data (≥ 256Kbit/s) over a 30-day (or four weeks) period of time from the operator with the largest market share in each economy.

    Data availability: 158 countries

Cost of 2GB Data-only Mobile-Broadband
% of GNI per capita
1.4
  • Description

    Composite indicator which consists of four pillars that make up fundamental dimensions of network readiness, technology, people, governance, and economic impact.

    Data availability: 133 countries

Network Readiness Index
(0-100)

The following data for DFS foundations is derived primarily from surveys conducted as part of global information gathering exercises. The dataset could benefit from your help in cases where datapoints are not available or do not reflect most current or accurate information. Please send data updates to fintechcoordinationgroup [at] worldbank.org (fintechcoordinationgroup[at]worldbank[dot]org)

DFS FOUNDATIONS (Beta)

Digitally Enabled ID
Yes
No
Electronic Money Regulations
Yes
No

Digitally Enabled ID Year: 2021

Electronic Money Regulations Year: 2021

  • Description

    Innovation Facilitators include Regulator Accelerators, Sandboxes and Innovation Hubs. The indicator identifies which countries have a structured framework, however some countries have multiple facilitators and have not all been listed. If no option is highlighted, data may not be available. Kindly send any data updates with evidence to fintechcoordinationgroup@worldbank.org.

    Data availability: 93 countries

Innovation Facilitators
Innovation Hub
Innovation Hub
Sandbox
Sandbox
Accelerator
Accelerator
Access Points
108.1
ATMs per 100,000 People

Year: 2020/2021

3848.9
Registered Agents per 100,000 People

Year: 2020/2021

Payments Infrastructure
Fast Payments
Fast Payments
Automated Clearing House (ACH)
Automated Clearing House (ACH)
Real Time Gross Settlement (RTGS)
Real Time Gross Settlement (RTGS)
Financial Consumer Protection (FCP) Legal Framework
1
General Consumer Protection Law
2
Specific Financial Consumer Protection Law or Regulation
3
General Consumer Protection Law with Explicit Reference to Financial Services
4
General Competition Law with Specific Reference to Financial Consumer Protection
5
Other
6
No Legal Framework Exists for Financial Consumer Protection
Remote Account Opening (e-KYC) Allowed
Self enrollment
Self Enrollment
Agent led enrollment
Agent led Enrollment
Other
Other
No
No
FCP Supervision Structure
Integrated Single Agency Model
Integrated Single Agency Model
Integrated Multiple Agency Model (Sectoral)
Integrated Multiple Agency Model (Sectoral)
Dedicated Market Conduct Agency Model
Dedicated Market Conduct Agency Model
General Consumer Protection Agency Model which covers FCP
General Consumer Protection Agency Model which covers FCP
Other
Other

COUNTRY EXAMPLES

Innovation Facilitators
Innovation Facilitators
INDICATORSOURCE
Registered Agents per 100,000 People

Number of registered mobile money agent outlets normalized based on population.

ATMs per 100,000 People

Number of ATMs normalized based on population.

Population
Adult population unbanked (est.)

Estimated as % of respondents who do not report having account access extrapolated to the total adult population. This extrapolation assumes representativeness of the sample survey and has margin for error.

Individuals Using Internet

Proportion of individuals who used the Internet in the last three months (preceeding the survey) irrespective of the device used or network (fixed or mobile).

Mobile Subscriptions

Mobile cellular subscriptions per 100 inhabitants.

Mobile Connectivity Index

The Mobile Connectivity Index is a tool which measures the performance of countries against key enablers of mobile internet adoption: infrastructure; affordability; consumer readiness; and content and services. A higher score is associated with a more enabling environment for delivering mobile internet connectivity.

Cost of 2GB Data-only Mobile-Broadband

The data-only mobile-broadband basket (2GB, 3G and above) refers to the cheapest plan providing at least 2GB of high-speed data (≥ 256Kbit/s) over a 30-day (or four weeks) period of time from the operator with the largest market share in each economy.

Innovation Capability Score

Composite of ten indicators measuring diversity, collaboration, research, development, and commercialization of innovation within the economy.

Network Readiness Index

Composite indicator which consists of four pillars that make up fundamental dimensions of network readiness, technology, people, governance, and economic impact.

Digitally Enabled ID

Identifies the existence of digital ID or eID (electronic identification) for individuals that can be used to access services by government. If no option is highlighted, data may not be available. Kindly send any data updates with evidence to fintechcoordinationgroup@worldbank.org.

Remote Account Opening (e-KYC) Allowed

Method of opening an account as reported by relevant responding jurisdictions. If no option is highlighted, data may not be available. Kindly send any data updates with evidence to fintechcoordinationgroup@worldbank.org.

FCP Supervision Structure

Supervision structure as reported by relevant responding jurisdictions. If no option is highlighted, data may not be available. Kindly send any data updates with evidence to fintechcoordinationgroup@worldbank.org.

Financial Consumer Protection (FCP) Legal Framework

Legal framework as reported by relevant responding jurisdictions. If no option is highlighted, data may not be available. Kindly send any data updates with evidence to fintechcoordinationgroup@worldbank.org.

Payments Infrastructure

Type of payments infrastructure available in the country. If no option is highlighted, data may not be available. Kindly send any data updates with evidence to fintechcoordinationgroup@worldbank.org.

Electronic Money Regulations

Regulations governing financial institutions' ability to issue electronic money. If no option is highlighted, data may not be available. Kindly send any data updates with evidence to fintechcoordinationgroup@worldbank.org.

Innovation Facilitators

Innovation Facilitators include Regulator Accelerators, Sandboxes and Innovation Hubs. The indicator identifies which countries have a structured framework, however some countries have multiple facilitators and have not all been listed. If no option is highlighted, data may not be available. Kindly send any data updates with evidence to fintechcoordinationgroup@worldbank.org.

Account Ownership

The % of respondents who report having an account (individual or joint) at a bank or another type of financial institution or report personally using a mobile money service in the past year (as an indication of a mobile money account).

Gender Gap in Account Access

Difference in % of male respondents with account access and female respondents with account access.

Gender Gap in Digital Payments

Difference in % of male respondents making/receiving digital payments and female respondents making/receiving digital payments.

Urban/Rural Gap in Account Access

Difference in % of urban respondents with account access and rural respondents with account access.

Income Gap in Account Access (Richest 60% and Poorest 40%)

Difference in % of richest 60% of population with account access and poorest 40% of population with account access.

Digital Payments

The % of respondents who report using mobile money, a debit or credit card, or a mobile phone to make a payment from an account (or report using the internet to make a payment) in the past year.

Savings

The % of adults who saved at a financial institution or through a mobile money account in the past year.

% Government Transfers Received into Accounts

Among respondents who received government transfers, the % of respondents receiving these payments directly into accounts.

% of Wage Recipients Receiving Wages into Accounts

Among respondents who received wages, the % of respondents receiving wages directly into accounts.

% of Utility Bill Paying Adults Paying Through Accounts

Among respondents who report making utility payments, the % of respondents making these payments directly from a financial institution account or by using a mobile phone.

Mobile Money Prevalence

The Mobile Money Prevalence Index (MMPI) is a composite index that considers mobile money adoption (adult population and active accounts), activity (registered accounts and active accounts) and accessibility (adult population and active agents) at country level in order to facilitate comparisons between markets.