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Country opportunities:

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Global Payment Systems Survey:

In April 2007, the first Global Payment Systems Survey (GPSS) was launched among national central banks to collect information on the status of payment systems worldwide with a view to identify the main issues that should guide the agenda of authorities, multilaterals and market players. In keeping with the World Bank Group’s initiative to provide universal financial access by 2020, the 2015 GPSS survey includes a data module on transaction accounts and diversified access points as key drivers of financial access. This site uses data provided by national central banks and/or other publicly available sources (PDF).

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Electronic Payment Acceptance and Usage by Small Merchants:

In 2015, The World Bank Group and the World Economic Forum collaborated to undertake research to understand the digital payments gap globally, with a focus on B2B, P2B, and B2P transactions of micro, small and medium retailers. As part of that research, estimates for the size of the electronic vs. paper-based transactions in the B2B, P2B and B2P small retail segments were obtained in over 160 countries. The data below are the estimates from the quantitative part of the research. Paper-based transactions include cash and checks; and electronic transactions include electronic fund transfers, card payment transactions and mobile money. P2B payments include retail sales, B2P payments include salary payments, and B2B payments include immediate supplier payments.





Country opportunities are calculated by segmenting unbanked financially active adults who can be reached through specific interventions. Interventions cannot always be added up simply to create the country opportunity, as the three interventions may overlap. However, WBG analysis discounts these overlaps for the Total Opportunity for each country, thereby the Total Opportunity may be less than the summation of the 3 interventions alone. The World Bank Group’s projected reach is based on engagement activities linked to project targets, constraints of unbanked adults and attribution of financial inclusion strategies. Actual reported reach is used to update projections as that data become available. Please note that the opportunities are calculated with 2020 in mind as the end year, taking into account population growth based on UN predictions, and therefore may exceed the current number of unbanked. All indicators are calculated using raw data from the Global Findex database unless otherwise noted.