⚠️ Unconfirmedtechnology2021
Share of adults who used the internet to pay bills or buy something online in the past 12 months (% ages 15+)
Percent of adults (15+) who paid bills or bought something online using the internet in the past year, based on Global Findex 2021 survey data.
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Key Insights
Global Average
40.3%
Median: 30.0%
Countries Covered
166
with available data
Highest
Denmark
95.0%
Lowest
Eritrea
1.0%
Top 5 Countries
1Denmark95.0%
2Finland94.0%
3Sweden94.0%
4Iceland93.0%
5Norway93.0%
By Region
Oceania87.5%(2 countries)
Europe78.0%(32 countries)
North America58.5%(4 countries)
South America54.9%(7 countries)
Asia50.6%(25 countries)
Key Findings
- •Digital transaction behavior varies enormously, from low single digits in some low-income countries to above 90% in several high-income economies.
- •Nordic and Western European countries are among the highest adopters, reflecting high trust, broadband access, and ubiquitous digital payment rails.
- •Large middle-income countries show wide dispersion (e.g., higher in China than in India), highlighting differences in platform ecosystems and payment infrastructure.
- •Even where internet access is growing, online payment behavior can lag due to affordability, merchant acceptance, and consumer trust constraints.
Country Rankings
Top 10 Countries
Bottom 10 Countries
Data Analysis
Value Distribution
How countries are distributed across the value range
Low (1.0%)High (95.0%)
Regional Comparison
Average values by world region (Global avg: 40.3%)
Oceania (2)
Europe (32)
North America (4)
South America (7)
Asia (25)
Africa (9)
Other (87)
About This Statistic
This statistic measures the share of adults (ages 15+) who report using the internet to pay bills or to buy something online during the past 12 months. It captures a practical, behavior-based dimension of digitalization—how often people actually complete online transactions, not just whether they have internet access.
The measure comes from the World Bank’s Global Findex Database (2021 edition), a large, nationally representative survey. It is useful for comparing digital commerce adoption across countries and highlighting gaps driven by infrastructure, affordability, trust, payment systems, and regulation.
Full Data
| Rank ↑ | Country ↕ | Value ↕ |
|---|---|---|
| 1 | Denmark | 95.0% |
| 2 | Finland | 94.0% |
| 3 | Sweden | 94.0% |
| 4 | Iceland | 93.0% |
| 5 | Norway | 93.0% |
| 6 | Netherlands | 92.0% |
| 7 | Singapore | 92.0% |
| 8 | Switzerland | 92.0% |
| 9 | South Korea | 91.0% |
| 10 | Japan | 90.0% |
| 11 | Germany | 89.0% |
| 12 | New Zealand | 89.0% |
| 13 | United Arab Emirates | 89.0% |
| 14 | United Kingdom | 89.0% |
| 15 | Canada | 88.0% |
| 16 | Luxembourg | 88.0% |
| 17 | Qatar | 88.0% |
| 18 | People's Republic of China | 87.0% |
| 19 | Cyprus | 86.0% |
| 20 | Australia | 86.0% |
| 21 | Estonia | 85.0% |
| 22 | Israel | 85.0% |
| 23 | Argentina | 85.0% |
| 24 | Kuwait | 84.0% |
| 25 | United States of America | 84.0% |
| 26 | Ireland | 83.0% |
| 27 | Bahrain | 83.0% |
| 28 | France | 82.0% |
| 29 | Belgium | 82.0% |
| 30 | Lithuania | 80.0% |
| 31 | Spain | 80.0% |
| 32 | Saudi Arabia | 79.0% |
| 33 | Latvia | 78.0% |
| 34 | Slovakia | 78.0% |
| 35 | Poland | 77.0% |
| 36 | Algeria | 77.0% |
| 37 | Czech Republic | 76.0% |
| 38 | Slovenia | 76.0% |
| 39 | Bahamas | 76.0% |
| 40 | Italy | 75.0% |
| 41 | Hungary | 74.0% |
| 42 | Greece | 72.0% |
| 43 | Russian Federation | 72.0% |
| 44 | Oman | 71.0% |
