⚠️ Unconfirmedtechnology2021
Share of adults (15+) who made or received a digital payment in the past year
Share of adults (15+) who made or received a digital payment in the past year, from the World Bank Global Findex 2021 database.
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Key Insights
Global Average
52.6%
Median: 47.0%
Countries Covered
167
with available data
Highest
Iceland
99.0%
Lowest
South Sudan
7.0%
Top 5 Countries
1Iceland99.0%
2Norway99.0%
3Denmark98.0%
4Luxembourg98.0%
5Singapore98.0%
By Region
Oceania97.5%(2 countries)
Europe85.3%(32 countries)
North America67.0%(4 countries)
Asia63.8%(23 countries)
South America58.1%(7 countries)
Key Findings
- •Digital payment use is near-universal (often >90%) in many high-income economies with mature card/instant-payment networks.
- •Some countries show high digital payment use despite lower income levels where mobile money ecosystems are widespread (e.g., parts of East Africa).
- •In several low-income and fragile contexts, digital payment use remains low (<20%), indicating reliance on cash and limited payment acceptance infrastructure.
- •Large emerging economies often sit in the middle range, reflecting rapid growth but uneven access and merchant acceptance.
Country Rankings
Top 10 Countries
Bottom 10 Countries
Data Analysis
Value Distribution
How countries are distributed across the value range
Low (5.0%)High (99.0%)
Regional Comparison
Average values by world region (Global avg: 52.6%)
Oceania (2)
Europe (32)
North America (4)
Asia (23)
South America (7)
Africa (9)
Other (90)
About This Statistic
This indicator measures the percentage of adults ages 15+ who reported making or receiving at least one digital payment in the past 12 months—such as using a card, phone, or the internet to pay bills, buy something, send/receive money, or receive wages/government transfers into an account.
It captures how embedded digital finance is in everyday life (commerce, remittances, salaries, and public transfers). High values often reflect widespread account ownership plus usable payment infrastructure (cards/mobile money, POS terminals, interoperable instant-payment rails), while lower values can signal barriers like limited connectivity, cash-dominant retail, or weak acceptance networks.
Full Data
| Rank ↑ | Country ↕ | Value ↕ |
|---|---|---|
| 1 | Iceland | 99.0% |
| 2 | Norway | 99.0% |
| 3 | Denmark | 98.0% |
| 4 | Luxembourg | 98.0% |
| 5 | Singapore | 98.0% |
| 6 | Sweden | 98.0% |
| 7 | Australia | 98.0% |
| 8 | Finland | 97.0% |
| 9 | South Korea | 97.0% |
| 10 | New Zealand | 97.0% |
| 11 | Switzerland | 97.0% |
| 12 | Canada | 96.0% |
| 13 | United Arab Emirates | 96.0% |
| 14 | United Kingdom | 96.0% |
| 15 | Kuwait | 95.0% |
| 16 | Qatar | 95.0% |
| 17 | Netherlands | 94.0% |
| 18 | United States of America | 94.0% |
| 19 | Belgium | 94.0% |
| 20 | Estonia | 92.0% |
| 21 | Germany | 92.0% |
| 22 | Ireland | 92.0% |
| 23 | Japan | 92.0% |
| 24 | Latvia | 92.0% |
| 25 | Lithuania | 91.0% |
| 26 | Bahrain | 91.0% |
| 27 | Cyprus | 90.0% |
| 28 | France | 90.0% |
| 29 | Saudi Arabia | 90.0% |
| 30 | Israel | 88.0% |
| 31 | Rwanda | 88.0% |
| 32 | Slovenia | 87.0% |
| 33 | Czech Republic | 86.0% |
| 34 | Italy | 86.0% |
| 35 | Oman | 86.0% |
| 36 | Spain | 86.0% |
| 37 | Croatia | 85.0% |
| 38 | People's Republic of China | 84.0% |
| 39 | State of Palestine | 84.0% |
| 40 | Algeria | 84.0% |
| 41 | Slovakia | 83.0% |
| 42 | Montenegro | 82.0% |
| 43 | Portugal | 82.0% |
| 44 | Chile | 77.0% |
| 45 | Greece | 76.0% |
