Financial Inclusion & Household Access — National Capability Index

Indicators

The measures seeded for this capability in the framework. They are candidate indicators: no cell in the index has a source document attached to it yet.

account ownership rate
digital payment usage rate
borrowing from formal institutions

Band spread across 197 nations

Frontier 2

Advanced 31

Established 41

Transitional 49

Foundational 47

Nascent 25

Inception 2

All 197 nations

Best first. The score is the mean of the four adjudicators' round-3 integers, rounded to the nearest integer; ±SD is their spread on that cell. Where the spread is three points or more, read the number as a band rather than a value.

#	Nation	Region	Score	Band	Panel SD
1	🇩🇰Denmark	Europe	18	Frontier	±0.43
2	🇸🇪Sweden	Europe	18	Frontier	±0.83
3	🇦🇺Australia	Asia Pacific	17	Advanced	±0.43
4	🇦🇹Austria	Europe	17	Advanced	±0.50
5	🇧🇪Belgium	Europe	17	Advanced	±0.43
6	🇨🇦Canada	Americas	17	Advanced	±0.43
7	🇫🇮Finland	Europe	17	Advanced	±0.71
8	🇯🇵Japan	Asia Pacific	17	Advanced	±0.87
9	🇳🇱Netherlands	Europe	17	Advanced	±0.83
10	🇳🇴Norway	Europe	17	Advanced	±0.43
11	🇸🇬Singapore	Asia Pacific	17	Advanced	±0.43
12	🇰🇷South Korea	Asia Pacific	17	Advanced	±0.83
13	🇨🇭Switzerland	Europe	17	Advanced	±0.83
14	🇬🇧United Kingdom	Europe	17	Advanced	±0.71
15	🇪🇪Estonia	Europe	16	Advanced	±0.71
16	🇫🇷France	Europe	16	Advanced	±0.83
17	🇩🇪Germany	Europe	16	Advanced	±0.83
18	🇮🇸Iceland	Europe	16	Advanced	±0.71
19	🇮🇪Ireland	Europe	16	Advanced	±0.87
20	🇱🇺Luxembourg	Europe	16	Advanced	±0.83
21	🇳🇿New Zealand	Asia Pacific	16	Advanced	±0.43
22	🇹🇼Taiwan	Asia Pacific	16	Advanced	±0.43
23	🇺🇸United States	Americas	16	Advanced	±0.50
24	🇨🇳China	Asia Pacific	15	Advanced	±0.43
25	🇨🇿Czechia	Europe	15	Advanced	±0.00
26	🇮🇱Israel	Middle East	15	Advanced	±0.83
27	🇱🇮Liechtenstein	Europe	15	Advanced	±1.09
28	🇱🇹Lithuania	Europe	15	Advanced	±0.71
29	🇵🇱Poland	Europe	15	Advanced	±0.43
30	🇵🇹Portugal	Europe	15	Advanced	±0.50
31	🇪🇸Spain	Europe	15	Advanced	±0.43
32	🇹🇭Thailand	Asia Pacific	15	Advanced	±0.00
33	🇦🇪United Arab Emirates	Middle East	15	Advanced	±0.43
34	🇦🇩Andorra	Europe	14	Established	±0.43
35	🇧🇭Bahrain	Middle East	14	Established	±0.43
36	🇧🇷Brazil	Americas	14	Established	±0.71
37	🇨🇱Chile	Americas	14	Established	±0.00
38	🇨🇾Cyprus	Middle East	14	Established	±0.43
39	🇭🇺Hungary	Europe	14	Established	±0.50
40	🇮🇳India	Asia Pacific	14	Established	±1.73
41	🇮🇹Italy	Europe	14	Established	±0.83