| 45 | Chile | 70.0% |
| 46 | Portugal | 70.0% |
| 47 | Armenia | 70.0% |
| 48 | Croatia | 68.0% |
| 49 | Barbados | 65.0% |
| 50 | Montenegro | 64.0% |
| 51 | Georgia | 63.0% |
| 52 | Malaysia | 63.0% |
| 53 | Uruguay | 63.0% |
| 54 | Lebanon | 62.0% |
| 55 | Belarus | 61.0% |
| 56 | Kazakhstan | 61.0% |
| 57 | Bulgaria | 59.0% |
| 58 | Türkiye | 58.0% |
| 59 | Serbia | 56.0% |
| 60 | Bosnia and Herzegovina | 55.0% |
| 61 | Brazil | 55.0% |
| 62 | Mauritius | 54.0% |
| 63 | Thailand | 52.0% |
| 64 | Ukraine | 52.0% |
| 65 | Moldova, Republic of | 48.0% |
| 66 | The Republic of North Macedonia | 47.0% |
| 67 | Costa Rica | 46.0% |
| 68 | Romania | 46.0% |
| 69 | South Africa | 46.0% |
| 70 | Colombia | 43.0% |
| 71 | Mongolia | 41.0% |
| 72 | Trinidad and Tobago | 41.0% |
| 73 | Austria | 41.0% |
| 74 | Mexico | 39.0% |
| 75 | Peru | 38.0% |
| 76 | Faroe Islands | 35.0% |
| 77 | Islamic Republic of Iran | 35.0% |
| 78 | Jordan | 35.0% |
| 79 | Panama | 35.0% |
| 80 | Fiji | 32.0% |
| 81 | Tunisia | 32.0% |
| 82 | Ecuador | 30.0% |
| 83 | Morocco | 30.0% |
| 84 | Paraguay | 30.0% |
| 85 | Libya | 28.0% |
| 86 | Belize | 28.0% |
| 87 | Kyrgyzstan | 27.0% |
| 88 | Dominican Republic | 26.0% |
| 89 | India | 26.0% |
| 90 | Indonesia | 25.0% |
| 91 | Malta | 25.0% |
| 92 | Vietnam | 25.0% |
| 93 | Egypt | 25.0% |
| 94 | Philippines | 24.0% |
| 95 | Guatemala | 23.0% |
| 96 | El Salvador | 22.0% |
| 97 | Ghana | 22.0% |
| 98 | Suriname | 22.0% |
| 99 | Solomon Islands | 22.0% |
| 100 | Jamaica | 21.0% |
| 101 | Nigeria | 21.0% |
| 102 | Bolivia | 21.0% |
| 103 | Cuba | 20.0% |
| 104 | Honduras | 20.0% |
| 105 | Sri Lanka | 18.0% |
| 106 | Namibia | 18.0% |
| 107 | New Caledonia | 18.0% |
| 108 | Nicaragua | 18.0% |
| 109 | Uzbekistan | 18.0% |
| 110 | Venezuela | 18.0% |
| 111 | Tajikistan | 17.0% |
| 112 | Iraq | 16.0% |
| 113 | Kenya | 15.0% |
| 114 | Nepal | 15.0% |
| 115 | Pakistan | 15.0% |
| 116 | Cote d'Ivoire | 14.0% |
| 117 | Central African Republic | 12.0% |
| 118 | Lesotho | 12.0% |
| 119 | Zimbabwe | 12.0% |
| 120 | Bangladesh | 12.0% |
| 121 | Bermuda | 12.0% |
| 122 | Mali | 11.0% |
| 123 | Burkina Faso | 10.0% |
| 124 | Bhutan | 10.0% |
| 125 | Botswana | 10.0% |
| 126 | Cambodia | 9.0% |
| 127 | Guinea | 9.0% |
| 128 | Senegal | 9.0% |
| 129 | Antigua and Barbuda | 9.0% |
| 130 | Myanmar | 8.0% |
| 131 | Republic of The Gambia | 8.0% |
| 132 | Lao People's Democratic Republic | 8.0% |
| 133 | Papua New Guinea | 8.0% |
| 134 | Uganda | 8.0% |
| 135 | United Republic of Tanzania | 8.0% |
| 136 | Afghanistan | 8.0% |
| 137 | Cameroon | 7.0% |
| 138 | Benin | 7.0% |
| 139 | Madagascar | 7.0% |
| 140 | Mauritania | 7.0% |
| 141 | Rwanda | 7.0% |
| 142 | Sierra Leone | 7.0% |
| 143 | Albania | 7.0% |
| 144 | Cape Verde | 6.0% |
| 145 | Djibouti | 6.0% |
| 146 | Haiti | 6.0% |
| 147 | Sudan | 6.0% |
| 148 | Zambia | 6.0% |
| 149 | Andorra | 6.0% |
| 150 | Brunei Darussalam | 6.0% |
| 151 | Gabon | 5.0% |
| 152 | Burundi | 4.0% |
| 153 | Cayman Islands | 4.0% |
| 154 | Ethiopia | 4.0% |
| 155 | Malawi | 4.0% |
| 156 | Togo | 4.0% |
| 157 | Republic of the Congo | 3.0% |
| 158 | Liberia | 3.0% |
| 159 | Niger | 3.0% |
| 160 | Yemen | 3.0% |
| 161 | Chad | 2.0% |
| 162 | Democratic Republic of the Congo | 2.0% |
| 163 | Somalia | 2.0% |
| 164 | South Sudan | 2.0% |
| 165 | Angola | 2.0% |
| 166 | Eritrea | 1.0% |
Showing 166 of 166 countries
Topics
Data Source
This data comes from World Bank (Global Findex Database 2021) (2021).
View Original Source