| 46 | Poland | 76.0% |
| 47 | Hungary | 75.0% |
| 48 | Bahamas | 74.0% |
| 49 | Kenya | 73.0% |
| 50 | Serbia | 72.0% |
| 51 | Uruguay | 72.0% |
| 52 | Austria | 72.0% |
| 53 | Russian Federation | 69.0% |
| 54 | Thailand | 69.0% |
| 55 | Costa Rica | 68.0% |
| 56 | Belarus | 67.0% |
| 57 | Faroe Islands | 67.0% |
| 58 | Brazil | 67.0% |
| 59 | Islamic Republic of Iran | 66.0% |
| 60 | Türkiye | 65.0% |
| 61 | The Republic of North Macedonia | 64.0% |
| 62 | Benin | 63.0% |
| 63 | Ukraine | 63.0% |
| 64 | Armenia | 63.0% |
| 65 | Kazakhstan | 62.0% |
| 66 | Albania | 62.0% |
| 67 | Georgia | 61.0% |
| 68 | Mauritius | 61.0% |
| 69 | Barbados | 60.0% |
| 70 | Uganda | 59.0% |
| 71 | Cuba | 58.0% |
| 72 | Lebanon | 57.0% |
| 73 | Trinidad and Tobago | 57.0% |
| 74 | Panama | 56.0% |
| 75 | Fiji | 55.0% |
| 76 | Malaysia | 55.0% |
| 77 | Romania | 55.0% |
| 78 | Peru | 54.0% |
| 79 | Philippines | 51.0% |
| 80 | Colombia | 50.0% |
| 81 | Ecuador | 49.0% |
| 82 | Jamaica | 49.0% |
| 83 | Andorra | 48.0% |
| 84 | Ghana | 47.0% |
| 85 | Indonesia | 46.0% |
| 86 | South Africa | 46.0% |
| 87 | Mexico | 45.0% |
| 88 | Kyrgyzstan | 44.0% |
| 89 | Moldova, Republic of | 44.0% |
| 90 | Tunisia | 44.0% |
| 91 | Central African Republic | 43.0% |
| 92 | Belize | 43.0% |
| 93 | Seychelles | 42.0% |
| 94 | Eswatini | 42.0% |
| 95 | United Republic of Tanzania | 42.0% |
| 96 | El Salvador | 40.0% |
| 97 | Jordan | 40.0% |
| 98 | Uzbekistan | 40.0% |
| 99 | Libya | 39.0% |
| 100 | Mongolia | 39.0% |
| 101 | Nigeria | 38.0% |
| 102 | Paraguay | 38.0% |
| 103 | Samoa | 38.0% |
| 104 | Argentina | 38.0% |
| 105 | Bangladesh | 37.0% |
| 106 | Dominican Republic | 36.0% |
| 107 | Bulgaria | 35.0% |
| 108 | India | 35.0% |
| 109 | Malawi | 35.0% |
| 110 | Gabon | 34.0% |
| 111 | Papua New Guinea | 34.0% |
| 112 | Tajikistan | 34.0% |
| 113 | Ethiopia | 33.0% |
| 114 | Guatemala | 33.0% |
| 115 | New Caledonia | 33.0% |
| 116 | Syrian Arab Republic | 33.0% |
| 117 | Venezuela | 33.0% |
| 118 | Sri Lanka | 32.0% |
| 119 | Myanmar | 31.0% |
| 120 | Morocco | 31.0% |
| 121 | Vietnam | 31.0% |
| 122 | Lesotho | 30.0% |
| 123 | Cambodia | 28.0% |
| 124 | Honduras | 28.0% |
| 125 | Nicaragua | 28.0% |
| 126 | Burundi | 27.0% |
| 127 | Comoros | 26.0% |
| 128 | Pakistan | 26.0% |
| 129 | Guyana | 25.0% |
| 130 | Iraq | 25.0% |
| 131 | Nepal | 25.0% |
| 132 | Timor-Leste | 25.0% |
| 133 | Senegal | 24.0% |
| 134 | Country 886 | 24.0% |
| 135 | Zambia | 24.0% |
| 136 | Bosnia and Herzegovina | 24.0% |
| 137 | Namibia | 23.0% |
| 138 | Cameroon | 22.0% |
| 139 | Botswana | 22.0% |
| 140 | Mozambique | 21.0% |
| 141 | Egypt | 21.0% |
| 142 | Mauritania | 20.0% |
| 143 | Togo | 20.0% |
| 144 | Sierra Leone | 19.0% |
| 145 | Zimbabwe | 19.0% |
| 146 | Suriname | 18.0% |
| 147 | Brunei Darussalam | 18.0% |
| 148 | Djibouti | 17.0% |
| 149 | Haiti | 17.0% |
| 150 | Lao People's Democratic Republic | 17.0% |
| 151 | Mali | 17.0% |
| 152 | Republic of the Congo | 16.0% |
| 153 | Guinea | 16.0% |
| 154 | Burkina Faso | 16.0% |
| 155 | Angola | 15.0% |
| 156 | Madagascar | 14.0% |
| 157 | Chad | 13.0% |
| 158 | Eritrea | 13.0% |
| 159 | Liberia | 13.0% |
| 160 | Sudan | 13.0% |
| 161 | Republic of The Gambia | 12.0% |
| 162 | Niger | 12.0% |
| 163 | Democratic Republic of the Congo | 11.0% |
| 164 | Cape Verde | 9.0% |
| 165 | Somalia | 9.0% |
| 166 | Solomon Islands | 8.0% |
| 167 | South Sudan | 7.0% |
Showing 167 of 167 countries
Topics
Data Source
This data comes from World Bank (2021).
View Original Source