全球金融包容性指数2025

The GlobalFindex Database 2025This book, along with any associated content or subsequent updates,can be accessed athttps://hdl.handle.net/10986/43438. https://reproducibility.worldbank.orgA reproducibility package is available for thisbook in the Reproducible Research Repository athttps://reproducibility.worldbank.org/catalog/299.Scan to go to this publication online. The GlobalFindex Database 2025Connectivity and Financial Inclusionin the Digital EconomyLeora KlapperDorothe SingerLaura StaritaAlexandra Norris © 2025 International Bank for Reconstruction and Development / The World Bank1818 H Street NW, Washington, DC 20433Telephone: 202-473-1000; internet:www.worldbank.orgSome rights reserved1 2 3 4 28 27 26 25This work is a product of the staff of The World Bank with external contributions. The findings, interpretations,and conclusions expressed in this work do not necessarily reflect the views of The World Bank, its Board ofExecutive Directors, or the governments they represent.The World Bank does not guarantee the accuracy, completeness, or currency of the data included in this workand does not assume responsibility for any errors, omissions, or discrepancies in the information, or liabilitywith respect to the use of or failure to use the information, methods, processes, or conclusions set forth.The boundaries, colors, denominations, links/footnotes, and other information shown in this work do not implyany judgment on the part of The World Bank concerning the legal status of any territory or the endorsementor acceptance of such boundaries. The citation of works authored by others does not mean The World Bankendorses the views expressed by those authors or the content of their works.Nothing herein shall constitute or be construed or considered to be a limitation upon or waiver of the privilegesand immunities of The World Bank, all of which are specifically reserved.Rights and PermissionsThis work is available under the Creative Commons Attribution 3.0 IGO license (CC BY 3.0 IGO)http://creativecommons.org/licenses/by/3.0/igo. Under the Creative Commons Attribution license, you arefree to copy, distribute, transmit, and adapt this work, including for commercial purposes, under the followingconditions:Attribution—Please cite the work as follows: Klapper, Leora, Dorothe Singer, Laura Starita, and AlexandraNorris. 2025.The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy.Washington, DC: World Bank. doi:10.1596/978-1-4648-2204-9. License: Creative Commons AttributionCC BY 3.0 IGOTranslations—If you create a translation of this work, please add the following disclaimer along with theattribution:This translation was not created by The World Bank and should not be considered an officialWorld Bank translation. The World Bank shall not be liable for any content or error in this translation.Adaptations—If you create an adaptation of this work, please add the following disclaimer along withthe attribution:This is an adaptation of an original work by The World Bank. Views and opinions expressedin the adaptation are the sole responsibility of the author or authors of the adaptation and are not endorsed byThe World Bank.Third-party content—The World Bank does not necessarily own each component of the content containedwithin the work. The World Bank therefore does not warrant that the use of any third-party-owned individualcomponent or part contained in the work will not infringe on the rights of those third parties. The risk of claimsresulting from such infringement rests solely with you. If you wish to re-use a component of the work, it is yourresponsibility to determine whether permission is needed for that re-use and to obtain permission from thecopyright owner. Examples of components can include, but are not limited to, tables, figures, or images.All queries on rights and licenses should be addressed to World Bank Publications, The World Bank,1818 H Street NW, Washington, DC 20433, USA; e-mail:pubrights@worldbank.org.ISBN (paper): 978-1-4648-2204-9ISBN (electronic): 978-1-4648-2261-2DOI: 10.1596/978-1-4648-2204-9Cover design: Susanna Roesel, Unleash CreativeLibrary of Congress Control Number: 2025940599 ContentsAcknowledgmentsAbout the Global Findex DatabaseExecutive summaryIntroductionSection 1Digital connectivity1.1Mobile phone ownership1.2Internet use1.3Digital safety and responsible useReferencesSpotlight 1.1:Identification, digital connectivity, and financial inclusionSection 2Financial access2.1Account ownership2.2Expanding access to financial accountsReferencesSection 3Financial use3.1Saving3.2Borrowing3.3PaymentsReferencesSpotlight 3.1:Account usage and inactivity xvxixxxi159355563697781103121127131149163193197 v 2052092232372482512652672951283105133151167211226xxiixxiiixxv The Global Findex Database 2025Section 4Financial health4.1Managing financial worrying4.2Financial resilience4.3Gaps in financial capabilities and confidenceReferencesSpotlight 4.1:Natural d