42	🇰🇪Kenya	Africa	14	Established	±0.87
43	🇱🇻Latvia	Europe	14	Established	±0.71
44	🇲🇾Malaysia	Asia Pacific	14	Established	±0.43
45	🇲🇹Malta	Europe	14	Established	±0.83
46	🇲🇨Monaco	Europe	14	Established	±1.23
47	🇸🇲San Marino	Europe	14	Established	±0.50
48	🇸🇦Saudi Arabia	Middle East	14	Established	±0.43
49	🇸🇰Slovakia	Europe	14	Established	±0.43
50	🇸🇮Slovenia	Europe	14	Established	±0.71
51	🇧🇸Bahamas	Americas	13	Established	±0.50
52	🇧🇧Barbados	Americas	13	Established	±0.50
53	🇧🇬Bulgaria	Europe	13	Established	±0.50
54	🇭🇷Croatia	Europe	13	Established	±0.43
55	🇬🇷Greece	Europe	13	Established	±0.43
56	🇰🇿Kazakhstan	Asia Pacific	13	Established	±0.50
57	🇰🇼Kuwait	Middle East	13	Established	±0.43
58	🇲🇺Mauritius	Africa	13	Established	±0.00
59	🇷🇺Russia	Europe	13	Established	±0.43
60	🇿🇦South Africa	Africa	13	Established	±0.00
61	🇹🇷Türkiye	Middle East	13	Established	±0.43
62	🇺🇾Uruguay	Americas	13	Established	±0.00
63	🇦🇬Antigua & Barbuda	Americas	12	Established	±0.50
64	🇧🇳Brunei	Asia Pacific	12	Established	±0.43
65	🇨🇴Colombia	Americas	12	Established	±0.50
66	🇨🇷Costa Rica	Americas	12	Established	±0.00
67	🇲🇳Mongolia	Asia Pacific	12	Established	±0.50
68	🇴🇲Oman	Middle East	12	Established	±0.43
69	🇶🇦Qatar	Middle East	12	Established	±0.83
70	🇷🇴Romania	Europe	12	Established	±0.43
71	🇷🇸Serbia	Europe	12	Established	±0.43
72	🇸🇨Seychelles	Africa	12	Established	±0.00
73	🇱🇰Sri Lanka	Asia Pacific	12	Established	±0.50
74	🇹🇹Trinidad & Tobago	Americas	12	Established	±0.00
75	🇦🇷Argentina	Americas	11	Transitional	±0.43
76	🇦🇲Armenia	Middle East	11	Transitional	±0.43
77	🇧🇾Belarus	Europe	11	Transitional	±1.09
78	🇬🇪Georgia	Middle East	11	Transitional	±0.00
79	🇬🇭Ghana	Africa	11	Transitional	±0.00
80	🇮🇩Indonesia	Asia Pacific	11	Transitional	±0.50
81	🇲🇻Maldives	Asia Pacific	11	Transitional	±0.00
82	🇲🇽Mexico	Americas	11	Transitional	±0.50
83	🇲🇪Montenegro	Europe	11	Transitional	±0.43
84	🇲🇰North Macedonia	Europe	11	Transitional	±0.00
85	🇵🇦Panama	Americas	11	Transitional	±0.50
86	🇰🇳Saint Kitts & Nevis	Americas	11	Transitional	±0.43
87	🇺🇦Ukraine	Europe	11	Transitional	±0.43
88	🇻🇳Vietnam	Asia Pacific	11	Transitional	±0.43
89	🇦🇱Albania	Europe	10	Transitional	±0.43
90	🇧🇩Bangladesh	Asia Pacific	10	Transitional	±0.00
91	🇧🇿Belize	Americas	10	Transitional	±0.43
92	🇧🇦Bosnia & Herzegovina	Europe	10	Transitional	±0.43
93	🇧🇼Botswana	Africa	10	Transitional	±0.00
94	🇨🇻Cabo Verde	Africa	10	Transitional	±0.50
95	🇩🇲Dominica	Americas	10	Transitional	±0.00
96	🇩🇴Dominican Republic	Americas	10	Transitional	±0.00
97	🇪🇨Ecuador	Americas	10	Transitional	±0.50
98	🇫🇯Fiji	Asia Pacific	10	Transitional	±0.50
99	🇬🇩Grenada	Americas	10	Transitional	±0.43
100	🇮🇷Iran	Asia Pacific	10	Transitional	±0.43
101	🇯🇲Jamaica	Americas	10	Transitional	±0.43
102	🇯🇴Jordan	Middle East	10	Transitional	±0.43
103	🇲🇩Moldova	Europe	10	Transitional	±0.00
104	🇳🇦Namibia	Africa	10	Transitional	±0.43
105	🇵🇪Peru	Americas	10	Transitional	±0.00
106	🇵🇭Philippines	Asia Pacific	10	Transitional	±0.00
107	🇱🇨Saint Lucia	Americas	10	Transitional	±0.43
108	🇻🇨Saint Vincent & Grenadines	Americas	10	Transitional	±0.00
109	🇸🇳Senegal	Africa	10	Transitional	±0.50
110	🇦🇿Azerbaijan	Middle East	9	Transitional	±0.43
111	🇧🇹Bhutan	Asia Pacific	9	Transitional	±0.43
112	🇧🇴Bolivia	Americas	9	Transitional	±0.43
113	🇪🇬Egypt	Africa	9	Transitional	±0.50
114	🇽🇰Kosovo	Europe	9	Transitional	±0.00
115	🇲🇦Morocco	Africa	9	Transitional	±0.00
116	🇳🇬Nigeria	Africa	9	Transitional	±0.50
117	🇵🇾Paraguay	Americas	9	Transitional	±0.00
118	🇷🇼Rwanda	Africa	9	Transitional	±0.00
119	🇸🇷Suriname	Americas	9	Transitional	±0.00
120	🇹🇿Tanzania	Africa	9	Transitional	±0.43
121	🇹🇳Tunisia	Africa	9	Transitional	±0.43
122	🇺🇬Uganda	Africa	9	Transitional	±0.43
123	🇺🇿Uzbekistan	Asia Pacific	9	Transitional	±0.00
124	🇩🇿Algeria	Africa	8	Foundational	±0.43
125	🇧🇯Benin	Africa	8	Foundational	±0.43
126	🇰🇭Cambodia	Asia Pacific	8	Foundational	±0.43
127	🇨🇮Côte d'Ivoire	Africa	8	Foundational	±0.00
128	🇸🇻El Salvador	Americas	8	Foundational	±0.00
129	🇸🇿Eswatini	Africa	8	Foundational	±0.00
130	🇬🇹Guatemala	Americas	8	Foundational	±0.00
131	🇬🇾Guyana	Americas	8	Foundational	±0.00
132	🇰🇬Kyrgyzstan	Asia Pacific	8	Foundational	±0.43
133	🇱🇸Lesotho	Africa	8	Foundational	±0.50
134	🇳🇵Nepal	Asia Pacific	8	Foundational	±0.43
135	🇹🇯Tajikistan	Asia Pacific	8	Foundational	±0.50
136	🇹🇬Togo	Africa	8	Foundational	±0.00
137	🇿🇲Zambia	Africa	8	Foundational	±0.43
138	🇦🇴Angola	Africa	7	Foundational	±0.00
139	🇧🇫Burkina Faso	Africa	7	Foundational	±0.87
140	🇨🇲Cameroon	Africa	7	Foundational	±0.50
141	🇨🇺Cuba	Americas	7	Foundational	±0.43
142	🇪🇹Ethiopia	Africa	7	Foundational	±0.43
143	🇬🇦Gabon	Africa	7	Foundational	±0.71
144	🇭🇳Honduras	Americas	7	Foundational	±0.43
145	🇳🇮Nicaragua	Americas	7	Foundational	±0.00
146	🇵🇰Pakistan	Asia Pacific	7	Foundational	±0.50
147	🇵🇼Palau	Asia Pacific	7	Foundational	±0.43
148	🇼🇸Samoa	Asia Pacific	7	Foundational	±0.43
149	🇹🇴Tonga	Asia Pacific	7	Foundational	±0.00
150	🇿🇼Zimbabwe	Africa	7	Foundational	±0.43
151	🇨🇬Congo	Africa	6	Foundational	±0.50
152	🇬🇲Gambia	Africa	6	Foundational	±0.50
153	🇮🇶Iraq	Middle East	6	Foundational	±0.00
154	🇱🇦Laos	Asia Pacific	6	Foundational	±0.43
155	🇱🇧Lebanon	Middle East	6	Foundational	±0.43
156	🇲🇼Malawi	Africa	6	Foundational	±0.43
157	🇲🇱Mali	Africa	6	Foundational	±0.50
158	🇲🇭Marshall Islands	Asia Pacific	6	Foundational	±0.00
159	🇲🇷Mauritania	Africa	6	Foundational	±0.50
160	🇫🇲Micronesia	Asia Pacific	6	Foundational	±0.50
161	🇲🇿Mozambique	Africa	6	Foundational	±0.43
162	🇲🇲Myanmar	Asia Pacific	6	Foundational	±0.43
163	🇵🇸Palestine	Middle East	6	Foundational	±0.43
164	🇸🇹São Tomé & Príncipe	Africa	6	Foundational	±0.00
165	🇸🇱Sierra Leone	Africa	6	Foundational	±0.50
166	🇸🇧Solomon Islands	Asia Pacific	6	Foundational	±0.00
167	🇸🇴Somalia	Africa	6	Foundational	±0.43
168	🇹🇱Timor-Leste	Asia Pacific	6	Foundational	±0.50
169	🇹🇲Turkmenistan	Asia Pacific	6	Foundational	±0.50
170	🇻🇺Vanuatu	Asia Pacific	6	Foundational	±0.00
171	🇰🇲Comoros	Africa	5	Nascent	±0.50
172	🇩🇯Djibouti	Africa	5	Nascent	±0.00
173	🇨🇩DR Congo	Africa	5	Nascent	±0.50
174	🇬🇶Equatorial Guinea	Africa	5	Nascent	±0.00
175	🇬🇳Guinea	Africa	5	Nascent	±0.43
176	🇰🇮Kiribati	Asia Pacific	5	Nascent	±0.43
177	🇱🇷Liberia	Africa	5	Nascent	±0.43
178	🇱🇾Libya	Africa	5	Nascent	±0.00
179	🇲🇬Madagascar	Africa	5	Nascent	±0.43
180	🇳🇷Nauru	Asia Pacific	5	Nascent	±0.43
181	🇵🇬Papua New Guinea	Asia Pacific	5	Nascent	±0.43
182	🇹🇻Tuvalu	Asia Pacific	5	Nascent	±0.00
183	🇻🇪Venezuela	Americas	5	Nascent	±0.00
184	🇧🇮Burundi	Africa	4	Nascent	±0.00
185	🇹🇩Chad	Africa	4	Nascent	±0.50
186	🇬🇼Guinea-Bissau	Africa	4	Nascent	±0.43
187	🇭🇹Haiti	Americas	4	Nascent	±0.00
188	🇳🇪Niger	Africa	4	Nascent	±0.83
189	🇸🇩Sudan	Africa	4	Nascent	±0.00
190	🇦🇫Afghanistan	Asia Pacific	3	Nascent	±0.43
191	🇨🇫Central African Rep.	Africa	3	Nascent	±0.00
192	🇪🇷Eritrea	Africa	3	Nascent	±0.00
193	🇸🇸South Sudan	Africa	3	Nascent	±0.00
194	🇸🇾Syria	Middle East	3	Nascent	±0.00
195	🇾🇪Yemen	Middle East	3	Nascent	±0.00
196	🇻🇦Holy See	Europe	1	Inception	±0.00
197	🇰🇵North Korea	Asia Pacific	1	Inception	±0.00

Others in Financial System Depth & Access

Capability	World mean	Range	Leader
Banking System Capacity	9.0	1–19	Singapore, United States
Capital Markets Depth & Development	6.7	0–20	United States
Long-Term & Institutional Capital	7.4	0–19	Netherlands, Switzerland, United States
Development & Policy Finance	7.2	1–19	China, Germany